Insurance broker / Heat pump and home systems insurance / Policy wording archive Heat pump insurance
WWK Baustein: the policy wording in full
Abschnitt A7 Haustechnik der WWK Wohngebäudeversicherung: ergänzende technische Gefahren und Diebstahl für Heizungstechnik mit Wärmepumpe, Klima, Wallbox, Smart Home, Antriebe und Pooltechnik mit 150 EUR Selbstbeteiligung, ohne Photovoltaik und Batteriespeicher.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.97 out of 5 stars from 5,048 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with WWK.
- AI has advised
- 2Your details
- Application to WWK
Thank you, we have your application.
We prepare it with WWK and get back to you with the documents.
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 WWK Baustein.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract form: standalone home technology or heat pump policy, or add-on to buildings insurance | no | „Sofern Sie Haustechnik zu Ihrer Wohngebäudeversicherung“ | A7 Vorbemerkung, page 44 |
| Sum insured or maximum indemnity per loss for home technology | as stated in the policy schedule | ||
| All-risks cover (any unforeseen damage unless excluded) | yes | „unvorhergesehen eintretende Beschädigungen oder Zerstörungen von versicherten Sachen …“ | A7-2.2.1, page 44 |
| Indemnity at replacement value (new for old) | yes | „Entschädigt wird der Neuwert abzüglich des Wertes des Altmaterials zuzüglich Bezugskosten“ | A7-3.3, page 46 |
| New-for-old deduction or current value rule above a certain age | yes | „für die versicherte Sache serienmäßig hergestellte Ersatzteile nicht mehr zu beziehen …“ | A7-3.4.2, page 46 |
| Maximum age of the equipment at inception | not addressed | ||
| Insured location: building and plot, including outdoor units (outdoor unit, wallbox in carport) | yes | „bäude oder auf dem im Versicherungsschein bezeichneten Grundstück.“ | A7-1.1, page 44 |
| Can be taken out without buildings insurance with the same insurer | no | „Mit Beendigung des Hauptvertrages erlischt auch die Vereinbarung über die …“ | A7-7, page 47 |
Insured equipment
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Heat pump (air, brine, water) including outdoor unit | yes, up to the sum insured | „Brenner, Pumpen, Wärmepumpen, Steuerungs-, Mess- und Regeleinheiten von Heizungsanlagen …“ | A7-1.1.1, page 44 |
| Ground probes, ground collectors and wells of the heat pump | not addressed | ||
| Heating system (boiler, burner, pellet system, controls) | yes, up to the sum insured | „Brenner, Pumpen, Wärmepumpen, Steuerungs-, Mess- und Regeleinheiten von Heizungsanlagen …“ | A7-1.1.1, page 44 |
| Solar thermal system | yes, up to the sum insured | „Solaranlagen zur Brauchwassererwärmung;“ | A7-1.1.8, page 44 |
| Air conditioning and ventilation with heat recovery | yes, up to the sum insured | „stationäre Klimaanlagen;“ | A7-1.1.2, page 44 |
| Wallbox and charging station for electric vehicles | yes, up to the sum insured | „Elektroladestationen und Wallboxen (für Elektrofahrzeuge aller Art);“ | A7-1.1.11, page 44 |
| Battery storage, also without a PV system | no | „einschließlich Akkuspeichersysteme bzw. Batteriespeicher“ | A7-1.2.1, page 44 |
| Smart home systems, bus systems and fixed controls | yes, up to the sum insured | „Bussysteme, Anlagen und Geräte der Smart-Home-Technik, soweit diese fest mit dem …“ | A7-1.1.10, page 44 |
| Intruder, fire alarm and video systems, door intercoms | yes, up to the sum insured | „elektronische Türöffner, Alarm-, Video- und Gegensprechanlagen, Klingelanlagen;“ | A7-1.1.6, page 44 |
| Electrical installation, meter cabinet, distribution boards | not addressed | ||
| Water technology (pumps, lifting stations, softeners, pool and cistern technology) | yes, up to the sum insured | „technische Anlagen für Schwimmbecken (auch Whirlpoos), Schwimmteiche und Saunen“ | A7-1.1.12, page 44 |
| Electric drives (garage door, shutters, awnings, lift, stairlift) | yes, up to the sum insured | „elektrische Antriebe von Rolläden, Jalousien, Markisen, Garagen und Rolltoren, Fenstern“ | A7-1.1.5, page 44 |
| PV system covered within the same module | no | „insbesondere Photovoltaikanlagen und sonstige Anlagen der Stromerzeugung“ | A7-1.2.1, page 44 |
| Built-in household appliances (fitted kitchen, water heaters) | no | „Haushaltesgeräte wie Kühlschränke, Waschmaschinen, Musikanlagen“ | A7-1.2.10, page 44 |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Operating error, clumsiness, negligence | yes, up to the sum insured | „Bedienungsfehler, Ungeschicklichkeit oder Vorsatz Dritter;“ | A7-2.2.3.1, page 45 |
| Malicious acts of third parties, sabotage, vandalism | yes, up to the sum insured | „Bedienungsfehler, Ungeschicklichkeit oder Vorsatz Dritter;“ | A7-2.2.3.1, page 45 |
| Short circuit, overcurrent, overvoltage (also without lightning) | yes, up to the sum insured | „Kurzschluss, Überstrom oder Überspannung;“ | A7-2.2.3.3, page 45 |
| 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;“ | A7-2.2.3.2, page 45 |
