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Ostangler Baustein Energietechnik: the policy wording in full
Baustein Energietechnik zur Ostangler Wohngebäudeversicherung nach ABE 2011 für Photovoltaik, Solarstromspeicher, Wallbox sowie auf Vereinbarung Solarthermie, Geothermie und Wärmepumpen bis 40 kW mit Grenzen je Anlage.
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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 Ostangler Baustein Energietechnik.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: standalone home technology or heat pump policy, or add-on to buildings insurance | no | „Sofern Sie den Baustein der Energietechnik vereinbart haben gelten hierfür die ABE 2011 …“ | Vorbemerkung, page 1 |
| Sum insured or maximum indemnity per loss for home technology | yes, up to EUR 50,000 | „Die Entschädigung ist je Versicherungsfall und je versicherter Anlage begrenzt auf …“ | Solar- und Geothermie, page 2 |
| All-risks cover (any unforeseen damage unless excluded) | not addressed | ||
| Indemnity at replacement value (new for old) | not addressed | ||
| New-for-old deduction or current value rule above a certain age | yes | „Die maximale Versicherungsdauer beträgt 15 Jahre ab Inbetriebnahme.“ | Solar- und Geothermie, page 2 |
| Maximum age of the equipment at inception | not addressed | ||
| Insured location: building and plot, including outdoor units (outdoor unit, wallbox in carport) | yes | „sofern diese auf dem Grundstück fest verbaut sind.“ | Ladestation, page 1 |
| Can be taken out without buildings insurance with the same insurer | no | „Ergänzend zu den Vertragsunterlagen der Wohngebäudeversicherung“ | Ladestation, page 1 |
Insured equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Heat pump (air, brine, water) including outdoor unit | yes, up to EUR 50,000 | „Sonstige Wärmepumpenanlagen bis zu einer Spitzenleistung von 40 kW einschließlich der …“ | Solar- und Geothermie c), page 2 |
| Ground probes, ground collectors and wells of the heat pump | yes, up to EUR 50,000 | „Anlagen der Geothermie mit höchstens 150 Meter Tiefe je Bohrung,“ | Solar- und Geothermie b), page 2 |
| Heating system (boiler, burner, pellet system, controls) | yes, up to the sum insured | „einschließlich der damit verbundenen Heizungsanlagen der im Versicherungsvertrag …“ | Solar- und Geothermie c), page 2 |
| Solar thermal system | yes, up to EUR 50,000 | „Anlagen der Solarthermie,“ | Solar- und Geothermie a), page 2 |
| Air conditioning and ventilation with heat recovery | not addressed | ||
| Wallbox and charging station for electric vehicles | yes, up to EUR 5,000 | „Die Entschädigungsgrenze ist je Versicherungsfall auf 5.000 EUR begrenzt.“ | Ladestation, page 2 |
| Battery storage, also without a PV system | yes, up to EUR 15,000 | „Die Entschädigungsleistung ist je Versicherungsfall auf 15.000 EUR begrenzt.“ | Solarstromspeicher, page 1 |
| 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 | yes, up to EUR 30,000 | „Die Entschädigung ist je Versicherungsfall auf 30.000,- EUR begrenzt.“ | Photovoltaikanlagen, page 1 |
| Built-in household appliances (fitted kitchen, water heaters) | not addressed |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Operating error, clumsiness, negligence | not addressed | ||
| Malicious acts of third parties, sabotage, vandalism | not addressed | ||
| Short circuit, overcurrent, overvoltage (also without lightning) | not addressed | ||
| Lightning-induced surge | not addressed | ||
| Mechanical breakdown: design, material and workmanship defects, failure of control and safety devices | not addressed | ||
| Electronic damage to control boards and inverters without external cause | yes, up to the sum insured | „zusätzlichen Versicherungsschutz für Elektronikschäden für Ladestationen“ | Ladestation, page 1 |
| Animal bites (martens, rodents) to cables and equipment | not addressed | ||
| Frost, ice, snow load on outdoor equipment | no | „Abweichend von den ABE sind bei diesen Modulen Schäden, die durch Schneedruck …“ | Photovoltaikanlagen, page 1 |
| Water, moisture, condensation, flooding to the equipment | not addressed | ||
| Theft, burglary and robbery of the equipment or parts (incl. outdoor unit, wallbox) | not addressed | ||
| Software errors, data loss and restoring programs and settings | not addressed | ||
| 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) | not addressed |
Costs and consequential losses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repair costs including labour, call-out and spare parts | not addressed | ||
| 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 EUR 2,000 | „die Mietkosten einer kurzfristig zur Verfügung gestellten mobilen Anlage sowie …“ | Solar- und Geothermie, page 2 |
| 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 | not addressed | ||
| 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 | not addressed | ||
| Exclusion of defects known or knowable at inception | not addressed | ||
| Exclusion during trial operation, installation and before acceptance | yes | „Außerdem muss sie betriebsfertig sein.“ | Solar- und Geothermie, page 2 |
| Reduction for gross negligence (covered=true means waiver) | not addressed | ||
| Exclusion of flood, earthquake and other natural perils for home technology | not addressed |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Installation by a qualified contractor required | yes | „Voraussetzung für den Versicherungsschutz ist, dass die Anlage von einem Fachbetrieb …“ | Solar- und Geothermie, page 2 |
| Regular maintenance by a qualified contractor with proof required | yes | „Es sind die jährlichen Wartungsintervalle und Dichtheitsprüfungen gem. den gesetzlichen …“ | Solar- und Geothermie, page 2 |
| 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) | not addressed | ||
| Deadline for notifying claims and duty to keep damaged parts | not addressed |
Deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim (fixed amount or percentage) | EUR 150 | „Generell gilt eine Selbstbeteiligung von 150,- EUR je Schadensfall.“ | Vorbemerkung, page 1 |
| 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 | not addressed | ||
| Sum adjustment or waiver of underinsurance | not addressed | ||
| Subsidiarity to other contracts (buildings insurance, warranty insurance) | not addressed | ||
| 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
- Ostangler Brandgilde, Versicherungsverein auf Gegenseitigkeit (VVaG), GVV Privatversicherung / Ostangler / ARAG Tarifmarke
- Distribution
- brokers and direct
- Bedingungen Energietechnik (Baustein zur Wohngebäudeversicherung, ABE 2011) Edition: OAB_Bed_VGV-Energie_2.1, ABE 2011 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 Ostangler Baustein Energietechnik and available as plain text.
Volltext Ostangler Baustein Energietechnik Wärmepumpe und Haustechnik · As text (Markdown) Ostangler Baustein Energietechnik Home systems