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Allianz Museums- und: the policy wording in full
Allgefahrendeckung für die im Versicherungsschein bezeichneten Sachen von Museen und Ausstellungen in benannten Gebäuden zum Neuwert, laut Informationsblatt mit umfangreichen Kostenpositionen.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Allianz Museums- und.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured per exhibition or annual aggregate | as stated in the policy schedule | „Der Versicherungsschutz ist ausreichend, wenn die ermittelte Versicherungssumme dem …“ | Versicherungssumme und -wert, page 1 |
| All-risks cover (everything not expressly excluded is insured) | yes | „Wir leisten Entschädigung, wenn versicherte Sachen unvorhergesehen zerstört oder …“ | Versicherte Schäden, page 1 |
| Contract form: single-event policy or annual policy for several fairs | yes | „Der Vertrag wird für die Dauer abgeschlossen, die Sie mit uns vereinbaren.“ | Wann beginnt und wann endet mein Versicherungsschutz?, page 2 |
| Basis of insured value (market value, replacement value, new value or production cost) | yes | „Versicherungswert ist der Neuwert.“ | Versicherungssumme und -wert, page 1 |
| Agreed value for artworks and loans, no proof of value after a loss | not addressed | ||
| Waiver of underinsurance (average) clause | not addressed | ||
| Territorial scope (home country, Europe, worldwide) | yes | „Die versicherten Gegenstände sind in den im Versicherungsschein bezeichneten Gebäuden …“ | Wo bin ich versichert?, page 1 |
| First-loss cover for stand equipment or small items | not addressed |
Insured property
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Own exhibits (goods, machines, items of the exhibitor) | yes, up to the sum insured | „Versichert sind die im Versicherungsschein bezeichneten Sachen.“ | Versicherte Sachen, page 1 |
| Third-party property and loans (borrowed exhibits, consignment goods) | not addressed | ||
| Artworks and cultural objects (museum, gallery and collector exhibitions) | yes, up to the sum insured | „Museen- und Ausstellungsversicherung“ | Kopf, page 1 |
| Stand equipment and furnishing (furniture, showcases, decoration) | not addressed | ||
| The stand itself (construction, walls, flooring, lighting) | not addressed | ||
| Presentation and media equipment (screens, computers, sound and lighting) | not addressed | ||
| Sample collections and demonstration units | not addressed | ||
| Promotional material, brochures, consumables and catering stock | no | „Allgemein zugängliche zum Verkauf vorgesehene Bücher, Kataloge, Zeitschriften, sowie …“ | Was ist nicht versichert?, page 1 |
| Jewellery, precious metals, watches and other valuables as exhibits | not addressed | ||
| Personal belongings of stand staff | not addressed |
Duration and transit
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Nail to nail or house to house (cover from leaving the origin until return) | not addressed | ||
| Outward transit to the venue | not addressed | ||
| Return transit and waiting time between dismantling and return | not addressed | ||
| Installation and dismantling at the venue | not addressed | ||
| Interim storage before, during and after the exhibition | not addressed | ||
| Transit in the exhibitor's own vehicles | not addressed | ||
| Transit by forwarder, courier, post or air freight | not addressed | ||
| Sea transit included | not addressed | ||
| Travelling exhibition with several venues | not addressed | ||
| Permanent or static exhibition (museum, gallery, showroom) | yes, up to the sum insured | „Die versicherten Gegenstände sind in den im Versicherungsschein bezeichneten Gebäuden …“ | Wo bin ich versichert?, page 1 |
Perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion | yes, up to the sum insured | „Wir leisten Entschädigung, wenn versicherte Sachen unvorhergesehen zerstört oder …“ | Versicherte Schäden, page 1 |
| Escape of water and sprinkler leakage | yes, up to the sum insured | „Wir leisten Entschädigung, wenn versicherte Sachen unvorhergesehen zerstört oder …“ | Versicherte Schäden, page 1 |
| Storm, hail, flood and other natural hazards | yes, up to the sum insured | „Sturmflut“ | Gibt es Einschränkungen beim Versicherungsschutz?, page 1 |
| Burglary outside opening hours | yes, up to the sum insured | „Wir leisten Entschädigung, wenn versicherte Sachen unvorhergesehen zerstört oder …“ | Versicherte Schäden, page 1 |
| Simple theft during opening hours and disappearance | yes, up to the sum insured | „Wir leisten Entschädigung, wenn versicherte Sachen unvorhergesehen zerstört oder …“ | Versicherte Schäden, page 1 |
