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VGH Baustein technische Anlagen: the policy wording in full
Baustein B-3 der VGH Wohngebäudeversicherung als Allgefahrendeckung für Photovoltaik, Solarthermie und Wärmepumpe sowie haustechnische Anlagen wie Wallbox, Smart Home und Aufzug, diese bis 10.000 EUR je Fall, Selbstbeteiligung mindestens 250 EUR.
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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 VGH Baustein technische Anlagen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: standalone home technology or heat pump policy, or add-on to buildings insurance | no | „In Erweiterung von A-1 leistet der Versicherer auch Entschädigung für“ | B-3.2, page 42 |
| Sum insured or maximum indemnity per loss for home technology | yes, up to EUR 10,000 | „Für haustechnische Anlagen ist die Entschädigung einschließlich der Folgekosten“ | B-3.1.2, page 41 |
| All-risks cover (any unforeseen damage unless excluded) | yes | „bei unvorhergesehen eintretenden Beschädigungen oder Zerstörungen von versicherten Sachen“ | B-3.2.1, page 42 |
| Indemnity at replacement value (new for old) | yes | „Abweichend von A-12.7 ist die Entschädigungsleistung für Schäden gemäß B-3.2.1 und …“ | B-3.4, page 43 |
| New-for-old deduction or current value rule above a certain age | yes | „der Zeitwert am Schadentag weniger als 40 Prozent des Neuwertes beträgt“ | B-3.4.1, page 43 |
| Maximum age of the equipment at inception | not addressed | ||
| Insured location: building and plot, including outdoor units (outdoor unit, wallbox in carport) | yes | „Das Gleiche gilt für versicherte Anlagen, die sich außerhalb der genannten Gebäude auf …“ | B-3.3.1, page 43 |
| Can be taken out without buildings insurance with the same insurer | no | „In Erweiterung von A-1 leistet der Versicherer auch Entschädigung für“ | B-3.2, page 42 |
Insured equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Heat pump (air, brine, water) including outdoor unit | yes, up to the sum insured | „Wärmepumpenanlagen“ | B-3.1.1, page 41 |
| Ground probes, ground collectors and wells of the heat pump | not addressed | ||
| Heating system (boiler, burner, pellet system, controls) | no | „Heizkessel und Heizkörper (auch Fußboden-, Wand-, Decken- und sonstige …“ | B-3.1.5, page 42 |
| Solar thermal system | yes, up to the sum insured | „Solarthermieanlagen“ | B-3.1.1, page 41 |
| Air conditioning and ventilation with heat recovery | not addressed | ||
| Wallbox and charging station for electric vehicles | yes, up to EUR 10,000 | „Ladestationen und Wall-Boxen“ | B-3.1.2, page 41 |
| Battery storage, also without a PV system | yes, up to the sum insured | „Wechselrichter, Akkumulatoren (Batteriespeicher) und Verkabelung.“ | B-3.1.4, page 42 |
| Smart home systems, bus systems and fixed controls | yes, up to EUR 10,000 | „Smart-Home-Anlagen inkl. Panel-PC“ | B-3.1.2, page 41 |
| Intruder, fire alarm and video systems, door intercoms | yes, up to EUR 10,000 | „Klingel-, Gegensprech- und Videoanlagen“ | B-3.1.2, page 41 |
| Electrical installation, meter cabinet, distribution boards | not addressed | ||
| Water technology (pumps, lifting stations, softeners, pool and cistern technology) | no | „Abwasseranlagen und -rohre“ | B-3.1.5, page 42 |
| Electric drives (garage door, shutters, awnings, lift, stairlift) | yes, up to EUR 10,000 | „Steuerungen von Gebäude- und Grundstückszugängen wie Garagentoren und Schrankenanlagen“ | B-3.1.2, page 41 |
| PV system covered within the same module | yes | „Photovoltaikanlagen bis zu einer Gesamtleistung von 50 kWp“ | B-3.1.1, page 41 |
| 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 oder Vorsatz Dritter;“ | B-3.2.1.1, page 42 |
| Malicious acts of third parties, sabotage, vandalism | yes, up to the sum insured | „Bedienungsfehler, Ungeschicklichkeit oder Vorsatz Dritter;“ | B-3.2.1.1, page 42 |
