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VHV Wärmepumpenversicherung: the policy wording in full
Eigenständige Elektronikversicherung für Wärmepumpen nach ABE 2011 mit Kosten bis 50.000 EUR je Kostenart, Ersatzwärme und GAP-Deckung, ohne Erdsonden und Heizkessel, mit Abzug ab fünf Jahren Gerätealter.
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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 VHV Wärmepumpenversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: standalone home technology or heat pump policy, or add-on to buildings insurance | yes | „Besondere Vereinbarung zur Elektronikversicherung von Wärmepumpen“ | Kopf, page 1 |
| Sum insured or maximum indemnity per loss for home technology | as stated in the policy schedule | „Für die Bildung der Versicherungssumme ist die Investitionssumme zum Zeitpunkt der …“ | 3, page 1 |
| All-risks cover (any unforeseen damage unless excluded) | yes | „infolge eines dem Grunde nach Abschnitt A § 2 ABE 2011 versicherten Schadens …“ | 6.1, page 2 |
| Indemnity at replacement value (new for old) | yes | „Der Versicherer leistet Entschädigung gemäß Abschnitt A § 7 ABE 2011.“ | 7.1, page 2 |
| New-for-old deduction or current value rule above a certain age | yes | „ab einem Gerätealter von fünf Jahren wird die Entschädigung nach Abschnitt A § 7 ABE …“ | 7.3, 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 | „Versicherungsschutz besteht innerhalb der im Versicherungsvertrag genannten Standorte.“ | 2, page 1 |
| Can be taken out without buildings insurance with the same insurer | yes | „Vertragsgrundlage bilden die „Allgemeinen Bedingungen für die Elektronikversicherung …“ | Vorbemerkung, page 1 |
Insured equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Heat pump (air, brine, water) including outdoor unit | yes, up to the sum insured | „Unter den Versicherungsschutz fallen sämtliche zur stationär installierten Wärmepumpe …“ | 1.1, page 1 |
| Ground probes, ground collectors and wells of the heat pump | no | „Erdwärmekollektoren“ | 1.2 e), page 1 |
| Heating system (boiler, burner, pellet system, controls) | no | „Heizkessel und Heizkörper mit den zugehörigen Leitungen“ | 1.2 a), page 1 |
| Solar thermal system | not addressed | ||
| 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) | no | „Bestandteile der Warm- und Kaltwasserversorgung“ | 1.2 b), page 1 |
| Electric drives (garage door, shutters, awnings, lift, stairlift) | not addressed | ||
| PV system covered within the same module | not addressed | ||
| 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 | not addressed | ||
| Animal bites (martens, rodents) to cables and equipment | not addressed | ||
| Frost, ice, snow load on outdoor equipment | not addressed | ||
| Water, moisture, condensation, flooding to the equipment | not addressed | ||
| Theft, burglary and robbery of the equipment or parts (incl. outdoor unit, wallbox) | yes, up to the sum insured | „beschädigt, zerstört oder entwendet werden.“ | 6.1, page 2 |
| Software errors, data loss and restoring programs and settings | yes, up to EUR 30,000 | „Mitversichert gelten Kosten für die Wiederherstellung von Daten des Betriebssystems …“ | 4.2 d), page 1 |
| Loss of refrigerant, brine and operating fluids after an insured loss | no | „Flüssigkeiten jeglicher Art“ | 1.2 d), page 1 |
| 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 | yes, up to the sum insured | „Fahrt- und Montagekosten werden nach Abschnitt A § 7 ABE 2011 ersetzt.“ | 7.3, page 2 |
| Fault-finding costs, also if no insured damage is found | yes, up to EUR 30,000 | „Mitversichert gelten anfallende Kosten, um die Schadenursache zu lokalisieren bzw …“ | 4.2 b), page 1 |
| Clearance, disposal, dismantling and reinstallation costs | yes, up to EUR 50,000 | „Für die im Abschnitt A § 6 Abs. 3 ABE 2011 genannten Kostenarten ersetzt der …“ | 4.1, page 1 |
| 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 2,500 | „Die Entschädigungsleistung beträgt zusammen maximal 20 EUR je Ausfalltag.“ | 7.5, 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) | yes, up to EUR 30,000 | „Mitversichert gelten nachweislich erforderliche Arbeiten am Gebäude, die als Folge der …“ | 4.2 c), page 1 |
| Extra costs for a more efficient or technically improved replacement | yes, up to the sum insured | „Ersetzt werden die vom Schaden betroffenen Anlagenteile durch Anlagenteile der …“ | 7.2, page 2 |
| 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 | „Nicht versichert sind Kosten für Schäden als Folge von dauernden, voraussehbaren …“ | 5, page 1 |
| 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 | not addressed | ||
| Reduction for gross negligence (covered=true means waiver) | not addressed | ||
| Exclusion of flood, earthquake and other natural perils for home technology | none | „leistet der Versicherer auch Entschädigung für Schäden, die während der Dauer von …“ | 6.2, page 2 |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Installation by a qualified contractor required | yes | „Die Installation muss den anerkannten Regeln der Technik entsprechen.“ | Vorbemerkung, page 1 |
| Regular maintenance by a qualified contractor with proof required | yes | „Abgeschlossene Wartungsverträge zwischen Versicherungsnehmer und Gerätehersteller bzw …“ | 12.2, page 3 |
| 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 | yes | „Die beschädigten Teile sind zur Beweissicherung aufzubewahren.“ | 7.4, page 2 |
Deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim (fixed amount or percentage) | yes, up to the sum insured | „je Versicherungsfall um den vertraglich vereinbarten Selbstbehalt gekürzt.“ | 8, page 2 |
| 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 | yes | „Entschädigt werden auch kurzfristige Preissteigerungen zwischen Schadentag und …“ | 7.1, page 2 |
| Subsidiarity to other contracts (buildings insurance, warranty insurance) | yes | „Der Versicherer leistet keine Entschädigung, soweit für den Versicherungsfall eine …“ | 9, page 2 |
| 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- VHV Allgemeine Versicherung AG, VHV Vereinigte Hannoversche Versicherung a.G.
- Distribution
- brokers and direct
- Besondere Vereinbarung zur Elektronikversicherung von Wärmepumpen Edition: Stand 06.2023 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 VHV Wärmepumpenversicherung and available as plain text.
Volltext VHV Wärmepumpenversicherung Wärmepumpe und Haustechnik · As text (Markdown) VHV Wärmepumpenversicherung Home systems