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Mannheimer LUMIT Energietechnik, für die Solarbranche: the policy wording in full
Montageversicherung LUMIT FLEX für Energietechnik der Solarbranche laut Produktinformationsblatt: Allgefahren während der Montage am Versicherungsort ohne Versicherungssumme, bemessen nach Nennleistung, Ersatz bis zum Zeitwert, Erprobung nur in der vereinbarten Dauer.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Mannheimer LUMIT Energietechnik,
für die Solarbranche.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured (erection value of the object including freight, erection and ancillary costs) | as stated in the policy schedule | „LUMIT FLEX verzichtet auf die Vereinbarung einer Versicherungssumme. Stattdessen wird …“ | Wie hoch ist die Versicherungssumme?, page 1 |
| All-risks cover (unforeseen material damage is insured unless excluded) | yes | „Versicherungsschutz für alle Lieferungen und Leistungen für die Montage der im …“ | Was ist versichert?, page 1 |
| Contract form: single project policy, annual policy for ongoing erections or module of a commercial or solar policy | not addressed | „für die Montage der im Versicherungsvertrag bezeichneten Energietechnik“ | Was ist versichert?, page 1 |
| Annual (turnover or blanket) policy for all erections of the business without individual declaration | not addressed | ||
| Maximum value per erection object under an annual policy | not addressed | ||
| Maximum duration per erection (erection period, extension, pre-storage), in months | not addressed | ||
| Insured interests: policyholder, principal, subcontractors and suppliers co-insured | not addressed | ||
| Territorial scope (erection site, domestic, Europe, erections abroad) | yes | „Die Versicherung gilt für die Montage der benannten Technik an dem im …“ | Wo bin ich versichert?, page 2 |
| Waiver of underinsurance | not addressed |
Insured property
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Erection object: machinery, mechanical and electrical equipment, steel structures, energy and building services installations | yes | „Diese schützt Sie vor den finanziellen Folgen von Sachschäden an Ihrer Energietechnik …“ | Um welche Versicherung handelt es sich?, page 1 |
| Erection equipment (scaffolding, tools, auxiliary machinery, site huts) | not addressed | ||
| Construction plant and lifting gear (cranes, aerial work platforms) on site | not addressed | ||
| Existing property of the principal (existing plant, buildings) on or in which erection takes place | not addressed | ||
| Parts and materials supplied by the principal or third parties | not addressed | ||
| Foundations and civil works belonging to the erection object | not addressed | ||
| Operating fluids, auxiliary materials, catalysts, first fillings | no | „Nicht versichert sind deshalb z.B. Schäden an folgenden Sachen: x Hilfs- und …“ | Was ist nicht versichert?, page 1 |
| Programs, data and control software of the erection object | not addressed |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Erection errors, clumsiness, negligence of fitters | yes | „menschliche Ursachen (Bedienungsfehler, Ungeschicklichkeit, Vorsatz Dritter)“ | Was ist versichert?, page 1 |
| Design, calculation, material and workmanship defects (consequential damage to other parts) | yes | „Produktfehler (Konstruktions-, Material- oder Ausführungsfehler)“ | Was ist versichert?, page 1 |
| Malicious acts of third parties, sabotage, vandalism | yes | „menschliche Ursachen (Bedienungsfehler, Ungeschicklichkeit, Vorsatz Dritter)“ | Was ist versichert?, page 1 |
| Short circuit, overvoltage, overcurrent, induction | yes | „technische Störungen (Kurzschluss, Überspannung, Versagen von Mess-, Regel- oder …“ | Was ist versichert?, page 1 |
| Fire, lightning, explosion | yes | „Brand, Blitzschlag, Explosion“ | Was ist versichert?, page 1 |
| Storm, hail, frost, flood and other natural hazards | yes, up to the sum insured | „Naturgewalten (Sturm, Frost, Eisgang, Überschwemmung, Erdbeben)“ | Was ist versichert?, page 1 |
| Theft of permanently installed parts | yes, up to the sum insured | „Diebstahl, Einbruchdiebstahl oder Raub.“ | Was ist versichert?, page 1 |
| Theft of parts and materials not yet installed on site | not addressed | ||
| Pre-storage before start of erection and interim storage | yes, up to the sum insured | „Sofern vereinbart sind während der Vorlagerung von versicherten Sachen diese gemäß …“ | Welche Verpflichtungen habe ich?, page 2 |
| Transport to the site and within the premises | not addressed |
Testing and maintenance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Testing and commissioning up to acceptance insured | yes | „die nach der vereinbarten maximalen Erprobungsdauer eintreten und mit einer Erprobung …“ | Gibt es Einschränkungen beim Versicherungsschutz?, page 1 |
