Insurance broker / GAP insurance in Germany (for leased and financed cars) / Policy wording archive GAP insurance
Itzehoer COMFORT DRIVE: the policy wording in full
Zu COMFORT DRIVE kann die GAP-Deckung für fremdfinanzierte Fahrzeuge eigens beantragt werden; sie zahlt nach Totaldiebstahl oder Totalschaden den offenen Finanzierungs- oder Leasingrestbetrag abzüglich Verkaufserlös, Kaskoleistung und Selbstbeteiligung.
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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 Itzehoer COMFORT DRIVE.
Basics and eligible contracts
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of cover (module of the comprehensive policy or stand-alone contract) | yes | „(Nur gültig, sofern ausdrücklich beantragt und im Versicherungsschein/Nachtrag …“ | Besondere Bedingungen VIII, page 63 |
| GAP cover included in the comprehensive policy at no extra premium | no | „(Nur gültig, sofern ausdrücklich beantragt und im Versicherungsschein/Nachtrag …“ | Besondere Bedingungen VIII, page 63 |
| Fully comprehensive cover is a precondition | not addressed | ||
| Partial cover is sufficient (theft, fire, natural hazards) | not addressed | ||
| Comprehensive policy must be held with the same insurer or intermediary | yes | „aufgrund dessen aus der Kaskoversicherung der Wiederbeschaffungswert/Kaufpreis/Neuwert …“ | Besondere Bedingungen VIII A.1, page 63 |
| Leased vehicles covered | yes | „Die Leistung aus der GAP-Deckung gilt für Leasing- und Kreditverträge, die auf der …“ | Besondere Bedingungen VIII A.2, page 63 |
| Loan financed vehicles covered | yes | „Die Leistung aus der GAP-Deckung gilt für Leasing- und Kreditverträge, die auf der …“ | Besondere Bedingungen VIII A.2, page 63 |
| Financing with balloon payment covered | not addressed | ||
| Cash purchase insurable (purchase price protection without financing) | not addressed | ||
| Eligible vehicle types (cars, motorcycles, motorhomes, vans) | yes | „GAP-Deckung für fremdfinanzierte - Pkw zur Eigenverwendung oder - Campingfahrzeuge zur …“ | Besondere Bedingungen VIII, page 63 |
| Used vehicles insurable | not addressed | ||
| Maximum vehicle age at inception | not addressed | ||
| Maximum insurable purchase price or vehicle value | not addressed | ||
| Leased or rented traction battery included | not addressed |
Insured event
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Total loss (destruction) as insured event | yes | „Ihr versichertes Fahrzeug einen Totaldiebstahl oder einen Totalschaden erlitten hat“ | Besondere Bedingungen VIII A.1, page 63 |
| Constructive total loss (repair costs above replacement value or a fixed percentage) | not addressed | ||
| Theft or loss of the whole vehicle | yes | „Ihr versichertes Fahrzeug einen Totaldiebstahl oder einen Totalschaden erlitten hat“ | Besondere Bedingungen VIII A.1, page 63 |
| Waiting period after theft before payment | not addressed | ||
| Benefit only if the comprehensive insurer settles the claim | yes | „aufgrund dessen aus der Kaskoversicherung der Wiederbeschaffungswert/Kaufpreis/Neuwert …“ | Besondere Bedingungen VIII A.1, page 63 |
| Benefit also when a third party liability insurer pays the total loss | not addressed | ||
| Benefit for repairable damage (no total loss) | no | „Ihr versichertes Fahrzeug einen Totaldiebstahl oder einen Totalschaden erlitten hat“ | Besondere Bedingungen VIII A.1, page 63 |
Benefit and calculation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basis for leasing: settlement value under the lease contract | yes | „Der Leasingrestbetrag ergibt sich aus der abgezinsten Summe der ausstehenden …“ | Besondere Bedingungen VIII A.2, page 63 |
| Basis for loans: outstanding balance on the date of loss | yes | „Der Finanzierungs-Restbetrag ist der Betrag, der bei vorzeitiger, schadenbedingter …“ | Besondere Bedingungen VIII A.2, page 63 |
| Payment of the difference to replacement value or to the comprehensive settlement | yes, up to the sum insured | „Unsere Versicherungsleistung aus der GAP-Deckung ergibt sich aus dem offen stehenden …“ | Besondere Bedingungen VIII B.1, page 63 |
| Payment of the difference to purchase or list price (return to invoice, new for old) | not addressed | ||
| Duration of purchase price or new value indemnity | not addressed | ||
| Maximum benefit of the GAP cover | not addressed | ||
| Cap at a percentage of replacement value, purchase price or list price | not addressed | ||
| VAT is reimbursed | not addressed | ||
| Deductible of the comprehensive policy is reimbursed | no | „Unsere Versicherungsleistung aus der GAP-Deckung ergibt sich aus dem offen stehenden …“ | Besondere Bedingungen VIII B.1, page 63 |
