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HUK24 Solar-, Geothermie- und Wärmepumpen: the policy wording in full
Abschnitt F zur HUK24 Wohngebäudeversicherung Classic: Schutz unabhängig von der Ursache und gegen Diebstahl für Solarthermie, Geothermie bis 400 m und Wärmepumpen zum Neuwert, ohne Selbstbeteiligung, mit Nutzungsausfall von 5 Euro je Tag.
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Everything about this policy
What the policy covers: 66 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for HUK24 Solar-,
Geothermie- und Wärmepumpen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: standalone home technology or heat pump policy, or add-on to buildings insurance | no | „Der erweiterte Versicherungsschutz für diese Anlagen besteht nur, wenn Sie ihn gegen …“ | F, page 40 |
| Sum insured or maximum indemnity per loss for home technology | as stated in the policy schedule | „Schäden an der versicherten Anlage (F 1.) ersetzen wir auf Neuwertbasis (B 1.1.1).“ | F 5. a., page 41 |
| All-risks cover (any unforeseen damage unless excluded) | yes | „Dann leisten wir unabhängig von der Ursache Entschädigung für den Schaden, den sie an …“ | F 2.2, page 40 |
| Indemnity at replacement value (new for old) | yes | „Schäden an der versicherten Anlage (F 1.) ersetzen wir auf Neuwertbasis (B 1.1.1).“ | F 5. a., page 41 |
| New-for-old deduction or current value rule above a certain age | not addressed | ||
| Maximum age of the equipment at inception | not addressed | ||
| Insured location: building and plot, including outdoor units (outdoor unit, wallbox in carport) | yes | „Anlagen der Solarthermie, die auf dem Dach der versicherten Gebäude angebracht oder in …“ | F 1. a., page 40 |
| Can be taken out without buildings insurance with the same insurer | no | „Ihre Wohngebäudeversicherung ist der Hauptvertrag. Wenn sie endet, endet auch der …“ | F 8., page 41 |
Insured equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Heat pump (air, brine, water) including outdoor unit | yes, up to the sum insured | „Sonstige Wärmepumpenanlagen.“ | F 1. c., page 40 |
| Ground probes, ground collectors and wells of the heat pump | yes, up to the sum insured | „Anlagen der Geothermie mit höchstens 400 Meter Tiefe je Bohrung.“ | F 1. b., page 40 |
| Heating system (boiler, burner, pellet system, controls) | not addressed | ||
| Solar thermal system | yes, up to the sum insured | „Anlagen der Solarthermie, die auf dem Dach der versicherten Gebäude angebracht oder in …“ | F 1. a., page 40 |
| Air conditioning and ventilation with heat recovery | not addressed | ||
| Wallbox and charging station for electric vehicles | not addressed | ||
| Battery storage, also without a PV system | not addressed | ||
| Smart home systems, bus systems and fixed controls | not addressed | ||
| Intruder, fire alarm and video systems, door intercoms | not addressed | ||
| Electrical installation, meter cabinet, distribution boards | not addressed | ||
| Water technology (pumps, lifting stations, softeners, pool and cistern technology) | not addressed | ||
| Electric drives (garage door, shutters, awnings, lift, stairlift) | not addressed | ||
| PV system covered within the same module | no | „Für Photovoltaikanlagen und die dazugehörigen Komponenten können Sie in der …“ | A 1.1, page 11 |
| Built-in household appliances (fitted kitchen, water heaters) | not addressed |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Operating error, clumsiness, negligence | yes, up to the sum insured | „Bedienungsfehler, Ungeschicklichkeit.“ | F 2.2 a., page 40 |
| Malicious acts of third parties, sabotage, vandalism | yes, up to the sum insured | „Vorsatz anderer Personen.“ | F 2.2 b., page 40 |
| Short circuit, overcurrent, overvoltage (also without lightning) | yes, up to the sum insured | „Kurzschluss, Überstrom und Überspannung.“ | F 2.2 e., page 40 |
| Lightning-induced surge | yes, up to the sum insured | „Kurzschluss, Überstrom und Überspannung.“ | F 2.2 e., page 40 |
| Mechanical breakdown: design, material and workmanship defects, failure of control and safety devices | yes, up to the sum insured | „Konstruktions-, Material- oder Ausführungsfehler.“ | F 2.2 c., page 40 |
| Electronic damage to control boards and inverters without external cause | no | „Nicht versichert sind Schäden an elektronischen Austauscheinheiten, die ohne äußere …“ | F 4. b., page 41 |
| Animal bites (martens, rodents) to cables and equipment | yes, up to the sum insured | „Dann leisten wir unabhängig von der Ursache Entschädigung für den Schaden, den sie an …“ | F 2.2, page 40 |
| Frost, ice, snow load on outdoor equipment | yes, up to the sum insured | „Wasser, Feuchtigkeit, Frost.“ | F 2.2 i., page 40 |
| Water, moisture, condensation, flooding to the equipment | yes, up to the sum insured | „Wasser, Feuchtigkeit, Frost.“ | F 2.2 i., page 40 |
| Theft, burglary and robbery of the equipment or parts (incl. outdoor unit, wallbox) | yes, up to the sum insured | „Kommt Ihre Anlage abhanden, leisten wir Entschädigung, wenn dies durch Diebstahl …“ | F 2.1, page 40 |
