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Versicherungskammer Bayern Waldversicherung Bayern: the policy wording in full
Entschädigungstabelle der bayerischen Waldbrandversicherung mit festen Bestandeswerten je Hektar nach Baumart, Ertragsklasse und Alter und 1.000 Euro je Hektar Abräumungskosten für Bestände bis 30 Jahre; die Bedingungen selbst liegen nicht vor.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Versicherungskammer Bayern
Waldversicherung Bayern.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured (per hectare, per stand or for the whole forest holding) | as stated in the policy schedule | „Die Summen gelten jeweils in Euro pro Hektar.“ | I. Versicherungssummenstaffel, page 1 |
| Valuation basis in a claim (stumpage value, cost value of the plantation, age factor, table value per hectare) | yes | „Maßgebend für eine Entschädigungsberechnung ist die Baumart, die Ertragsklasse und das …“ | Vorbemerkung, page 1 |
| Standing timber is insured (high and coppice forest, all age classes) | yes | „Bestandeswert wird nach dem Alterswertfaktorverfahren mit der Formel“ | III. Erläuterungen, page 3 |
| Plantations, afforestation and young growth included (establishment cost) | yes, up to the sum insured | „Kulturkosten sind die gegendüblichen Kosten der Wiederbegründung eines Waldbestandes.“ | III. Erläuterungen, page 3 |
| Felled timber in the forest or at the roadside (log piles) included | not addressed | ||
| Christmas tree, greenery and energy wood plantations insurable | not addressed | ||
| Minimum area or minimum sum insured to take out cover | not addressed | ||
| The whole forest holding must be insured (no selection of single plots) | not addressed | ||
| First loss cover (no underinsurance deduction up to the sum) | not addressed | ||
| Waiver of the underinsurance defence | not addressed | ||
| Contract form: single module (fire, storm, liability) or package for small forest holdings | not addressed | ||
| Public premium subsidy (state aid in Germany, federal grant under sec. 147 Forest Act in Austria, ENESA subsidy in Spain) addressed in the wording | not addressed |
Forest fire
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire regardless of cause (including third parties, arson, flying sparks) | not addressed | ||
| Lightning (including non-igniting strike on single trees) | not addressed | ||
| Explosion | not addressed | ||
| Impact or crash of an aircraft, its parts or cargo | not addressed | ||
| Ground and surface fire, also when trees are only scorched and die later | not addressed | ||
| Fire fighting costs (fire brigade, aerial fire fighting, water) | not addressed | ||
| Clearing costs of the burnt area (damaged timber, removal) | yes, up to the sum insured | „Zusätzlich sind die Kosten für die oberirdische Abräumung für die bis 30-jährigen …“ | II. Abräumungskosten, page 3 |
| Reforestation costs (plants, planting, tending, fencing) | yes, up to the sum insured | „Dazu sind zu rechnen: Die Kosten für Schlagräumung und etwaige Bodenbearbeitung, für …“ | III. Erläuterungen, page 3 |
| Loss on sale of damaged timber compared to regular sale | not addressed | ||
| Consequential damage after fire by insects or fungi in later years | not addressed | ||
| Soil, stumps, roots and ground vegetation not insured | yes | „Die Kosten für die Entfernung von Stock- und Wurzelholz gehören nicht zu den …“ | III. Erläuterungen, page 3 |
Storm and other natural perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Storm (windthrow and wind break) | not addressed | ||
| Minimum wind force for storm (for example Beaufort 8) | not addressed | ||
| Minimum damaged area or volume for storm claims (hectares, cubic metres) | not addressed | ||
| Indemnity as flat rate per hectare of storm damaged area | not addressed | ||
| Storm only available together with fire or forest owner liability | not addressed | ||
| Snow break, snow pressure, ice and hoarfrost load | not addressed | ||
| Hail on plantations and young stands | not addressed | ||
| Flood, high water, torrential rain and landslide | not addressed | ||
| Insect calamity (bark beetle, pests) as a separate peril | not addressed | ||
| Drought (failure of plantations) | not addressed | ||
| Plantation failure: establishment loss of new plantings due to weather | not addressed | ||
| Game damage and browsing on plantations | not addressed |
Forest owner liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Limit of forest owner liability (combined for bodily injury and property damage) | not addressed | ||
| Duty of care along public roads, paths and boundaries | not addressed | ||
| Damage by falling trees and branches | not addressed | ||
| Own forest work and harvesting (felling, skidding, chainsaw) | not addressed | ||
| Liability as principal of forestry contractors | not addressed | ||
| Sale of firewood and self cutting by private buyers | not addressed | ||
| Liability towards visitors (walkers, cyclists, riders, play areas, huts) | not addressed | ||
| Leasing of hunting rights and raised hides on own land | not addressed | ||
| Liability for fire spreading to neighbouring land | not addressed | ||
| Environmental damage under environmental liability law (biodiversity, soil, water) | not addressed | ||
| Water pollution (fuel, oil, plant protection products) | not addressed | ||
| Self propelled machines and forestry equipment (up to 20 km/h) included | not addressed |
Deductible and indemnity
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible as fixed amount per claim | not addressed | ||
| Percentage deductible (of the loss or the sum insured) | not addressed | ||
| Minimum loss below which nothing is paid | not addressed | ||
| Maximum indemnity per hectare | yes, up to the sum insured | „Die Summen gelten jeweils in Euro pro Hektar.“ | I. Versicherungssummenstaffel, page 1 |
| Offset of public aid (disaster relief, reforestation grants) against the indemnity | not addressed | ||
| Full indemnity only if reforested within a deadline | not addressed | ||
| Due date of the indemnity and interim payment | not addressed |
Obligations and term
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire prevention rules (fire ban, firebreaks, observe fire danger levels) | not addressed | ||
| Duty of proper forest management (process damaged timber, remove beetle wood, tending) | not addressed | ||
| Deadline for notifying a claim | not addressed | ||
| Waiting period from inception (especially fire in summer) | not addressed | ||
| Changes of area, stand or management must be notified | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Contract term and renewal (annual, multi year, annual plan of Spanish agricultural insurance) | not addressed | ||
| Expert procedure in a dispute about the amount (forestry experts) | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion for intent of the policyholder | not addressed | ||
| Waiver of reduction for gross negligence | not addressed | ||
| Exclusion for own controlled burning, traditional fires or brush burning | not addressed | ||
| Exclusion war, civil unrest, terrorism and nuclear energy | not addressed | ||
| Exclusion of previously damaged stands (calamity areas, beetle infestation, old damage) | not addressed | ||
| Exclusion or limit for certain species or age classes (for example conifers, old stands) | not addressed |
Spain specifics (combined agricultural insurance, forestry)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Line 319 and module: which guarantee (reforestation, regeneration) covers which peril | not addressed | ||
| Extraordinary risks via the Spanish compensation consortium | 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
- Versicherungskammer Bayern Versicherungsanstalt des öffentlichen Rechts, Bayerischer Versicherungsverband Versicherungsaktiengesellschaft
- Distribution
- not known
- Waldversicherung Entschädigungstabelle Bayern Edition: 01.01.2015, SAP-Nr. 30 09 43 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 Versicherungskammer Bayern Waldversicherung Bayern and
available as plain text.
Volltext Versicherungskammer Bayern Waldversicherung Bayern Waldversicherung · As text (Markdown) Versicherungskammer Bayern Waldversicherung Bayern Forest insurance