Insurance broker / Glass insurance in Germany (Glasversicherung) / Policy wording archive
Mannheimer VALORIMA: the policy wording in full
Allgefahrendeckung für Glas im Rahmen von VALORIMA mit Neuwert, Naturalersatz nach Wahl des Versicherers und Verzicht auf Unterversicherung bei bis zu 20 Prozent Abweichung; Zusatzkosten nur soweit vereinbart.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for Mannheimer VALORIMA.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured or maximum indemnity per claim (where not unlimited) | as stated in the policy schedule | „Der Ersatz dieser Aufwendungen und die Entschädigung für versicherte Sachen betragen …“ | § 4 Nr. 1, page 1 |
| Glass insurance available as a separate policy (without home contents or buildings policy) | yes | „gelten nur in Verbindung mit ihnen“ | § 15, page 2 |
| Furniture glazing insured (household glass, contents of the home) | yes | „Die Versicherung erstreckt sich auf die im Versicherungsschein genannten, fertig …“ | § 1, page 1 |
| Building glazing insured (windows, doors, fixed panes) | yes | „Gebäudeverglasungen sind nur an ihrem bestimmungsgemäßen Platz versichert.“ | § 6 Nr. 3, page 1 |
| Building glazing of a rented flat covered for tenants | not addressed | ||
| Flat rate cover by living area or lump sum, without listing individual panes | yes | „Hängt der Beitrag ausweislich der Fragen, die im Antrag gestellt worden sind, von der …“ | § 10 Nr. 1, page 2 |
| Size limit per individual pane (square metres) | not addressed | ||
| Compensation at replacement value (restoration of like kind and quality) | yes | „Versicherungswert ist der Neuwert.“ | § 7, page 1 |
| Replacement in kind: insurer has the pane replaced by a glazier | yes | „Der Versicherer ist berechtigt, statt Entschädigung in Geld Naturalersatz zu leisten.“ | § 13 Nr. 2, page 2 |
| Waiver of the underinsurance defence | yes | „Auf den Einwand der Unterversicherung wird verzichtet, wenn der Versicherungswert“ | § 13 Nr. 4, page 2 |
Insured glass in the household
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Panes and panels in furniture, display cabinets and cupboards | yes | „fertig eingesetzten oder montierten Scheiben und anderen Gegenstände“ | § 1, page 1 |
| Glass table tops | not addressed | ||
| Mirrors (fixed or wall mirrors) | not addressed | ||
| Glass ceramic hobs | not addressed | ||
| Induction hobs including electrical parts | not addressed | ||
| Viewing panes of ovens, microwaves and stoves | not addressed | ||
| Aquariums and terrariums (including consequential damage to animals and plants where stated) | not addressed | ||
| Shower cubicles and screens of glass or plastic | not addressed | ||
| Panes and panels of plastic (acrylic, polycarbonate) | not addressed | ||
| Panels of natural stone, marble or granite (e.g. worktops, window sills) | not addressed | ||
| Sanitary ceramics (washbasins, toilets, baths) | not addressed | ||
| Glass of pictures and picture frames | not addressed | ||
| Lamps, hollow glass and glass tableware included | not addressed | ||
| Screens, displays and touchscreens (TV, computer, mobile phones) included | not addressed |
Insured building glazing
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Window and door panes (including multi pane insulating glass) | yes | „fertig eingesetzten oder montierten Scheiben und anderen Gegenstände“ | § 1, page 1 |
| Conservatory and loggia glazing | not addressed | ||
| Roof windows, dome lights and skylights | not addressed | ||
| Glass roofs, canopies, patio roofs and carports of glass or plastic | not addressed | ||
| Balcony, parapet and railing glazing | not addressed | ||
| Glass blocks and profiled building glass | not addressed | ||
| Glass of solar thermal and photovoltaic modules | not addressed | ||
| Greenhouses, cold frames and pond covers | not addressed | ||
| Failure of the edge seal of insulating glass (misting, clouding) | no | „die an den Randverbindungen oder durch Undichtwerden der Randverbindungen von …“ | § 3 Nr. 2 c), page 1 |
Perils and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakage from any cause (all risks for glass) | yes | „Der Versicherer trägt alle Gefahren, denen die versicherten Sachen während der Dauer …“ | § 2 Nr. 1, page 1 |
| Breakage by vandalism or malicious damage | yes | „Der Versicherer trägt alle Gefahren, denen die versicherten Sachen während der Dauer …“ | § 2 Nr. 1, page 1 |