| Separate deductible within the GAP cover | not addressed | ||
| Salvage value is deducted | yes | „Unsere Versicherungsleistung aus der GAP-Deckung ergibt sich aus dem offen stehenden …“ | Besondere Bedingungen VIII B.1, page 63 |
| Initial lease payment or deposit is taken into account | yes, up to the sum insured | „Der Leasingrestbetrag ergibt sich aus der abgezinsten Summe der ausstehenden …“ | Besondere Bedingungen VIII A.2, page 63 |
| Extra benefit for replacement (registration, delivery, allowance) | not addressed | ||
| Payment made directly to lessor or lender | not addressed |
What reduces the benefit
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Arrears and default interest not covered | yes | „Nicht berücksichtigt werden vor Eintritt des Schadenfalls fällig gewesene, nicht …“ | Besondere Bedingungen VIII A.2, page 63 |
| Excess mileage and wear charges not covered | yes | „Von der Leistung ausgenommen sind eventuelle Mehrforderungen des Leasinggebers wegen …“ | Besondere Bedingungen VIII B.2, page 63 |
| Early termination and administration fees not covered | not addressed | ||
| Financed extras (insurance premiums, warranty, servicing) not covered | yes | „Der Kredit muss nachweislich ausschließlich zur Finanzierung des Fahrzeugs aufgenommen …“ | Besondere Bedingungen VIII A.2, page 63 |
| Deduction for unrepaired previous damage | not addressed | ||
| Reductions of the comprehensive settlement not made up | not addressed | ||
| Limited to customary lease or loan terms | yes | „Die Leistung aus der GAP-Deckung gilt für Leasing- und Kreditverträge, die auf der …“ | Besondere Bedingungen VIII A.2, page 63 |
| Reduction if the comprehensive policy does not pay full replacement value | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Waiver of the gross negligence defence | not addressed | ||
| Intent excluded | not addressed | ||
| Driving under the influence excluded | not addressed | ||
| Unlicensed or unauthorised driver excluded | not addressed | ||
| Racing and track driving excluded | not addressed | ||
| Taxi, hire car, driving school and rental use excluded | yes | „das Fahrzeug nur wie vereinbart verwendet wurde.“ | Besondere Bedingungen VIII A.1, page 63 |
| Embezzlement and fraud excluded | not addressed | ||
| War, civil unrest and nuclear energy excluded | not addressed | ||
| Subsidiary to other insurance | yes | „Ein Leistungsanspruch besteht nicht, soweit im Schadenfall ein Dritter Ihnen oder dem …“ | Besondere Bedingungen VIII B.2, page 63 |
Duties after a loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deadline for notifying a claim | not addressed | ||
| Documents to submit (lease or loan contract, settlement statement, casco settlement) | yes | „Im Schadenfall müssen Sie uns den Leasingvertrag, die Abrechnung und die Berechnung des …“ | Besondere Bedingungen VIII C, page 63 |
| Police report required after theft | not addressed | ||
| Insurer's consent before disposal or sale of the wreck | not addressed | ||
| Payment period after assessment | not addressed |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Term linked to the lease or loan contract | not addressed | ||
| Maximum term of the GAP cover | not addressed | ||
| Ends on redemption, end of contract or transfer of ownership | not addressed | ||
| Premium refund on early termination (single premium) | not addressed | ||
| Premium payment (single, financed, ongoing with the casco premium) | not addressed | ||
| Ordinary cancellation of the module or contract | not addressed | ||
| Vehicle change or transfer to a successor vehicle | not addressed | ||
| GAP cover continues after a change of comprehensive insurer | not addressed | ||
| Territorial scope (Europe, green card countries) | not addressed |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Indemnity at new value (valor a nuevo): years from first registration | not addressed | ||
| Enhanced market value after the new value period (valor venal mejorado) | not addressed | ||
| New value only for the first owner | not addressed | ||
| Clause in favour of the lender (loss payee, retention of title) | 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
- Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein auf Gegenseitigkeit
- Distribution
- brokers and direct
- Verbraucherinformationen für Kraftfahrtversicherungen mit AKB COMFORT DRIVE und Besonderen Bedingungen TOP DRIVE Edition: Ausgabe 09/26 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 Itzehoer COMFORT DRIVE and available as plain text.
Volltext Itzehoer COMFORT DRIVE GAP-Versicherung · As text (Markdown) Itzehoer COMFORT DRIVE GAP insurance