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Wertgarantie Geräteschutz Komfort 3, ein Jahr Garantieverlängerung: the policy wording in full
WERTGARANTIE Geräteschutz KOMFORT 3: 12 Monate Garantieverlängerung plus ab Vertragsbeginn Sturz, Wasser, Bedienfehler, Elektronik, Raub und Einbruchdiebstahl, Ersatzgerät gleicher Art und Güte; Smartphones sind nicht versicherbar.
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Everything about this policy
What the policy covers: 67 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for Wertgarantie Geräteschutz Komfort 3, ein Jahr Garantieverlängerung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured or maximum compensation per device (purchase price, replacement value or fixed cap) | as stated in the policy schedule | „maximal jedoch den Zeitwert der versicherten Sache zum Zeitpunkt des Schadeneintritts“ | 3.3, page 1 |
| All-risks cover (any unforeseen damage not expressly excluded) | no | „Reparaturen bei Zerstörung oder Beschädigung der versicherten Sache durch“ | 2.2, page 1 |
| Insurable device types (smartphone, tablet, laptop, camera, smartwatch, games console, household appliance) | yes | „Mobiltelefone/Smartphones.“ | 1.2 c), page 1 |
| Several devices in one contract (multi-device or household bundle) | no | „Versichert ist die im Versicherungsvertrag genannte Sache“ | 1.1, page 1 |
| Maximum device age at inception (months from purchase) | yes | „Geräte, die älter als 24 Monate sind (Gebrauchtgeräte).“ | 1.2 b), page 1 |
| Used or refurbished devices insurable | no | „Geräte, die älter als 24 Monate sind (Gebrauchtgeräte).“ | 1.2 b), page 1 |
| Retail proof of purchase required (no private sale, purchase in specific countries) | yes | „den Kaufbeleg für die geschützte, defekte Sache einzureichen.“ | 4.1, page 1 |
| Cover tied to retailer, manufacturer or mobile contract (group policy, ends with that contract) | yes | „über den Fachhändler direkt an den Versicherungsnehmer“ | 3.2, page 1 |
Covered damage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accidental breakage and drop damage | yes, up to the sum insured | „Fall-/Sturzschäden,“ | 2.2 a), page 1 |
| Cracked screen (even without loss of function) | not addressed | ||
| Liquid and moisture damage | yes, up to the sum insured | „Wasser-/Feuchtigkeitsschäden,“ | 2.2 b), page 1 |
| Operating error and clumsiness | yes, up to the sum insured | „unsachgemäße Handhabung,“ | 2.2 c), page 1 |
| Electronic faults and short circuit (surge, induction) | yes, up to the sum insured | „Elektronikschäden“ | 2.2 f), page 1 |
| Material, design and manufacturing defects after the statutory warranty (extended warranty) | yes, up to the sum insured | „Geräteschutz gegen Material-, Konstruktions- und Fabrikationsfehler gewährt.“ | 2.1, page 1 |
| Wear and tear covered | not addressed | ||
| Battery damage or capacity loss (capacity threshold) | yes, up to the sum insured | „Originalzubehörs, welches für den Gerätebetrieb notwendig ist (bspw. Akku oder Netzteil).“ | 1.1, page 1 |
| Fire, lightning, explosion | yes, up to the sum insured | „Implosion/Explosion“ | 2.2 e), page 1 |
| Storm, hail, flood, natural perils | no | „Natur- und Man-Made-Katastrophen (wie z. B. Erdbeben, Sturm, Hagel, Flut/Überschwemmung“ | 2.5, page 1 |
| Vandalism and sabotage by third parties | not addressed | ||
| Scratches and purely cosmetic damage | no | „die nicht die Funktion der Sache beeinträchtigen ... Schäden an der Lackierung“ | 2.5, page 1 |
| Accessories covered (charger, case, stylus, earphones, lens) | yes, up to the sum insured | „inklusive des im Hersteller-Lieferumfang des Gerätes enthaltenen Originalzubehörs“ | 1.1, page 1 |
Theft and loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Burglary (from home, building or locked room) | yes, up to the sum insured | „Kostenbeteiligung bei Raub und Einbruchsdiebstahl der versicherten Sache“ | 2.3, page 1 |
| Robbery (violence or threat against the person) | yes, up to the sum insured | „Kostenbeteiligung bei Raub und Einbruchsdiebstahl der versicherten Sache“ | 2.3, page 1 |
| Simple theft away from home (pickpocketing, trick theft) | not addressed | ||
| Theft from a vehicle | yes, up to the sum insured | „auch aus einem verschlossenen Kraftfahrzeug“ | 2.3, page 1 |
| Loss, leaving behind or forgetting the device | not addressed | ||
| Theft cover only if in custody (carried on the person, not unattended, not in an open bag) | not addressed | ||
| Maximum number of theft or loss claims per policy year | not addressed | ||
| Fraudulent use after theft (call and data charges, payment services) | no | „aus Kartenmissbrauch bei Diebstahl eines mobilen Gerätes“ | 2.5, page 1 |
| Device location feature (Find My) must be enabled | not addressed |
Claims settlement
