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Stellantis Financial Services (Opel) Top-Cover: the policy wording in full
Top Cover ist eine Gruppenversicherung der Stellantis Bank bei der Stellantis Insurance Limited (Malta) für finanzierte oder geleaste Fahrzeuge: zahlt bei Totalschaden oder Diebstahl einen Zuschlag von bis zu 20 Prozent auf den Zeit- oder Wiederbeschaffungswert, höchstens bis zum Neuwert (UPE) und bis 15.000 Euro, nachrangig zur Kasko- oder Haftpflichtentschädigung.
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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 Stellantis Financial Services
(Opel) Top-Cover.
Basics and eligible contracts
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Form of cover (module of the comprehensive policy or stand-alone contract) | yes | „Angeboten wird eine Top-Cover Versicherung durch Beitritt zu einem …“ | Informationsblatt, Art der Versicherung, page 3 |
| GAP cover included in the comprehensive policy at no extra premium | no | „Der vereinbarte Versicherungsbeitrag wird als Monatsbeitrag in den zwischen der …“ | Ziffer 8.1, page 2 |
| Fully comprehensive cover is a precondition | yes | „Leistungsvoraussetzungen sind, dass ein Schaden in Form eines Totalschadens oder …“ | Ziffer 3.1, page 1 |
| Partial cover is sufficient (theft, fire, natural hazards) | not addressed | ||
| Comprehensive policy must be held with the same insurer or intermediary | not addressed | ||
| Leased vehicles covered | yes | „Der Versicherungsschutz erstreckt sich ausschließlich auf von der Bank finanzierte oder …“ | Ziffer 1.4, page 1 |
| Loan financed vehicles covered | yes | „Der Versicherungsschutz erstreckt sich ausschließlich auf von der Bank finanzierte oder …“ | Ziffer 1.4, page 1 |
| Financing with balloon payment covered | not addressed | ||
| Cash purchase insurable (purchase price protection without financing) | no | „Der Versicherungsschutz erstreckt sich ausschließlich auf von der Bank finanzierte oder …“ | Ziffer 1.4, page 1 |
| Eligible vehicle types (cars, motorcycles, motorhomes, vans) | yes | „Nicht versichert werden Kraftfahrzeuge die typischerweise nicht verkehrsüblichen …“ | Ziffer 1.4, page 1 |
| Used vehicles insurable | yes | „Der Versicherungsschutz erstreckt sich ausschließlich auf von der Bank finanzierte oder …“ | Ziffer 1.4, page 1 |
| 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 | „Der Versicherer zahlt im Fall eines Totalschadens oder Diebstahls des versicherten …“ | Ziffer 3.1, page 1 |
| Constructive total loss (repair costs above replacement value or a fixed percentage) | yes | „Ein Totalschaden liegt vor, wenn das Fahrzeug technisch nicht wiederhergestellt werden …“ | Ziffer 1.7, page 1 |
| Theft or loss of the whole vehicle | yes | „Der Versicherer zahlt im Fall eines Totalschadens oder Diebstahls des versicherten …“ | Ziffer 3.1, page 1 |
| Waiting period after theft before payment | not addressed | ||
| Benefit only if the comprehensive insurer settles the claim | yes | „Leistungsvoraussetzungen sind, dass ein Schaden in Form eines Totalschadens oder …“ | Ziffer 3.1, page 1 |
| Benefit also when a third party liability insurer pays the total loss | yes | „Leistungsvoraussetzungen sind, dass ein Schaden in Form eines Totalschadens oder …“ | Ziffer 3.1, page 1 |
| Benefit for repairable damage (no total loss) | no | „wenn kein Schaden in Form eines Totalschadens oder Diebstahls des Kraftfahrzeugs vorliegt.“ | Informationsblatt, Deckungsbeschränkungen, page 3 |
Benefit and calculation
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Basis for leasing: settlement value under the lease contract | not addressed | ||
| Basis for loans: outstanding balance on the date of loss | not addressed | ||
| Payment of the difference to replacement value or to the comprehensive settlement | not addressed | ||
| Payment of the difference to purchase or list price (return to invoice, new for old) | yes, up to EUR 15,000 | „Die Top Cover-Versicherung bietet Versicherungsschutz für einen Teil des …“ | Ziffer 1.4, page 1 |
| Duration of purchase price or new value indemnity | yes | „Der Versicherungsschutz endet nach Ablauf der ursprünglich vereinbarten Darlehens- oder …“ | Ziffer 7.3, page 1 |