| Theft of small, easily removable items not locked away | not addressed | ||
| Robbery | not addressed | ||
| Vandalism and malicious damage by visitors or others | yes, up to the sum insured | „Wir leisten Entschädigung, wenn versicherte Sachen unvorhergesehen zerstört oder …“ | Versicherte Schäden, page 1 |
| Breakage of fragile items (glass, porcelain, ceramics, sculpture) | yes, up to the sum insured | „Wir leisten Entschädigung, wenn versicherte Sachen unvorhergesehen zerstört oder …“ | Versicherte Schäden, page 1 |
| Damage while packing, unpacking, hanging and moving | not addressed | ||
| Strikes, riots, civil commotion | no | „Streik, Aussperrung, Arbeitsunruhen“ | Gibt es Einschränkungen beim Versicherungsschutz?, page 1 |
| Terrorism | no | „Terrorakte“ | Gibt es Einschränkungen beim Versicherungsschutz?, page 1 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of wear and tear and gradual deterioration | yes | „Abnutzung, Verschleiß oder Verderb der versicherten Sache“ | Was ist nicht versichert?, page 1 |
| Exclusion of inherent vice and the nature of the goods | yes | „Die natürliche oder mangelhafte Beschaffenheit der versicherten Sache“ | Was ist nicht versichert?, page 1 |
| Exclusion for insufficient packing | not addressed | ||
| Exclusion of light, temperature and humidity damage | yes | „Frost, Hitze, Temperaturschwankungen“ | Gibt es Einschränkungen beim Versicherungsschutz?, page 1 |
| Exclusion of damage from restoration, cleaning or processing | yes | „Die Bearbeitung, Reinigung, Reparatur oder Restaurierung versicherter Objekte“ | Was ist nicht versichert?, page 1 |
| Exclusion of operational, electrical and mechanical breakdown of equipment | not addressed | ||
| Exclusion of consequential loss (delay, loss of market, cancelled fair) | not addressed | ||
| Exclusion of confiscation and customs measures | yes | „Beschlagnahme, Entziehung, gerichtliche Verfügungen oder sonstige hoheitliche Eingriffe“ | Gibt es Einschränkungen beim Versicherungsschutz?, page 1 |
| Exclusion of theft from an unattended stand | not addressed |
Indemnity and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Compensation for depreciation after repair or restoration | not addressed | ||
| Repair or restoration costs | not addressed | ||
| Pair and set clause (loss of value of the remaining part of a set) | not addressed | ||
| Buy-back right for recovered items | not addressed | ||
| Loss prevention and mitigation costs | yes, up to the sum insured | „Schadenabwendungs- und Schadenminderungskosten“ | Versicherte Kosten, page 1 |
| Surveyor and loss assessment costs | not addressed | ||
| Extra costs for replacement transport or reloading | yes, up to the sum insured | „Transport- und Lagerkosten“ | Versicherte Kosten, page 1 |
| Rental of replacement stand or equipment during the fair | not addressed | ||
| Debris removal and disposal costs | yes, up to the sum insured | „Aufräumungs- und Entsorgungskosten“ | Versicherte Kosten, page 1 |
Obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per loss | not addressed | ||
| Higher or percentage deductible for theft or breakage | not addressed | ||
| Duty to guard the stand outside opening hours | not addressed | ||
| Duty to lock valuables and small items in showcases or containers overnight | not addressed | ||
| Duty to provide an inventory and condition report before the start | not addressed | ||
| Duty to use professional packing or a fine art shipper | not addressed | ||
| No reduction for gross negligence | not addressed | ||
| Waiver of recourse against lender, borrower, organiser or carrier | not addressed | ||
| Deadline for loss notice and police report | none | „Sie müssen uns jeden Versicherungsfall unverzüglich anzeigen“ | Welche Pflichten habe ich?, page 1 |
| Contract term and cancellation | yes | „Bei einer Vertragsdauer von mindestens einem Jahr, verlängert sich Ihr Vertrag …“ | Wann beginnt und wann endet mein Versicherungsschutz?, page 2 |
| Insurer's right to cancel after a loss | 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
- Allianz Versicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Informationsblatt zu Versicherungsprodukten Museums- und Ausstellungsversicherung (IPID 0109) Edition: IPID-0109Z0 (00) 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 Allianz Museums- und and available as plain text.
Volltext Allianz Museums- und Ausstellungsversicherung · As text (Markdown) Allianz Museums- und Exhibition cover