| Cost of emergency glazing and boarding up | yes, up to the sum insured | „Aufwendungen für provisorische Sicherungsmaßnahmen“ | § 4 Nr. 1, page 1 |
| Cost of scaffolding, cranes and lifting equipment | yes | „für den Aufbau von Gerüsten zur Ersatzausführung“ | § 4 Nr. 2 d), page 1 |
| Cost of removing and refitting obstacles (grilles, awnings, furniture) | yes | „für das Beseitigen und Wiederanbringen von Gegenständen, die das Einsetzen von …“ | § 4 Nr. 2 e), page 1 |
| Damage to frames, fittings and profiles | yes | „für Umrahmungen, Mauerwerk und Schutzeinrichtungen“ | § 4 Nr. 2 c), page 1 |
| Paintings, lettering, decorations and films on the glass | yes | „für Anstrich, Malereien, Schriften, Folien und sonstige Verzierungen“ | § 4 Nr. 2 a), page 1 |
| Alarm sensors and security devices on or in the glass | yes | „für Umrahmungen, Mauerwerk und Schutzeinrichtungen“ | § 4 Nr. 2 c), page 1 |
| Cost of disposing of broken glass | not addressed | ||
| Extra cost of urgent, night, Sunday and holiday work | not addressed | ||
| Extra cost of custom made and special glass (safety, acoustic, ornamental) | not addressed | ||
| Extra cost of more energy efficient glazing required by regulation | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of scratches, scuffs and conchoidal chips (no breakage) | yes | „Beschädigung der Oberfläche (z. B. Schrammen, Kratzer)“ | § 3 Nr. 1 f), page 1 |
| Exclusion of breakage by fire, lightning or explosion | none | „Der Versicherer trägt alle Gefahren, denen die versicherten Sachen während der Dauer …“ | § 2 Nr. 1, page 1 |
| Exclusion of breakage by storm, hail or other natural hazards | none | „Der Versicherer trägt alle Gefahren, denen die versicherten Sachen während der Dauer …“ | § 2 Nr. 1, page 1 |
| Exclusion of damage during work on the pane, its frame or during fitting and removal | yes | „die bei oder nach der Entfernung der Sachen von ihrem bestimmungsgemäßen Platz …“ | § 3 Nr. 2 e), page 1 |
| Exclusion of breakage due to subsidence, settlement or building movement | not addressed | ||
| Exclusion or restriction when the home is vacant or unoccupied | not addressed | ||
| Exclusion of war, civil unrest, nuclear energy | yes | „Krieg, kriegsähnliche Ereignisse, Bürgerkrieg, Verfügung von hoher Hand“ | § 3 Nr. 1 a), page 1 |
| Reduction of benefit for grossly negligent damage | not addressed |
Deductible, obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | not addressed | ||
| Waiting period after start of cover | not addressed | ||
| Claim notification: deadline and form | yes | „den Schaden dem Versicherer unverzüglich anzuzeigen“ | § 12 Nr. 1 a), page 2 |
| Duty to report to the police (vandalism, burglary) | yes | „Schäden durch Einbruchdiebstahl, Raub oder Vandalismus unverzüglich der zuständigen …“ | § 12 Nr. 1 b), page 2 |
| Insurer's approval required before instructing a glazier | not addressed | ||
| Duty to keep damaged parts until inspection | yes | „Veränderungen der Schadenstelle möglichst zu vermeiden, solange der Versicherer nicht …“ | § 12 Nr. 1 d), page 2 |
| Cover when moving home (transfer to new home) | not addressed | ||
| Increase in risk: what must be notified (alterations, vacancy, business use) | yes | „vorhandene oder im Versicherungsvertrag zusätzlich vereinbarte Sicherungen (z. B …“ | § 9 Nr. 2, page 2 |
| Contract term and tacit renewal | not addressed | ||
| Right of both parties to cancel after a claim | not addressed | ||
| Better position or performance guarantee versus model terms or previous tariff | not addressed |
Specific to Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Glass breakage with cover share for building and contents (percent of sum or 100 %) | not addressed | ||
| Cover on a first loss basis (primer riesgo) | not addressed | ||
| Basic line covers glass breakage only for vandalism or named causes | not addressed | ||
| Reference to the Consorcio de Compensación de Seguros for extraordinary risks | not addressed | ||
| Repair through the insurer's network (direct repair) | 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
- Mannheimer Versicherung Aktiengesellschaft
- Distribution
- not known
- VALORIMA Bedingungen für die Glasversicherung (VB-Glas 08) Edition: VALORIMA VB-Glas 08, Stand 01.01.2008 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 Mannheimer VALORIMA and available as plain text.
Volltext Mannheimer VALORIMA · As text (Markdown) Mannheimer VALORIMA