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GEV Protect+ Premium: the policy wording in full
Privathaftpflicht GEV Protect+ Premium (AVB PHV 2025): Tagesmutter auch beruflich mit Haftpflicht der Tageskinder, Personenschäden der Tageskinder untereinander und gegenüber eigenen Kindern, ohne Kitas, mit Best-Leistungs-Garantie.
German market: tariffs for people living in Germany.
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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 GEV Protect+ Premium.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | as stated in the policy schedule | „Die Entschädigungsleistung des Versicherers ist bei jedem Versicherungsfall auf die …“ | A1-5.1, page 5 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „aus der Tätigkeit als Tagesmutter (Tageseltern), aus der Beaufsichtigung von zur …“ | A1-6.2.1.2, page 5 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „aus der Tätigkeit als Tagesmutter (Tageseltern), aus der Beaufsichtigung von zur …“ | A1-6.2.1.2, page 5 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „aus der Tätigkeit als Tagesmutter (Tageseltern), aus der Beaufsichtigung von zur …“ | A1-6.2.1.2, page 5 |
| Paid (professional) childminding covered, not just favours | yes | „Versicherungsschutz besteht auch dann, wenn es sich dabei um eine berufliche Tätigkeit …“ | A1-6.2.1.2, page 5 |
| 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 | not addressed | ||
| Care in the parents' home covered | not addressed | ||
| Care in rented premises outside the home covered | not addressed | ||
| Large day care or groups of several childminders covered | not addressed | ||
| Territorial scope (country, Europe, worldwide) for outings and trips with day children | yes | „bei einem unbegrenzten Auslandsaufenthalt innerhalb Europas (einschließlich den …“ | A1-6.14.1, page 9 |
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 | „Mitversichert ist die gleichartige gesetzliche Haftpflicht der Tageskinder während der …“ | A1-6.2.1.2, page 5 |
| Occasional babysitting and au pair work covered | not addressed | ||
| 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 | „sowie der Tageskinder gegenüber den Tageseltern und deren eigenen Kindern wegen …“ | A1-6.2.1.2, page 6 |
| Breach of the duty of supervision expressly covered | yes | „aus der Tätigkeit als Tagesmutter (Tageseltern), aus der Beaufsichtigung von zur …“ | A1-6.2.1.2, page 5 |
| Damage day children cause to third parties (even without breach of supervision) | not addressed | ||
| 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 Geschwister handelt)“ | A1-6.2.1.2, page 5 |
| Claims by day children against household members of the childminder | yes, up to the sum insured | „sowie der Tageskinder gegenüber den Tageseltern und deren eigenen Kindern wegen …“ | A1-6.2.1.2, page 6 |
| 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) | yes, up to the sum insured | „Vermögensschäden“ | A1-6.15, page 4 |
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „Persönlichkeits- und Namensrechtsverletzungen (ohne Urheberrechtsverletzungen)“ | A1-6.19, page 12 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to the sum insured | „fremden, privaten Türschlüsseln, z. B. bei Verlust des Schlüssels einer gemieteten …“ | A1-6.20.1, page 12 |
| Loss of keys to rented premises or master key systems | yes, up to the sum insured | „Türschlüsseln sowie Schlüsseln für Dienst-Kraftfahrzeuge, die dem Versicherungsnehmer …“ | A1-6.20.1, page 12 |
| Loss of day children's items (glasses, hearing aid, toys) | not addressed | ||
| Borrowed, rented or entrusted items (child seat, pram) | not addressed | ||
| 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 | not addressed | ||
| 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 | „an Wohnräumen und sonstigen zu privaten Zwecken gemieteten und gepachteten Räumen in …“ | A1-6.6.1, page 8 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to the sum insured | „Allgemeines Umweltrisiko“ | A1-6.4, page 7 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „Nicht versichert ist jedoch die Ausübung dieser Tätigkeit in Betrieben und …“ | A1-6.2.1.2, page 5 |
| 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) | yes | „Personenschäden, die aus der Übertragung einer Krankheit des Versicherungsnehmers …“ | A1-7.10, page 17 |
| Benefit reduction for gross negligence | not addressed | ||
| Exclusion of claims by own children and relatives | yes | „Eingeschlossen sind in teilweiser Abänderung von A1-7.3 und A1-7.4 auch …“ | A1-6.2.1.2, page 6 |
| Exclusion of damage from use of motor vehicles | yes | „Ausgeschlossen sind Ansprüche gegen den Eigentümer, Besitzer, Halter oder Führer eines …“ | A1-7.13, page 17 |
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 | „Tageskind Versicherungsschutz aus einem anderen fremden …“ | A1-6.2.1.2, page 6 |
| Defence against unjustified claims (passive legal protection) | yes | „die Abwehr unberechtigter Schadensersatzansprüche“ | A1-4, page 4 |
| Bad debt cover for damage caused to the childminder by third parties | yes, up to the sum insured | „Gegenstand der Forderungsausfalldeckung“ | A3-1, page 8 |
| 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 | „Der Versicherer garantiert, dass die dieser Privathaftpflichtversicherung zugrunde …“ | A1-6.23.1, page 14 |
| Update clause: future improvements apply automatically | yes | „so gelten die neuen Bedingungen mit sofortiger Wirkung auch für diesen Vertrag.“ | A1-6.23.3, page 14 |
| Minimum term and notice period | none | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | B2-1.2, page 23 |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- GRUNDEIGENTÜMER-VERSICHERUNG Versicherungsverein auf Gegenseitigkeit, Covomo / Hiscox / Grundeigentümer-Konzepte
- Distribution
- brokers and direct
- AVB PHV 2025 Protect Premium Edition: AVB PHV 2025 Premium (Protect+ Premium) 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 GEV Protect+ Premium and available as plain text.
Volltext GEV Protect+ Premium Tagesmutter-Haftpflicht · As text (Markdown) GEV Protect+ Premium Childminder liability