| Maximum duration of testing, in weeks | yes | „die nach der vereinbarten maximalen Erprobungsdauer eintreten und mit einer Erprobung …“ | Gibt es Einschränkungen beim Versicherungsschutz?, page 1 |
| Hot testing (testing under load, with medium or fuel) | not addressed | ||
| Used plant and parts insured during testing | not addressed | ||
| Maintenance or warranty period after acceptance (damage during maintenance work or caused during erection) | not addressed | ||
| Cover for parts already accepted or in operation until completion of the whole erection | not addressed |
Costs and loss of income
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance, salvage and disposal costs | not addressed | ||
| Extra costs for overtime, Sunday, holiday and night work and express freight | not addressed | ||
| Air freight costs for spare parts | not addressed | ||
| Movement and protection costs (dismantling and re-erecting undamaged parts, scaffolding, covers) | not addressed | ||
| Fault-finding costs | not addressed | ||
| Earthwork, paving, masonry and chiselling work | not addressed | ||
| Costs of engineers, experts and recalculation after a loss | not addressed | ||
| Loss of profit or extra costs from delayed start-up (advance loss of profit) | not addressed |
Indemnity
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Partial loss: reinstatement costs (condition immediately before the loss) | yes | „Im Schadenfall ersetzt LUMIT FLEX die notwendigen Aufwendungen für die …“ | Wie hoch ist die Versicherungssumme?, page 1 |
| Total loss: erection value or actual value immediately before the loss | yes | „maximal bis zu ihrem Zeitwert unmittelbar vor Eintritt des Versicherungsfalls.“ | Wie hoch ist die Versicherungssumme?, page 1 |
| New-for-old deduction for used parts | not addressed | ||
| Indemnity also for the defective part itself (not only consequential damage) | not addressed | ||
| Costs of provisional repairs | not addressed |
Exclusions and reductions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of wear and tear, corrosion and gradual deterioration | yes | „durch betriebsbedingte normale oder betriebsbedingte vorzeitige Abnutzung verursacht …“ | Gibt es Einschränkungen beim Versicherungsschutz?, page 1 |
| Exclusion of damage for which a supplier or manufacturer is contractually liable | not addressed | ||
| Exclusion of defects known at inception or start of erection | not addressed | ||
| Exclusion of contractual penalties, warranty and delay claims | not addressed | ||
| Exclusion for continued operation after a loss before final repair | not addressed | ||
| Gross negligence covered (no reduction) | not addressed | ||
| Exclusion of damage from cyber events and malware | not addressed | ||
| Terrorism covered | not addressed | ||
| Extraordinary risks: reference to the Consorcio de Compensación de Seguros and own cover beyond it (Spain only) | not addressed |
Deductible, obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | not addressed | ||
| Higher or percentage deductible (testing, natural hazards, theft, design defects) | not addressed | ||
| Obligation to declare each erection or report turnover | not addressed | ||
| Security and guarding requirements on site (locking, fencing, guarding) | yes | „Bitte beachten Sie die Umsetzung, Einhaltung und Aufrechterhaltung des mit dem …“ | Welche Verpflichtungen habe ich?, page 2 |
| Technical requirements (manufacturer instructions, inspections, weather protection, flood precautions) | yes | „diese gemäß ihrer Beschaffenheit sowie örtlichen und klimatischen Verhältnissen …“ | Welche Verpflichtungen habe ich?, page 2 |
| Obligations after a loss (notice period, inspection before repair, police report for theft) | yes | „Zeigen Sie uns jeden Schadenfall unverzüglich an.“ | Welche Verpflichtungen habe ich?, page 2 |
| Premium basis (erection value, annual turnover, single premium) and adjustment | not addressed | „Stattdessen wird die Nennleistung der Energietechnik genutzt.“ | Wie hoch ist die Versicherungssumme?, page 1 |
| Term and termination (end at acceptance, extension, annual contract) | not addressed | „Der Versicherungsschutz endet, wenn das Montageobjekt schriftlich abgenommen oder in …“ | Wann beginnt und wann endet die Deckung?, page 2 |
| Insurer right to cancel after a claim | yes | „Daneben können Sie oder wir den Vertrag vorzeitig kündigen. Das ist z.B. nach einem …“ | Wie kann ich den Vertrag kündigen?, page 2 |
| Expert appraisal procedure in disputes on the amount of loss | 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
- Mannheimer Versicherung Aktiengesellschaft
- Distribution
- not known
- LUMIT Bedingungen Solarbranche (LU 104, 02/2018) Edition: IPID Stand 23.02.2018 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 Mannheimer LUMIT Energietechnik,
für die Solarbranche and available as plain text.
Volltext Mannheimer LUMIT Energietechnik, für die Solarbranche Montageversicherung · As text (Markdown) Mannheimer LUMIT Energietechnik, für die Solarbranche Erection all risks