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HanseMerkur Privathaftpflicht (Tchibo-Kooperation): the policy wording in full
Leistungsübersicht der HanseMerkur Haftpflicht Exklusiv (Tchibo): Tagesmutter, Tagesvater und Babysitter auch gewerblich mit bis zu 8 Kindern im eigenen Haushalt und außerhalb versichert, ohne eigenes Sublimit.
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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 HanseMerkur Privathaftpflicht
(Tchibo-Kooperation).
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | yes, up to EUR 30 million | „Wahlweise 30 Mio.* und 50 Mio.* EUR pauschal für Personen-, Sach- und Vermögensschäden“ | Leistungsübersicht, Deckungssummen, page 2 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder im eigenen …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder im eigenen …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder im eigenen …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| Paid (professional) childminding covered, not just favours | yes | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder im eigenen …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| Publicly funded childminding (youth welfare office) expressly included | not addressed | ||
| Maximum number of day children cared for at the same time | yes | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder im eigenen …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| Care in the childminder's own home covered | yes | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder im eigenen …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| Care in the parents' home covered | yes | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder, auch …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| Care in rented premises outside the home covered | yes | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder, auch …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| Large day care or groups of several childminders covered | not addressed | ||
| Territorial scope (country, Europe, worldwide) for outings and trips with day children | yes | „Auslandsschäden - innerhalb Europas Unbegrenzt - weltweit 5 Jahre“ | Leistungsübersicht, Auslandsschäden, 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) | not addressed | ||
| Occasional babysitting and au pair work covered | yes | „Tagesmutter / -vater / -eltern, Babysitter (auch gewerblich) bis 8 Kinder im eigenen …“ | Leistungsübersicht, Betreuung anderer Personen, page 3 |
| 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 | not addressed | ||
| Breach of the duty of supervision expressly covered | not addressed | ||
| 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 | not addressed | ||
| Claims by day children against household members of the childminder | not addressed | ||
| 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 bis zur Deckungssumme“ | Leistungsübersicht, Deckungssummen, page 6 |
| Infringement of personality rights (photos, data of day children) | yes, up to the sum insured | „Verletzung aus Persönlichkeits- und Namensrecht etc.) bis“ | Leistungsübersicht, Sonstiges, page 7 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | yes, up to EUR 100,000 | „Schlüsselverlust fremder privater Schlüssel, Funkschlüssel, Transponder und Codekarten“ | Leistungsübersicht, Schlüsselverlust, page 3 |
| Loss of keys to rented premises or master key systems | yes, up to EUR 50,000 | „Schlüsselverlust beruflicher Schlüssel, Funkschlüssel, Transponder und Codekarten“ | Leistungsübersicht, Schlüsselverlust, page 3 |
| Loss of day children's items (glasses, hearing aid, toys) | not addressed | ||
| Borrowed, rented or entrusted items (child seat, pram) | yes, up to EUR 15,000, excess EUR 100 | „Beschädigung, Vernichtung, Verlust und Abhandenkommen (Verlieren oder Wegnahme durch …“ | Leistungsübersicht, Gemietete oder geliehene Sachen, page 5 |
| Deductible for loss of keys | none | „Selbstbehalt: 10 %, mind. 100 EUR, max. 500 EUR, nur für Möbel-, Tresor- und Kfz-Schlüssel“ | Leistungsübersicht, Schlüsselverlust, page 3 |
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 EUR 3 million | „Mietsachschäden an Gebäuden, Räumen, Grundstücken bis“ | Leistungsübersicht, Mietsachschäden, page 5 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to EUR 3 million | „Gewässerschaden-Haftpflicht für Heizöltanks mit DS von 3 Mio. EUR pauschal“ | Leistungsübersicht, Umwelt, page 6 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | not addressed | ||
| 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 | none | „Generelle Selbstbeteiligung (SB) Ohne SB, mit 150 EUR SB“ | Leistungsübersicht, Tarifvarianten, page 2 |
| Subsidiarity: other policies take precedence (parents' liability, municipal framework contract) | not addressed | ||
| Defence against unjustified claims (passive legal protection) | not addressed | ||
| Bad debt cover for damage caused to the childminder by third parties | yes, up to the sum insured | „Forderungsausfalldeckung inkl. Tiere und Tierhüter / Halter bis zur Höhe der …“ | Leistungsübersicht, Forderungsausfall, page 3 |
| 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“ | Leistungsübersicht, Garantien, page 7 |
| Update clause: future improvements apply automatically | yes | „Update-Garantie / Innovationsgarantie / Bedingungsverbesserung für die Zukunft“ | Leistungsübersicht, Garantien, page 7 |
| Minimum term and notice period | not addressed |
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.
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Policy wordings and provider
- Legal entity
- HanseMerkur Allgemeine Versicherung AG, HanseMerkur Reiseversicherung AG
- Distribution
- brokers and direct
- HanseMerkur Haftpflicht, Bedingungen und Leistungsübersicht (Tagesmutter bis 8 Kinder im eigenen Haushalt) Edition: Leistungsübersicht Haftpflicht Exklusiv, TCH 022 07.20 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for HanseMerkur Privathaftpflicht (Tchibo-Kooperation) and
available as plain text.
Volltext HanseMerkur Privathaftpflicht (Tchibo-Kooperation) Tagesmutter-Haftpflicht · As text (Markdown) HanseMerkur Privathaftpflicht (Tchibo-Kooperation) Childminder liability