| Electronic damage to control boards and inverters without external cause | no | „Entschädigung für elektronische Bauelemente (Bauteile) der ve-“ | A7-2.3, page 45 |
| Animal bites (martens, rodents) to cables and equipment | yes, up to the sum insured | „Tierverbiss.“ | A7-2.2.3.11, page 45 |
| Frost, ice, snow load on outdoor equipment | yes, up to the sum insured | „Sturm, Frost, Eisgang, Überschwemmung;“ | A7-2.2.3.6, page 45 |
| Water, moisture, condensation, flooding to the equipment | yes, up to the sum insured | „Wasser, Feuchtigkeit;“ | A7-2.2.3.5, page 45 |
| Theft, burglary and robbery of the equipment or parts (incl. outdoor unit, wallbox) | yes, up to the sum insured | „bei Abhandenkommen versicherter Sachen durch eine“ | A7-2.2.2, page 44 |
| Software errors, data loss and restoring programs and settings | yes, up to the sum insured | „Kosten für die Wiederherstellung des Betriebssystems,“ | A7-3.2.1.5, page 46 |
| Loss of refrigerant, brine and operating fluids after an insured loss | no | „Verbrauchsmaterialien und Arbeitsmittel, z.B. Kühl- und Löschmittel;“ | A7-1.2.7, page 44 |
| Fire, storm, hail and water pipe damage to home technology (basic perils) | no | „soweit diese Gefahren nicht nach A1-3 bis A1-5 versicherbar sind.“ | A7-2.1, page 44 |
Costs and consequential losses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repair costs including labour, call-out and spare parts | yes, up to the sum insured | „Lohnkosten und lohnabhängige Kosten, auch übertarifliche Lohnanteile und Zulagen“ | A7-3.2.1.2, page 46 |
| Fault-finding costs, also if no insured damage is found | not addressed | ||
| Clearance, disposal, dismantling and reinstallation costs | yes, up to the sum insured | „Aufräumungs-, Dekontaminations- und Entsorgungskosten,“ | A7-3.5.1.1, page 46 |
| Costs for crane, scaffolding, earthworks and drilling (ground probes) | yes, up to the sum insured | „Kosten für Erd-, Pflaster-, Maurer- und Stemmarbeiten,“ | A7-3.5.1.4, page 46 |
| Extra costs for express freight, overtime and holiday work | yes, up to the sum insured | „Transportkosten einschließlich Mehrkosten für Expressfrachten;“ | A7-3.2.1.4, page 46 |
| Extra costs for temporary heating or higher energy consumption after a loss | yes, up to the sum insured | „Kosten für Gerüstgestellung, Bergungsarbeiten oder Bereitstellung eines Provisoriums,“ | A7-3.5.1.5, page 46 |
| 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 | no | „Mehrkosten durch Änderungen oder Verbesserungen, die über die Wiederherstellungskosten …“ | A7-3.2.3.2, page 46 |
| 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 | „durch betriebsbedingte normale oder vorzeitige Abnutzung,“ | A7-2.4.2, page 45 |
| Exclusion of wearing parts and consumables (filters, fuses, seals) | yes | „z.B. Sicherungen, Lichtquellen, LED, nicht wieder aufladbare Batterien“ | A7-1.2.9, page 44 |
| Exclusion where manufacturer or installer is liable under warranty or guarantee | yes | „soweit für den Versicherungsnehmer ein Dritter als“ | A7-2.4.4, page 45 |
| Exclusion of corrosion, scale, deposits and sludge | yes | „korrosive Angriffe oder Abzehrungen oder“ | A7-2.4.2, page 45 |
| Exclusion of defects known or knowable at inception | yes | „durch Mängel, die bei Abschluss der Versicherung bereits vorhanden waren“ | A7-2.4.1, page 45 |
| Exclusion during trial operation, installation and before acceptance | yes | „nannten betriebsfertigen elektronischen und elektrotechnischen Anlagen der Haustechnik“ | A7-1.1, page 44 |
| Reduction for gross negligence (covered=true means waiver) | not addressed | ||
| Exclusion of flood, earthquake and other natural perils for home technology | none | „Sturm, Frost, Eisgang, Überschwemmung;“ | A7-2.2.3.6, page 45 |
Obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Installation by a qualified contractor required | not addressed | ||
| Regular maintenance by a qualified contractor with proof required | yes | „Vorschriften und Hinweise zur Installation, Wartung und Pflege der versicherten Anlage“ | A7-5.1, page 47 |
| 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 | „Der Versicherungsnehmer hat den Diebstahl unverzüglich der Polizei anzuzeigen.“ | A7-2.2.2.1, page 45 |
Deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim (fixed amount or percentage) | EUR 150 | „um eine Selbstbeteiligung von 150 EUR gekürzt.“ | A7-3.7, page 46 |
| 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 | „einer Frist von einem Monat die Vereinbarung über die Zusatzbedingungen Haustechnik“ | A7-6, page 47 |
| Sum adjustment or waiver of underinsurance | no | „Liegt Unterversicherung vor, finden die Regelungen nach A1-17.8 Anwendung.“ | A7-3.6, page 46 |
| 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- WWK Allgemeine Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Bedingungen WWK Wohngebäudeversicherung Edition: VGB 2024, Stand 01.01.2025 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 WWK Baustein and available as plain text.
Volltext WWK Baustein Wärmepumpe und Haustechnik · As text (Markdown) WWK Baustein Home systems