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Mecklenburgische Landwirtschaft Sach Grunddeckung: the policy wording in full
Grunddeckung der landwirtschaftlichen Sachversicherung nach den ABL 2021 für Gebäude, Inventar und Ertragsausfall gegen Feuer, Leitungswasser, Sturm, Hagel, weitere Elementargefahren und Einbruchdiebstahl als rechtlich selbstständige Verträge, ohne Verzicht auf den Einwand der groben Fahrlässigkeit, Haftzeit 12 Monate.
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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 Mecklenburgische Landwirtschaft
Sach Grunddeckung.
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 | „Bei den Versicherungen gemäß a) bis e) handelt es sich um rechtlich selbstständige“ | § 1 Nr. 1, page 11 |
| 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 | „Versichert sind – sofern vereinbart – Schäden, die durch die Gefahren Feuer …“ | Informationen Nr. 2, page 3 |
| Further natural hazards (flood, heavy rain, backflow, landslide, earthquake, avalanche) | yes, up to the sum insured | „dd) Weitere Elementargefahren (Überschwemmung, Erdbeben, Erdsenkung,“ | § 5, page 12 |
| Weight of snow and roof avalanches on stables, barns and sheds | yes, up to the sum insured | „Ein Schaden durch weitere Elementargefahren liegt vor, wenn eine Sache z. B. durch die …“ | Informationen Nr. 2 a) ac), page 3 |
| Replacement value for farm buildings, actual value rule for old or poorly maintained buildings | yes | „Beim gleitenden Neuwert, beim modifizierten gleitenden Neuwert, beim gleitenden Zeit“ | § 9 Nr. 7, page 17 |
| Rebuilding: time limit, rebuilding elsewhere or in a different design, indemnity without rebuilding | yes | „soweit und sobald er innerhalb von drei Jahren nach Eintritt des Versicherungsfal“ | § 9 Nr. 8.2, page 18 |
| Waiver of underinsurance or flat sum model (sum derived from area, livestock or building volume) | yes | „wegen Unterversicherung vor (Unterversicherungsverzicht).“ | § 9 Nr. 8.1.3, page 18 |
| Clearing, demolition and disposal costs including asbestos and contaminated soil | yes, up to EUR 15,000 | „11 Aufräumungs- und Abbruchkosten auf erstes Risiko2) § 9 Nr. 5.4.1 FE, LW, ST, EL …“ | § 9 Nr. 5.4.1, page 7 |
| Extra costs due to official requirements (animal welfare, emissions, building law) and price increases | yes, up to EUR 15,000 | „14 Mehrkosten durch behördliche Wiederherstellungsbeschränkungen § 9 Nr. 5.4.4 FE, LW …“ | § 9 Nr. 5.4.4, page 7 |
| Surge, short circuit and scorching damage to electrical installations (milking, ventilation, feeding) | yes, up to EUR 5,000 | „3 Überspannungsschäden mit Folgeschäden § 9 Nr, 5.1.3 FE 5.000 € VSu“ | § 9 Nr. 5.1.3, page 7 |
| 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 | „landwirtschaftlicher Betriebe – Wirtschaftsgebäude und deren Inhalt sowie Wohngebäude“ | ABL 2021, page 3 |
Contents, stock and animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured contents: dead stock (machines, implements, equipment) and livestock in one sum or separately | yes | „Die Versicherung des Tierbestandes umfasst grundsätzlich den gesamten jeweils …“ | § 10 Nr. 1.2, page 19 |
| Animals insured against fire, lightning, electrocution and storm, also on pasture | yes, up to the sum insured | „3 Stromschlag an Tieren2) § 2 Nr. 1. FE VSu VSu“ | § 2 Nr. 1, page 8 |
| 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 the sum insured | „Die Versicherung von Ernteerzeugnissen umfasst auch Erzeugnisse im noch nicht“ | § 10 Nr. 1.2, page 19 |
| Spontaneous combustion of hay and produce, fermentation damage | yes, up to EUR 5,000 | „6 Fermentationsschäden2) § 10 Nr. 5.1.5 FE 5.000 € 25.000 €“ | § 10 Nr. 5.1.5, page 8 |
| Machines and implements at replacement value, age limit or depreciation scale | no | „Differenzdeckung zwischen Neuwert- und Zeitwertentschädigung für“ | § 10 Nr. 5.3.5, page 8 |
| Cover away from the farmstead: contents, animals and stock on fields, pastures, third-party land and in transit | yes, up to the sum insured | „Versicherungsschutz besteht auch außerhalb des Versicherungsortes innerhalb der“ | § 10 Nr. 3.2, page 14 |
