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ALTE LEIPZIGER comfort: the policy wording in full
Linie comfort der ALTE LEIPZIGER Privathaftpflicht (AL-PHV 2020): Tätigkeit als Tagesmutter, Tageseltern oder in Betreuungsgemeinschaften auch beruflich im Rahmen der vollen Versicherungssumme, mit Haftpflicht der Tageskinder und Personenschäden der Tageskinder untereinander.
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Everything about this policy
What the policy covers: 60 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ALTE LEIPZIGER comfort.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | as stated in the policy schedule | „Versicherungssumme für Personen-, Sach- und Vermögensschäden“ | II Deklaration, page 3 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Tätigkeit als Tagesmutter/-vater/ Betreuungsgemeinschaften o. Babysitter“ | II Deklaration, Sonstiges, page 4 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „aus der Tätigkeit als Tagesmutter, Tageseltern, Betreuungsgemeinschaften, Babysitter …“ | A 1-6.17.1 a, page 22 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Tätigkeit als Tagesmutter/-vater/ Betreuungsgemeinschaften o. Babysitter (entgeltlich …“ | II Deklaration, Sonstiges, page 4 |
| Paid (professional) childminding covered, not just favours | yes | „Versicherungsschutz besteht auch dann, wenn es sich dabei um eine beruf- liche …“ | A 1-6.17.1 b, page 22 |
| Publicly funded childminding (youth welfare office) expressly included | not addressed | ||
| Maximum number of day children cared for at the same time | not addressed | ||
| Care in the childminder's own home covered | yes | „im Rahmen des eigenen Haushalts oder des Haushaltes der zu betreu- enden Kinder, auch …“ | A 1-6.17.1 a, page 22 |
| Care in the parents' home covered | yes | „im Rahmen des eigenen Haushalts oder des Haushaltes der zu betreu- enden Kinder, auch …“ | A 1-6.17.1 a, page 22 |
| Care in rented premises outside the home covered | not addressed | ||
| Large day care or groups of several childminders covered | yes | „aus der Tätigkeit als Tagesmutter, Tageseltern, Betreuungsgemeinschaften“ | A 1-6.17.1 a, page 22 |
| Territorial scope (country, Europe, worldwide) for outings and trips with day children | yes | „Auslandsaufenthalt innerhalb Europas“ | II Deklaration, page 5 |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Substitute carer during illness or holiday covered | not addressed | ||
| Household members of the childminder covered when helping | not addressed | ||
| Employed assistants (mini job, intern) covered | not addressed | ||
| Day children themselves insured (damage they cause to third parties) | yes | „Versichert ist die gleichartige gesetzliche Haftpflicht der Tageskinder“ | A 1-6.17.1 c, page 22 |
| Occasional babysitting and au pair work covered | yes | „Tagesmutter, Tageseltern, Betreuungsgemeinschaften, Babysitter oder Au-pair“ | A 1-6.17.1 a, page 22 |
| Preparing and serving meals (food damage, intolerances) covered | not addressed | ||
| Giving medication as agreed with the parents covered | not addressed |
Damage to and by day children
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury to day children during care | yes, up to the sum insured | „insbesondere aus der übernommenen Beaufsichti- gung (Aufsichtspflicht) von zur …“ | A 1-6.17.1 a, page 22 |
| Breach of the duty of supervision expressly covered | yes | „insbesondere aus der übernommenen Beaufsichti- gung (Aufsichtspflicht) von zur …“ | A 1-6.17.1 a, page 22 |
| Damage day children cause to third parties (even without breach of supervision) | yes, up to the sum insured | „Versichert ist die gleichartige gesetzliche Haftpflicht der Tageskinder“ | A 1-6.17.1 c, page 22 |
| Damage by children below the age of liability settled without legal liability | not addressed | ||
| Damage by day children to the childminder's own property | not addressed | ||
| Claims between day children | yes, up to the sum insured | „der Tageskinder untereinander (sofern es sich nicht um Geschwis- ter handelt)“ | A 1-6.17.1 d, page 22 |
| Claims by day children against household members of the childminder | yes, up to the sum insured | „der Tageskinder gegenüber den Tageseltern und deren eigenen Kindern versichert“ | A 1-6.17.1 d, page 22 |