| Short circuit, overcurrent, overvoltage (also without lightning) | yes, up to the sum insured | „Kurzschluss, Überstrom oder Überspannung;“ | B-3.2.1.3, page 42 |
| Lightning-induced surge | not addressed | ||
| Mechanical breakdown: design, material and workmanship defects, failure of control and safety devices | yes, up to the sum insured | „Konstruktions-, Material- oder Ausführungsfehler;“ | B-3.2.1.2, page 42 |
| Electronic damage to control boards and inverters without external cause | no | „wird nur geleistet, wenn eine versicherte Gefahr nachweislich von außen“ | B-3.2.2, page 42 |
| Animal bites (martens, rodents) to cables and equipment | yes, up to the sum insured | „Tiere, z. B. Marderbiss.“ | B-3.2.1.10, page 42 |
| Frost, ice, snow load on outdoor equipment | yes, up to the sum insured | „Frost, Schneedruck;“ | B-3.2.1.9, page 42 |
| Water, moisture, condensation, flooding to the equipment | yes, up to the sum insured | „Wasser, Feuchtigkeit;“ | B-3.2.1.5, page 42 |
| Theft, burglary and robbery of the equipment or parts (incl. outdoor unit, wallbox) | yes, up to the sum insured | „durch Diebstahl, Einbruchdiebstahl, Raub oder Plünderung.“ | B-3.2.1, page 42 |
| Software errors, data loss and restoring programs and settings | no | „Daten und Programme“ | B-3.1.5, page 42 |
| Loss of refrigerant, brine and operating fluids after an insured loss | no | „Hilfs- und Betriebsstoffe“ | B-3.1.5, page 42 |
| 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 the sum insured | „Ersetzt werden Energiemehrkosten, wenn der Betrieb einer versicherten Anlage“ | B-3.2.3.1, page 42 |
| 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 | „betriebsbedingte normale oder betriebsbedingte vorzeitige Abnutzung oder Alterung.“ | B-3.3.2.10, page 43 |
| Exclusion of wearing parts and consumables (filters, fuses, seals) | yes | „sonstige Teile, die während der Lebensdauer der versicherten Sachen erfahrungsgemäß …“ | B-3.1.5, page 42 |
| Exclusion where manufacturer or installer is liable under warranty or guarantee | yes | „Umstände, für die ein Dritter als Lieferant (Hersteller oder Händler), Werkunternehmer …“ | B-3.3.2.12, page 43 |
| Exclusion of corrosion, scale, deposits and sludge | yes | „korrosive Angriffe oder Abzehrungen, Verderb sowie Mikroorganismen;“ | B-3.3.2.7, page 43 |
| Exclusion of defects known or knowable at inception | yes | „Mängel, die bei Abschluss der Versicherung bereits vorhanden waren“ | B-3.3.2.9, page 43 |
| Exclusion during trial operation, installation and before acceptance | yes | „Versichert sind die im Vertrag vereinbarten betriebsfertigen“ | B-3.1, page 41 |
| Reduction for gross negligence (covered=true means waiver) | not addressed | ||
| Exclusion of flood, earthquake and other natural perils for home technology | yes | „Erdbeben (sofern vereinbart, besteht hierfür Versicherungsschutz im Rahmen von B-6“ | B-3.3.2.3, page 43 |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Installation by a qualified contractor required | not addressed | ||
| Regular maintenance by a qualified contractor with proof required | yes | „die versicherten Anlagen stets im vom Hersteller empfohlenen Intervall“ | B-3.5.3, page 44 |
| 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 | „wegen Neu- oder Umbauarbeiten nicht bewohnbar“ | B-3.3.1, page 43 |
| 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 250 | „um die vereinbarte Selbstbeteiligung, mindestens jedoch um 250 EUR“ | B-3.6, page 44 |
| 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
- Landschaftliche Brandkasse Hannover, LBN Versicherungsverein a.G. (VVaG)
- Distribution
- through tied agents
- VGH Versicherungsbedingungen Wohngebäude Edition: VGB 2024 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 VGH Baustein technische Anlagen and available as plain text.
Volltext VGH Baustein technische Anlagen Wärmepumpe und Haustechnik · As text (Markdown) VGH Baustein technische Anlagen Home systems