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repair costs reimbursed (up to current value or cap) | yes, up to the sum insured | „die Wiederinstandsetzung oder Erneuerung der beschädigten Bauteile“ | 3.1, page 1 |
| Replacement device of like kind and quality on total loss or theft | yes, up to the sum insured | „durch Wiederbeschaffung eines Gerätes gleicher Art und Güte“ | 3.2, page 1 |
| Cash settlement on total loss possible | not addressed | ||
| New-for-old compensation in the first months (duration) | not addressed | ||
| Deduction by device age (depreciation scale) | not addressed | ||
| Repair only through the insurer's partner workshop or mail-in service | yes | „ist zusätzlich ein Kostenvoranschlag einer Fachwerkstatt einzureichen“ | 4.1, page 1 |
| Repair with original parts or manufacturer-authorised | not addressed | ||
| Express exchange or replacement within a fixed time | not addressed | ||
| Loan device during repair | not addressed | ||
| Shipping costs to and from repair covered | yes, up to the sum insured | „Kosten für Arbeitslohn und Wegegelder“ | 3.1, page 1 |
| Data recovery and software reinstallation | no | „Daten-/Softwareverlust“ | 2.5, page 1 |
| Maximum number of claims or maximum compensation per policy year | not addressed | ||
| Contract ends after total loss, theft or replacement | not addressed |
Excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess on repair (amount or percent) | not addressed | ||
| Excess on theft, robbery or loss | yes, up to the sum insured | „Kostenbeteiligung für die Ersatzbeschaffung in vereinbartem Umfang“ | 3.3, page 1 |
| Excess on total loss or replacement device | not addressed | ||
| Option without excess available | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Gross negligence covered (no right to reduce benefits) | not addressed | ||
| Business or professional use of the device covered | no | „Sachen die gewerblich genutzt werden.“ | 1.2 a), page 1 |
| Warranty, manufacturer guarantee or other insurance takes priority (subsidiarity) | yes | „Grundsätzlich gilt eine subsidiäre Haftung als vereinbart“ | 3.5, page 1 |
| Exclusion after unauthorised repair or modification (jailbreak, root) | yes | „durch Reparaturarbeiten und Eingriffe nicht autorisierter Stellen“ | 2.5, page 1 |
| Software, virus and data damage excluded | yes | „durch Computerviren, Daten-/Softwareverlust“ | 2.5, page 1 |
| Police report after theft or robbery (deadline) | yes | „der Nachweis über Stellung der Strafanzeige bei der Polizei“ | 4.1, page 1 |
| Blocking the SIM or device with the carrier after theft required | yes | „über die Sperre der verwendeten SIM-Karte einzureichen.“ | 4.1, page 1 |
| Deadline for notifying the insurer of a claim | yes | „unverzüglich, spätestens innerhalb 1 Monats nach Eintritt in Textform“ | 4.1, page 1 |
| Damaged device must be sent in or handed over | yes | „Zug-um-Zug gegen Herausgabe und Übereignung des defekten Gerätes.“ | 3.2, page 1 |
| Protective case or screen protector required | not addressed | ||
| War, civil unrest, nuclear energy, confiscation excluded | yes | „Kernenergie, Terror oder Kriegsereignisse jeder Art“ | 2.5, page 1 |
Contract and scope
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Worldwide cover (including travel) | yes | „Die Versicherung gilt in Deutschland sowie bei vorübergehenden Reisen weltweit“ | 5, page 1 |
| Waiting period from inception (days, especially for theft) | none | „ab Vertragsbeginn“ | 2.2, page 1 |
| Minimum contract term | yes | „Vertrag und Haftung laufen bis zum Abschluss der jeweiligen Festlaufzeit.“ | 7.2, page 1 |
| Cancellable monthly or daily | no | „Der Beitrag wird als Einmalprämie bei Abschluss des Vertrages erhoben.“ | 6, page 1 |
| Maximum term or end at a certain device age | yes | „enden mit dem vereinbarten Zeitpunkt automatisch, ohne dass es einer Kündigung bedarf.“ | 7.3, page 1 |
| Insurer may cancel after a claim | not addressed | ||
| Device can be swapped during the contract | not addressed | ||
| Transfer to a new owner when the device is sold | yes | „Der Geräteschutz ist produktbezogen und kann innerhalb der Versicherungszeit von jeder …“ | 8, page 1 |
| Cover also when used by family or household members | not addressed |
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Policy wordings and provider
- Legal entity
- WERTGARANTIE SE
- Distribution
- brokers and direct
- Allgemeine Versicherungsbedingungen (AVB) Geräteschutz BASIS, KOMFORT 3 und KOMFORT 5 Edition: WG DE GSBK 0123 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 Wertgarantie Geräteschutz Komfort 3, ein Jahr Garantieverlängerung and available as plain text.
Volltext Wertgarantie Geräteschutz Komfort 3, ein Jahr Garantieverlängerung · As text (Markdown) Wertgarantie Geräteschutz Komfort 3, ein Jahr Garantieverlängerung