| Maximum benefit of the GAP cover | yes, up to EUR 15,000 | „Die Gesamtentschädigung je Schadensfall ist auf die Differenz zwischen dem …“ | Ziffer 3.1, page 1 |
| Cap at a percentage of replacement value, purchase price or list price | yes | „Der Versicherer zahlt im Fall eines Totalschadens oder Diebstahls des versicherten …“ | Ziffer 3.1, page 1 |
| VAT is reimbursed | not addressed | ||
| Deductible of the comprehensive policy is reimbursed | not addressed | ||
| Separate deductible within the GAP cover | not addressed | ||
| Salvage value is deducted | not addressed | ||
| Initial lease payment or deposit is taken into account | not addressed | ||
| Extra benefit for replacement (registration, delivery, allowance) | yes, up to EUR 1,500 | „Die Höhe der Bonuszahlung beträgt für Fahrzeuge mit herkömmlichen Verbrennungsmotor EUR …“ | Ziffer 3.2, page 1 |
| Payment made directly to lessor or lender | yes | „Mit Beginn des Versicherungsschutzes ist die Bank für alle fälligen …“ | Ziffer 1.8, page 1 |
What reduces the benefit
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Arrears and default interest not covered | not addressed | ||
| Excess mileage and wear charges not covered | not addressed | ||
| Early termination and administration fees not covered | not addressed | ||
| Financed extras (insurance premiums, warranty, servicing) not covered | not addressed | ||
| Deduction for unrepaired previous damage | not addressed | ||
| Reductions of the comprehensive settlement not made up | not addressed | ||
| Limited to customary lease or loan terms | not addressed | ||
| 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 | yes | „die Top Cover-Versicherung leistet nachrangig und nur soweit die versicherte Person …“ | Ziffer 3.1, page 1 |
Duties after a loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deadline for notifying a claim | yes | „Die versicherte Person ist verpflichtet, jedes Schadensereignis das zu einer Leistung …“ | Ziffer 4.1, page 1 |
| Documents to submit (lease or loan contract, settlement statement, casco settlement) | yes | „Voraussetzung für die Leistungserbringung ist, dass die versicherte Person eine …“ | Ziffer 3.1, page 1 |
| Police report required after theft | yes | „Bei einem Entwendungs-, Brand- oder Wildschaden ist die versicherte Person zudem …“ | Ziffer 4.2, page 1 |
| Insurer's consent before disposal or sale of the wreck | not addressed | ||
| Payment period after assessment | yes | „Die Leistung des Versicherers ist fällig mit der Beendigung der zur Feststellung des …“ | Ziffer 3.3, page 1 |
Term and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Term linked to the lease or loan contract | yes | „Der Versicherungsschutz endet nach Ablauf der ursprünglich vereinbarten Darlehens- oder …“ | Ziffer 7.3, page 1 |
| Maximum term of the GAP cover | yes | „unabhängig von weiteren Ereignissen endet der Versicherungsschutz jedenfalls nach …“ | Informationsblatt, Beginn und Ende, page 4 |
| Ends on redemption, end of contract or transfer of ownership | yes | „Wird der bestehende Darlehens-/Leasingvertrag aus irgendeinem Grunde (Unfall …“ | Ziffer 7.3, page 1 |
| Premium refund on early termination (single premium) | not addressed | ||
| Premium payment (single, financed, ongoing with the casco premium) | yes | „Der vereinbarte Versicherungsbeitrag wird als Monatsbeitrag in den zwischen der …“ | Ziffer 8.1, page 2 |
| Ordinary cancellation of the module or contract | yes | „Die versicherte Person und der Versicherer sind berechtigt, den Versicherungsschutz zum …“ | Ziffer 7.2, page 1 |
| 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.
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
- Distribution
- not known
- Top-Cover Allgemeine Bedingungen Edition: ohne Datum im Text Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for Stellantis Financial Services (Opel) Top-Cover and available
as plain text.
Volltext Stellantis Financial Services (Opel) Top-Cover GAP-Versicherung · As text (Markdown) Stellantis Financial Services (Opel) Top-Cover GAP insurance