| Damage to belongings of day children and parents (clothes, glasses, pram) | not addressed | ||
| Damage in the parents' home when caring there (fixtures, furniture) | not addressed | ||
| Pure financial loss (e.g. parents' loss of earnings) | not addressed | ||
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „Persönlichkeits- und Namensrechtsverletzung“ | II Deklaration, page 5 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to the sum insured | „Verlust von fremden privaten Schlüsseln/Codekarten/Schlüssel-Chips“ | II Deklaration, page 5 |
| Loss of keys to rented premises or master key systems | not addressed | ||
| Loss of day children's items (glasses, hearing aid, toys) | no | „Vom Versicherungsschutz ausgeschlossen sind Ansprüche wegen Ab- handenkommen von Sachen …“ | A 1-6.17.1 e, page 22 |
| Borrowed, rented or entrusted items (child seat, pram) | yes, up to EUR 50,000, excess EUR 100 | „Schäden an fremden, gemieteten oder geliehenen Sachen“ | II Deklaration, page 5 |
| Deductible for loss of keys | not addressed |
Home, garden, outings
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Play equipment, trampoline, paddling pool in the childminder's garden | not addressed | ||
| Childminder's pets (dog, cat) around day children | not addressed | ||
| Outings, walks and playground visits | yes, up to the sum insured | „auch außerhalb der Wohnung, z. B. bei Spielen, Ausflügen usw.“ | A 1-6.17.1 a, page 22 |
| Transporting day children in the own car (boundary to motor liability) | not addressed | ||
| Cargo bike, pram and handcart on outings | not addressed | ||
| Swimming and bathing with day children | not addressed | ||
| Damage to rented care premises (fire, water) | yes, up to the sum insured | „Mietsachschäden“ | II Deklaration, page 5 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to EUR 5 million | „Umweltschadensversicherung (Ökoschutzversicherung)“ | II Deklaration, page 5 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „Nicht versichert ist jedoch die Ausübung dieser Tätig- keit in Betrieben und …“ | A 1-6.17.1 b, page 22 |
| No cover when the maximum number of day children is exceeded | not addressed | ||
| No cover without care permit or official authorisation | not addressed | ||
| Exclusion of damage from abuse and maltreatment | not addressed | ||
| Exclusion of transmission of diseases (infections) | not addressed | ||
| Benefit reduction for gross negligence | not addressed | ||
| Exclusion of claims by own children and relatives | not addressed | ||
| Exclusion of damage from use of motor vehicles | not addressed |
Deductible, duties, contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim in childminding | not addressed | ||
| Subsidiarity: other policies take precedence (parents' liability, municipal framework contract) | yes | „Erlangt das Tageskind Versicherungsschutz aus einem anderen fremden Haft …“ | A 1-6.17.1 c, page 22 |
| Defence against unjustified claims (passive legal protection) | yes | „die Abwehr unberechtigter Schadensersatzansprüche“ | A 1-4.1 b, page 13 |
| Bad debt cover for damage caused to the childminder by third parties | yes, up to the sum insured | „Forderungsausfalldeckung“ | II Deklaration, page 5 |
| Duty to notify changes in number of children or premises | not addressed | ||
| Safety requirements as a duty (stair gates, socket covers, first aid course) | not addressed | ||
| Better-terms guarantee against market model terms or previous policy | yes | „Leistungsgarantie gegenüber den Musterbedingungen des GDV“ | II Deklaration, page 5 |
| Update clause: future improvements apply automatically | yes | „Innovationsklausel/Künftige Leistungsverbesserungen“ | II Deklaration, page 5 |
| Minimum term and notice period | not addressed |
Evaluated by NAMMERT from published policy wordings.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Alte Leipziger Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Privathaftpflichtversicherung S H7.2 (AL-PHV 2020), Tagesmutter entgeltlich oder unentgeltlich Edition: S H7.2, AL-PHV 2020 Teil A Stand 12.2020 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for ALTE LEIPZIGER comfort and available as plain text.
Volltext ALTE LEIPZIGER comfort Tagesmutter-Haftpflicht · As text (Markdown) ALTE LEIPZIGER comfort Childminder liability