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Janitos Compact: the policy wording in full
GAP-Deckung als gesondert zu vereinbarender Baustein der Vollkasko für geleaste und fremdfinanzierte Pkw, begrenzt auf den Neupreis.
German market: tariffs for people living in Germany.
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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 Janitos Compact.
Basics and eligible contracts
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of cover (module of the comprehensive policy or stand-alone contract) | yes | „Die GAP-Deckung für ein fremdfinanziertes bzw. geleastes Fahrzeug kann nur in …“ | A.2.6.4, page 6 |
| GAP cover included in the comprehensive policy at no extra premium | no | „Die Prämie für Versicherungsverträge von Personenkraftwagen in der …“ | Tarifbestimmungen, GAP Versicherung, page 29 |
| Fully comprehensive cover is a precondition | yes | „Die GAP-Deckung für ein fremdfinanziertes bzw. geleastes Fahrzeug kann nur in …“ | A.2.6.4, page 6 |
| Partial cover is sufficient (theft, fire, natural hazards) | no | „Die GAP-Deckung für ein fremdfinanziertes bzw. geleastes Fahrzeug kann nur in …“ | A.2.6.4, page 6 |
| Comprehensive policy must be held with the same insurer or intermediary | yes | „Die GAP-Deckung für ein fremdfinanziertes bzw. geleastes Fahrzeug kann nur in …“ | A.2.6.4, page 6 |
| Leased vehicles covered | yes | „während der Laufzeit des Leasingvertrages die Differenz zwischen der …“ | A.2.6.4 a) aa), page 6 |
| Loan financed vehicles covered | yes | „Sofern im Vertrag gesondert vereinbart, ersetzt der Versicherer bei Totalschaden oder …“ | A.2.6.4 b) aa), page 7 |
| 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 | „Sie kann für Personenkraftwagen vereinbart werden.“ | A.2.6.4, page 6 |
| 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 | „Sofern im Vertrag gesondert vereinbart, ersetzt der Versicherer bei Totalschaden oder …“ | A.2.6.4 b) aa), page 7 |
| Constructive total loss (repair costs above replacement value or a fixed percentage) | not addressed | ||
| Theft or loss of the whole vehicle | yes | „Sofern im Vertrag gesondert vereinbart, ersetzt der Versicherer bei Totalschaden oder …“ | A.2.6.4 b) aa), page 7 |
| Waiting period after theft before payment | not addressed | ||
| Benefit only if the comprehensive insurer settles the claim | not addressed | ||
| Benefit also when a third party liability insurer pays the total loss | not addressed | ||
| Benefit for repairable damage (no total loss) | not addressed |
Benefit and calculation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basis for leasing: settlement value under the lease contract | yes | „Die Höhe der abgezinsten Restforderung ergibt sich aus den restlichen Leasingraten und …“ | A.2.6.4 a) bb), page 7 |
| Basis for loans: outstanding balance on the date of loss | yes | „Die Höhe der Restfinanzierungsforderung ergibt sich aus dem abgezinsten …“ | A.2.6.4 b) aa), page 7 |
| Payment of the difference to replacement value or to the comprehensive settlement | yes, up to the sum insured | „während der Laufzeit des Leasingvertrages die Differenz zwischen der …“ | A.2.6.4 a) aa), page 6 |
| 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 | yes, up to the sum insured | „Die Ersatzleistung ist begrenzt auf den Neupreis des Fahrzeugs.“ | A.2.6.4, page 7 |
| 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 | „Des Weiteren werden die Entschädigungsleistung, die vereinbarte Selbstbeteiligung …“ | A.2.6.4 b) aa), page 7 |
| Separate deductible within the GAP cover | not addressed | ||
| Salvage value is deducted | yes | „Des Weiteren werden die Entschädigungsleistung, die vereinbarte Selbstbeteiligung …“ | A.2.6.4 b) aa), page 7 |
| Initial lease payment or deposit is taken into account | not addressed | ||
| 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 …“ | A.2.6.4 a) bb), page 7 |
| Excess mileage and wear charges not covered | yes | „Nicht unter den Versicherungsschutz der GAP-Deckung fallen, d.h. nicht erstattet …“ | A.2.6.4, page 7 |
| Early termination and administration fees not covered | yes | „Anfallende Bearbeitungsgebühren bzw. Darlehenszinsen sind nicht erstattungsfähig.“ | A.2.6.4 b) cc), page 7 |
| Financed extras (insurance premiums, warranty, servicing) not covered | yes | „Es muss nachgewiesen werden, dass das Darlehen ausschließlich zur Finanzierung des …“ | A.2.6.4 b) bb), page 7 |
| 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 Finanzierungs-/ Leasingverträge auf der …“ | A.2.6.4, page 6 |
| 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 | not addressed | ||
| Embezzlement and fraud excluded | not addressed | ||
| War, civil unrest and nuclear energy excluded | not addressed | ||
| Subsidiary to other insurance | not addressed |
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 | „Der Finanzierungs-/Leasing-Vertrag ist dem Versicherer auf Verlangen vorzulegen.“ | A.2.6.4, page 7 |
| 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 | yes | „während der Laufzeit des Leasingvertrages die Differenz zwischen der …“ | A.2.6.4 a) aa), page 6 |
| 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) | yes | „Die Prämie für Versicherungsverträge von Personenkraftwagen in der …“ | Tarifbestimmungen, GAP Versicherung, page 29 |
| 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
- Janitos Versicherung Aktiengesellschaft
- Distribution
- available through brokers
- Janitos Kfz-Versicherung Produktlinie Compact, Versicherungsbedingungen und Informationen Edition: Bedingungsnummer 202601, Stand 01.10.2026 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 Janitos Compact and available as plain text.
Volltext Janitos Compact GAP-Versicherung · As text (Markdown) Janitos Compact GAP insurance