| Burglary, robbery and vandalism, simple theft of grazing animals, machines and guidance systems | yes, up to the sum insured | „Säugetiere während ihres Aufenthaltes auf eingezäunten Weideplätzen gestohlen“ | Informationen Nr. 2 a) ae); § 6, page 3 |
| 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 the sum insured | „Über Nr. 1.2 b) und c) hinaus ist fremdes Eigentum nur aufgrund besonderer Vereinbarung“ | § 10 Nr. 1.3, page 19 |
| Household contents of the farming family included or available as a module | no | „e) Hausrat aller Art;“ | § 10 Nr. 2, page 19 |
| 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 | „In der Ertragsausfallversicherung wird der Ertragsausfallschaden infolge eines“ | § 11, page 3 |
| Sum insured or flat amount for business interruption (share of property sum, amount per animal place or hectare) | not addressed | ||
| Indemnity period for business interruption in months | yes | „6 Haftzeit § 11 Nr. 5.3 FE, LW, ST, EL, ED 12 Monate 18 Monate“ | § 11 Nr. 5.3, page 9 |
| 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 | yes, up to EUR 30,000 | „5 Rückwirkungsschäden § 11 Nr. 4.5 FE, LW, ST, EL, ED 10.000 €2) 30.000 €“ | § 11 Nr. 4.5, page 9 |
| 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 | „Die Entschädigung wird je Versicherungsfall um die im Einzelnen vereinbarten Selbstbe“ | § 9 Nr. 8.2.10, page 19 |
| No reduction for grossly negligent causation of the loss (up to what loss amount) | no | „Verzicht auf den Einwand der groben Fahrlässigkeit bis zur genannten Gesamt“ | § 9 Nr. 5.2, page 7 |
| Contractual safety rules (smoking ban, extinguishers, hay temperature checks, parking of machines, welding) | yes | „müssen grundsätzlich alle vertraglichen, behördlichen und gesetzlichen Sicherheitsbestim“ | Informationen Nr. 6; § 27, page 3 |
| Duty to have electrical installations inspected regularly by a professional (interval in years) | yes | „Der Versicherungsnehmer hat die elektrischen Anlagen regelmäßig durch eine“ | § 27, page 31 |
| Restriction for vacant, disused or no longer agriculturally used buildings | yes | „b) Nicht genutzte Gebäude oder Gebäudeteile sind genügend häufig zu kontrollieren“ | § 27, page 31 |
| Duty to notify increase of risk and changes to the farm (new branches, land, animal numbers, change of use) | yes | „Gefahrerhöhungen wie z. B. An- oder Umbauten an Gebäuden, die vorgenommen wurden“ | Informationen Nr. 6; § 28, page 3 |
| 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 | „Bitte melden Sie uns jeden Schaden sofort.“ | Informationen Nr. 7; § 26 Nr. 2, page 3 |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and renewal, notice period | yes | „Der Vertrag kann mit einer Frist von drei Monaten zum Ende der vertraglich vereinbarten“ | Kundeninformation, Dauer und Beendigung des Vertrags, page 4 |
| Right of termination after a claim for both parties | yes | „Darüber hinaus bestehen Kündigungsrechte bei einer Beitragsangleichung oder nach einem“ | § 24, page 4 |
| Adjustment of sums and premium (index-linked value, annual declaration of area and livestock) | yes | „b) Der Anpassungsfaktor erhöht oder vermindert sich jeweils zum 1. Januar eines“ | § 18, page 28 |
| Future improvements in cover apply automatically to existing contracts (innovation clause) | not addressed | ||
| 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.
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Policy wordings and provider
- Legal entity
- Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit
- Distribution
- brokers and direct
- Vertragsinformationen Sachversicherungen Landwirtschaft Edition: ABL 2021, Version 82-ABL-0121 (10.26) 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 Mecklenburgische Landwirtschaft Sach Grunddeckung and
available as plain text.
Volltext Mecklenburgische Landwirtschaft Sach Grunddeckung Hof-Police · As text (Markdown) Mecklenburgische Landwirtschaft Sach Grunddeckung Farm cover