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Interlloyd PrivatVorsorge Classic: the policy wording in full
Interlloyd Privathaftpflicht Classic (Stand 07.2025): berufliche Tageseltern für bis zu 6 Kinder im eigenen Haushalt und bei den Eltern, ohne Haftpflicht der Tageskinder und ohne Abhandenkommen ihrer Sachen, ohne Kitas.
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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 Interlloyd PrivatVorsorge Classic.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss from childminding | yes, up to EUR 20 million | „Personen, Sach- und Vermögensschäden pauschal 20 Mio. € 40 Mio. € 50 Mio. €“ | Leistungsübersicht, Versicherungssummen, page 14 |
| Separate, lower limit for childminding (sublimit below the personal liability sum) | none | „Ansprüche aus der Tätigkeit als berufliche Tageseltern“ | B1-6.2.4, page 91 |
| Contract form: add-on to personal liability, standalone childminder liability or professional/business liability | yes | „Ansprüche aus der Tätigkeit als berufliche Tageseltern“ | B1-6.2.4, page 91 |
| Childminding included in the basic personal liability tariff without surcharge | yes | „Ansprüche aus der Tätigkeit als berufliche Tageseltern“ | B1-6.2.4, page 91 |
| Paid (professional) childminding covered, not just favours | yes | „Versicherungsschutz besteht auch dann, wenn es sich bei dieser Tätigkeit um eine …“ | B1-6.2.4, page 91 |
| Publicly funded childminding (youth welfare office) expressly included | not addressed | ||
| Maximum number of day children cared for at the same time | yes | „Versichert ist die gesetzliche Haftpflicht aus der Tätigkeit als Tagesmutter/-vater für …“ | B1-6.2.4, page 91 |
| Care in the childminder's own home covered | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen minderjährigen Kindern im …“ | B1-6.2.4, page 91 |
| Care in the parents' home covered | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen minderjährigen Kindern im …“ | B1-6.2.4, page 91 |
| 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 vorübergehenden Aufenthalt in Europa, ohne zeitliche Begrenzung und in allen …“ | B1-6.14.1, page 95 |
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) | no | „Nicht versichert ist die persönliche gesetzliche Haftpflicht der Kinder“ | B1-6.2.4, page 91 |
| 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 | „Mitversichert sind gesetzliche Haftpflichtansprüche der Kinder bzw. ihrer …“ | B1-6.2.4, page 91 |
| Breach of the duty of supervision expressly covered | yes | „Beaufsichtigung von tagsüber zur Betreuung übernommenen minderjährigen Kindern im …“ | B1-6.2.4, page 91 |
| 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 | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers wegen …“ | B1-6.15.1, page 93 |
| Infringement of personality rights (photos, data of day children) | no | „Ausgeschlossen sind Ansprüche wegen Schäden aus Persönlichkeits- oder …“ | B1-7.9, page 99 |
Keys and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of parents' keys (cost of changing locks) | not addressed | ||
| Loss of keys to rented premises or master key systems | not addressed | ||
| Loss of day children's items (glasses, hearing aid, toys) | no | „sowie die Haftpflicht wegen Abhandenkommens von Sachen und der Verlust von Geld der zu …“ | B1-6.2.4, page 91 |
| 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 | yes, up to the sum insured | „auch außerhalb der Wohnung, zum Beispiel bei Spielen, Ausflügen.“ | B1-6.2.4, page 91 |
| 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 | „wegen Mietsachschäden ausschließlich an Wohnräumen und sonstigen zu privaten Zwecken …“ | B1-6.6.1, page 93 |
| Environmental and water pollution damage from the household (heating oil) | yes, up to the sum insured | „Versichert ist die gesetzliche Haftpflicht privatrechtlichen Inhalts des …“ | B1-6.4, page 93 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of care in institutions (nursery, kindergarten) | yes | „Kein Versicherungsschutz besteht jedoch für die Ausübung dieser Tätigkeit in Betrieben …“ | B1-6.2.4, page 91 |
| 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 durch Sie resultieren“ | B1-7.11, page 99 |
| Benefit reduction for gross negligence | not addressed | ||
| Exclusion of claims by own children and relatives | yes | „aus Schadenfällen seiner Angehörigen, die mit ihm in häuslicher Gemeinschaft leben“ | B1-7.4 (1), page 98 |
| Exclusion of damage from use of motor vehicles | yes | „Ausgeschlossen sind Ansprüche gegen den Eigentümer, Besitzer, Halter oder Führer eines …“ | B1-7.14, page 99 |
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) | not addressed | ||
| Defence against unjustified claims (passive legal protection) | yes | „die Abwehr unberechtigter Schadenersatzansprüche und“ | B1-4.1, page 89 |
| Bad debt cover for damage caused to the childminder by third parties | yes, up to the sum insured | „Versicherungsschutz besteht für den Fall, dass der Versicherungsnehmer oder eine …“ | B3-1.1, page 89 |
| 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 diesem Vertrag zugrundeliegenden Allgemeinen …“ | Leistungsgarantie gegenüber den GDV-Musterbedingungen, page 100 |
| Update clause: future improvements apply automatically | yes | „so gelten die neuen Bedingungen mit sofortiger Wirkung auch für diesen Vertrag.“ | Leistungsupdate-Garantie, page 101 |
| Minimum term and notice period | none | „Die Versicherung gilt für den zunächst vereinbarten Zeitraum. Sie verlängert sich …“ | Verbraucherinformation, page 5 |
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
- Interlloyd Versicherungs-Aktiengesellschaft
- Distribution
- available through brokers
- Haftpflicht-Versicherungsbedingungen (Teil A, Teil B Infinitus, Eurosecure Plus, Classic) Edition: AVB PHV Infinitus, Eurosecure Plus und Classic, Stand 07.2025 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 Interlloyd PrivatVorsorge Classic and available as plain text.
Volltext Interlloyd PrivatVorsorge Classic Tagesmutter-Haftpflicht · As text (Markdown) Interlloyd PrivatVorsorge Classic Childminder liability