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die Bayerische Agrar Fair Play Plus: the policy wording in full
Gebäude- und Inhaltsversicherung landwirtschaftlicher Betriebe in der Linie AGRAR Fair Play Plus gegen Feuer, Leitungswasser, Sturm und Hagel, mit Verzicht auf Kürzung bei grober Fahrlässigkeit bis 100.000 Euro; Elementargefahren und Ertragsausfall nur sofern vereinbart.
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Everything about this policy
What the policy covers: 64 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for die Bayerische Agrar Fair Play
Plus.
Basics and insured farm
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: bundled policy with selectable modules (liability, buildings, contents, loss of income) or separate contracts | yes | „Versicherung landwirtschaftlicher Betriebe, Wirtschaftsgebäude und deren Inhalt und …“ | page 1 |
| Insured types of farming (arable, grassland, livestock, special crops, viticulture, forestry as a sideline) | not addressed | ||
| Sideline businesses and activities included (contract work, machinery ring, winter service, municipal work), turnover or share limit | not addressed | ||
| Direct marketing, farm shop, market stall and processing of own produce included | not addressed | ||
| Farm holidays, letting of rooms and holiday flats, farm café (limit on beds or seats) | not addressed | ||
| Farm energy production included (photovoltaics, biogas, wood chips, grid feed-in) | not addressed | ||
| Personal liability of the farmer, the family and retired former owners included | not addressed | ||
| Automatic cover for new risks and expansion (leased land, new buildings, new branches) until the next declaration | not addressed |
Farm liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury, property damage and financial loss | not addressed | ||
| Keeper's liability for livestock including escaped grazing animals and unwanted mating | not addressed | ||
| Riding horses, livery horses and draught animals included (number of animals, shared riding, carriage rides) | not addressed | ||
| Product liability for farm produce, extended to mixing, processing and removal and refitting costs | not addressed | ||
| Environmental liability for farm installations (slurry, manure, silage, heating oil and diesel tanks, pesticide store) | not addressed | ||
| Environmental damage cover (public law remediation duty, own soil and waters) | not addressed | ||
| Drift and spraying damage to neighbouring land from pesticides and fertilisers | not addressed | ||
| Tractors, self-propelled machines, trailers and forklifts not subject to registration (speed limit) | not addressed | ||
| Contract work for third parties and damage to third-party property being worked on | not addressed | ||
| Damage to rented, leased or borrowed property (buildings, land, machines) | not addressed | ||
| Claims by family members working on the farm, temporary staff and harvest workers, claims between insured persons | not addressed | ||
| Exclusion of damage caused by genetically modified organisms | not addressed |
Buildings
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured perils for buildings (fire, lightning, explosion, escape of water, storm, hail) | yes | „Brand, Blitzschlag, Explosion, Anprall oder Absturz eines Luftfahrzeuges, seiner bis VS …“ | Gebäudeversicherung, Versicherte Gefahren, page 1 |
| Further natural hazards (flood, heavy rain, backflow, landslide, earthquake, avalanche) | yes, up to the sum insured | „Schäden durch Überschwemmung, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, sofern …“ | weiterer Schutz, page 3 |
| Weight of snow and roof avalanches on stables, barns and sheds | yes, up to the sum insured | „Schäden durch Überschwemmung, Rückstau, Erdbeben, Erdsenkung, Erdrutsch, sofern …“ | weiterer Schutz, page 3 |
| Replacement value for farm buildings, actual value rule for old or poorly maintained buildings | not addressed | ||
| Rebuilding: time limit, rebuilding elsewhere or in a different design, indemnity without rebuilding | not addressed | ||
| Waiver of underinsurance or flat sum model (sum derived from area, livestock or building volume) | yes | „Summenausgleich“ | weiterer Schutz, page 2 |
| Clearing, demolition and disposal costs including asbestos and contaminated soil | yes, up to the sum insured | „Aufräumungs- und Abbruchkosten bis VS bis VS“ | Versicherte Kosten, page 2 |
| Extra costs due to official requirements (animal welfare, emissions, building law) and price increases | yes, up to the sum insured | „Mehrkosten durch behördliche Wiederherstellungsbeschränkungen bis VS bis VS“ | Versicherte Kosten, page 2 |
| Surge, short circuit and scorching damage to electrical installations (milking, ventilation, feeding) | yes, up to the sum insured | „Überspannungs-, Überstrom- und Kurzschlussschäden durch Blitz bis VS bis VS“ | Feuer, page 1 |
| Photovoltaic and solar thermal systems on roofs included in buildings cover | not addressed | ||
| Farmhouse and house of the retired former owners insurable in the same policy | yes | „Versicherung landwirtschaftlicher Betriebe, Wirtschaftsgebäude und deren Inhalt und …“ | page 1 |
Contents, stock and animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured contents: dead stock (machines, implements, equipment) and livestock in one sum or separately | yes | „bewegliche Sachen im Eigentum des VN, vom VN sicherungshalber übereignete, unter …“ | Inhaltsversicherung, Versicherte Sachen, page 1 |