| Software errors, data loss and restoring programs and settings | yes, up to the sum insured | „Softwarefehler.“ | F 2.2 d., page 40 |
| Loss of refrigerant, brine and operating fluids after an insured loss | not addressed | ||
| Fire, storm, hail and water pipe damage to home technology (basic perils) | no | „Soweit Sie schon anderweitig Versicherungsschutz haben, sind nicht versichert Schäden …“ | F 4. d. aa., page 41 |
Costs and consequential losses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repair costs including labour, call-out and spare parts | yes, up to the sum insured | „Dabei wird die Entschädigung wie unter B 1.1.2 beschrieben errechnet.“ | F 5. a., page 41 |
| Fault-finding costs, also if no insured damage is found | not addressed | ||
| Clearance, disposal, dismantling and reinstallation costs | not addressed | ||
| Costs for crane, scaffolding, earthworks and drilling (ground probes) | not addressed | ||
| Extra costs for express freight, overtime and holiday work | not addressed | ||
| Extra costs for temporary heating or higher energy consumption after a loss | yes, up to the sum insured | „Wir ersetzen je nachgewiesenem Ausfalltag eine Pauschale von 5 Euro.“ | F 3., page 41 |
| Additional electricity, water or gas consumption due to leakage or defect | not addressed | ||
| Consequential damage to the building from leaking fluids (brine, refrigerant, oil) | not addressed | ||
| Extra costs for a more efficient or technically improved replacement | not addressed | ||
| Extra costs due to regulatory requirements (e.g. refrigerant ban) | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of wear, tear and ageing | yes | „Alterung oder betriebsbedingte Abnutzung, sofern sie alleinige Ursache des Schadens sind.“ | F 4. c. bb., page 41 |
| Exclusion of wearing parts and consumables (filters, fuses, seals) | not addressed | ||
| Exclusion where manufacturer or installer is liable under warranty or guarantee | not addressed | ||
| Exclusion of corrosion, scale, deposits and sludge | yes | „Korrosion oder Abzehrungen.“ | F 4. c. cc., page 41 |
| Exclusion of defects known or knowable at inception | not addressed | ||
| Exclusion during trial operation, installation and before acceptance | yes | „Außerdem muss sie betriebsfertig sein.“ | F 1., page 40 |
| Reduction for gross negligence (covered=true means waiver) | yes | „Führen Sie den Schaden grob fahrlässig herbei, verzichten wir auf die gesetzlich …“ | A 1.2.3, page 12 |
| Exclusion of flood, earthquake and other natural perils for home technology | yes | „Sturmflut; nicht naturbedingte Erdsenkung; Grundwasser, das von anderen Gewässern …“ | F 4. c. aa., page 41 |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Installation by a qualified contractor required | yes | „Der Versicherungsschutz setzt voraus, dass die Anlage von einem Fachbetrieb montiert …“ | F 1., page 40 |
| Regular maintenance by a qualified contractor with proof required | yes | „Lassen Sie die versicherten Anlagen durch einen Fachbetrieb warten, der für das …“ | F 6., page 41 |
| Theft protection requirements for the outdoor unit (anchoring, fencing) | not addressed | ||
| Surge protection required | not addressed | ||
| Requirements during vacancy and frost period (heating, draining, checks) | yes | „Beheizen Sie alle Gebäude und Gebäudeteile in der kalten Jahreszeit und kontrollieren …“ | B 3.2.1 a., page 28 |
| Deadline for notifying claims and duty to keep damaged parts | yes | „Zeigen Sie uns den Schaden unverzüglich an, nachdem Sie von ihm Kenntnis erlangt haben.“ | B 3.3.1 b., page 29 |
Deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim (fixed amount or percentage) | none | „Ist für die Wohngebäudeversicherung eine Selbstbeteiligung vereinbart? Dann wenden wir …“ | F 5. b., page 41 |
| Waiting period after inception | not addressed | ||
| Annual aggregate limit or limited number of claims per year | not addressed | ||
| Term, cancellation and cancellation after a claim | yes | „Sie können den Versicherungsschutz nach Abschnitt F aber auch unabhängig vom …“ | F 8., page 41 |
| Sum adjustment or waiver of underinsurance | not addressed | ||
| Subsidiarity to other contracts (buildings insurance, warranty insurance) | yes | „Dabei spielt es keine Rolle, ob der anderweitige Versicherungsschutz bei uns oder bei …“ | F 4. d., page 41 |
| Emergency or tradesman service (arranging the repair) | 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
- HUK24 AG
- Distribution
- direct from the insurer only
- Allgemeine Versicherungsbedingungen für die Wohngebäudeversicherung (VGB 2026) mit Kundeninformation Edition: VGB 2026, Stand 01.05.2026 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 HUK24 Solar-,
Geothermie- und Wärmepumpen and available as plain text.
Volltext HUK24 Solar-, Geothermie- und Wärmepumpen Wärmepumpe und Haustechnik · As text (Markdown) HUK24 Solar-, Geothermie- und Wärmepumpen Home systems