| Animals insured against fire, lightning, electrocution and storm, also on pasture | yes, up to the sum insured | „durch Stromschlag getötete Tiere bis VS bis VS“ | Feuer, page 1 |
| Suffocation and heat death of animals after failure of ventilation or climate control | not addressed | ||
| Harvested produce and stock (hay, straw, grain, feed, fertiliser), also in clamps, bunker silos and outdoors | yes, up to EUR 25,000 | „Heu- und Strohlagerungen im Freien, in Feldscheunen, Schobern und sonstigen bis 15.000 …“ | Versicherte Sachen, page 1 |
| Spontaneous combustion of hay and produce, fermentation damage | yes, up to the sum insured | „Fermentation von Ernteerzeugnissen bis VS bis VS“ | Feuer, page 1 |
| Machines and implements at replacement value, age limit or depreciation scale | yes | „Goldene Regel für selbstfahrende Arbeitsmaschinen: trotz Zeitwertvorbehalt 60.000 € …“ | Versicherte Kosten, page 2 |
| Cover away from the farmstead: contents, animals and stock on fields, pastures, third-party land and in transit | not addressed | ||
| Burglary, robbery and vandalism, simple theft of grazing animals, machines and guidance systems | yes, up to EUR 5,000 | „durch Diebstahl von Weidetieren bis 3.000 € bis 5.000 €“ | innerhalb aller Gefahren versicherte Schäden, page 2 |
| Spoilage of milk and chilled goods after failure of cooling or power supply | not addressed | ||
| Third-party property in custody (boarding animals, borrowed and hired machines, goods stored for others) | yes, up to EUR 10,000 | „fremde bewegliche Sachen (subsidiär) bis 5.000 € bis 10.000 €“ | Versicherte Sachen, page 1 |
| Household contents of the farming family included or available as a module | not addressed | ||
| Glass breakage (building glazing, greenhouse, milking parlour glazing, photovoltaic modules) | not addressed |
Business interruption and extra costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business interruption after an insured property loss (loss of income, continuing costs) | yes | „Ertragsausfallschaden auf Erstes Risiko, Haftzeit 12 Monate sofern vereinbart sofern …“ | innerhalb aller Gefahren versicherte Schäden, page 2 |
| Sum insured or flat amount for business interruption (share of property sum, amount per animal place or hectare) | yes, up to the sum insured | „Ertragsausfallschaden auf Erstes Risiko, Haftzeit 12 Monate sofern vereinbart sofern …“ | page 2 |
| Indemnity period for business interruption in months | yes | „Ertragsausfallschaden auf Erstes Risiko, Haftzeit 12 Monate sofern vereinbart sofern …“ | page 2 |
| Extra costs to keep the farm running (replacement housing, contractors, relief workers, feed purchase, animal accommodation) | not addressed | ||
| Failure of power or water supply and losses at suppliers or buyers (dairy, abattoir) included | not addressed | ||
| Loss of income from animal disease and official restriction included in the policy (otherwise a separate livestock income policy) | not addressed | ||
| Time excess (waiting days) in business interruption | not addressed |
Excess, exclusions and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess per claim (liability and property sections) | yes | „Fahrzeuganprall bis VS, SB 1.000 € bis VS, SB 1.000 €“ | Feuer, page 1 |
| No reduction for grossly negligent causation of the loss (up to what loss amount) | yes, up to EUR 100,000 | „Keine Kürzung wegen grob fahrlässiger Herbeiführung bei Schäden bis 50.000 € 100.000 €“ | weiterer Schutz, page 2 |
| Contractual safety rules (smoking ban, extinguishers, hay temperature checks, parking of machines, welding) | yes | „Versehentliche Verletzung von Sicherheits - und Meldevorschriften bleibt folgenlos“ | Fair Play, page 3 |
| Duty to have electrical installations inspected regularly by a professional (interval in years) | not addressed | ||
| Restriction for vacant, disused or no longer agriculturally used buildings | not addressed | ||
| Duty to notify increase of risk and changes to the farm (new branches, land, animal numbers, change of use) | not addressed | ||
| Exclusion of wear and tear, corrosion and gradual effects | not addressed | ||
| Deadline and form of the claims notification, report to police or veterinary office | yes | „Versehentlich verspätete Schadenmeldung bleibt folgenlos“ | Fair Play, page 3 |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and renewal, notice period | not addressed | ||
| Right of termination after a claim for both parties | not addressed | ||
| Adjustment of sums and premium (index-linked value, annual declaration of area and livestock) | not addressed | ||
| Future improvements in cover apply automatically to existing contracts (innovation clause) | yes | „Änderungen des Bedingungswerkes gelten automatisch mitversichert“ | Fair Play, page 3 |
| Farm handover, inheritance, leasing out and closure: transfer or end of the contract | not addressed | ||
| Spain: extraordinary risks via the Consorcio de Compensación de Seguros (flood, wind above 120 km/h, earthquake), surcharge and excess | 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- BA die Bayerische Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Alles auf einen Blick: Gebäude (landwirtschaftliche Betriebe) Edition: LDW_Geb_ÜS_158.5, 13.01.2020 Original from the insurer (PDF, German)
- Alles auf einen Blick: Inhalt (landwirtschaftliche Betriebe) Edition: LDW_Inh_ÜS_165.3, 13.01.2020 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 die Bayerische Agrar Fair Play Plus and available as plain
text.
Volltext die Bayerische Agrar Fair Play Plus Hof-Police · As text (Markdown) die Bayerische Agrar Fair Play Plus Farm cover