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Hiscox Mundial Commercial by Hiscox: the policy wording in full
Allgefahrenversicherung für Gebäude, Hausrat und Kunst vermieteter Ferienimmobilien mit Mietausfall bis zum vereinbarten Jahresbruttomietwert und wählbarer Haus- und Grundbesitzerhaftpflicht.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Hiscox Mundial Commercial by
Hiscox.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Dedicated product for let holiday homes (not just an extension of personal liability, contents or buildings cover) | yes | „Es handelt sich um eine Gebäude-, Hausrat- und Kunstversicherung für vermietete …“ | Art der Versicherung, page 1 |
| Building blocks in one contract: liability, contents, buildings and loss of rent freely combinable | yes | „Über dieses Versicherungsprodukt können Ihr Gebäude, Hausrat und Ihre Kunst sowie Ihre …“ | Was ist versichert?, page 1 |
| Commercial letting (registered business, letting as main income) insurable | yes | „Es handelt sich um eine Gebäude-, Hausrat- und Kunstversicherung für vermietete …“ | Art der Versicherung, page 1 |
| Maximum number of units, beds or guests per contract | not addressed | ||
| Annual rental income cap up to which letting is covered | not addressed | ||
| Holiday property abroad insurable (countries verbatim) | not addressed | ||
| Policyholder need not live on site (second home, remote management) | not addressed | ||
| Owner's own use between lets covered | not addressed | ||
| Letting via booking platforms (Airbnb, Booking etc.) expressly included | not addressed |
Landlord liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for landlord liability (combined bodily injury and property damage) | not addressed | ||
| Bodily injury to guests (falls, scalding, defective fittings) | yes, up to the sum insured | „das einen Personen-, Sach- oder Vermögensschaden zur Folge hat, aufgrund gesetzlicher …“ | Was ist versichert? Haftpflicht, page 2 |
| Liability for damage caused by defective furnishings or appliances | not addressed | ||
| Damage to or loss of guests' belongings (innkeeper's liability) | not addressed | ||
| Duty to maintain safety of grounds, paths, winter clearing and outdoor areas | not addressed | ||
| Liability for pool, hot tub, sauna, play equipment and trampoline | not addressed | ||
| Liability from bicycles, e-bikes, boats or sports equipment lent to guests | not addressed | ||
| Loss of third-party keys and locking systems | not addressed | ||
| Water pollution liability from a heating oil tank on the property | not addressed | ||
| Environmental damage under public-law remediation duties | yes, up to EUR 5,000 | „für öffentlich-rechtliche Verantwortlichkeit zur Sanierung von Umweltschäden nach dem …“ | Deckungsbeschränkungen Haftpflicht, page 2 |
| Default cover when a liable guest or third party does not pay | not addressed |
Damage caused by guests
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage by guests to the furnishings (wine on the sofa, broken appliances) | not addressed | ||
| Damage by guests to the building or flat (floors, doors, sanitary) | not addressed | ||
| Vandalism and malicious damage by guests (without break-in) | yes, up to the sum insured | „Vandalismus Zufallsbedingte Beschädigung“ | Was ist versichert? Gebäude, page 1 |
| Theft by guests (simple theft without forced entry) | no | „Schäden durch Verlieren, Liegenlassen, unaufklärbares Abhandenkommen oder Diebstahl, es …“ | Was ist nicht versichert? Hausrat, page 1 |
| Damage caused by guests' pets | not addressed | ||
| Special cleaning after guest damage (smoke, vomit, pests) | not addressed | ||
| Exclusion of wear and tear from normal use | yes | „aus Schäden durch Abnutzung oder Verschleiß“ | Was ist nicht versichert? Haftpflicht, page 1 |
| Guest's deposit or liability insurance must be claimed first (subsidiarity) | not addressed | ||
| Waiver of recourse against the guest for slightly negligent damage | not addressed |
Contents and building
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for the holiday home contents | not addressed | ||
| Indemnity at replacement value (new for old) | yes | „ersetzen wir den Wiederbeschaffungspreis von Sachen gleicher Art und Güte in …“ | Was ist versichert? Hausrat, page 1 |
| Waiver of underinsurance | not addressed | ||
| Building of the holiday property insurable in the same contract | yes | „Versichert sind Ihre im Versicherungsschein bezeichneten Gebäude gegen Zerstörung …“ | Was ist versichert? Gebäude, page 1 |
| Fire, lightning, explosion | yes, up to the sum insured | „Brand, Blitzschlag, Explosion, Leitungswasser, Sturm, Hagel“ | Was ist versichert?, page 1 |
| Escape of water and frost | yes, up to the sum insured | „Brand, Blitzschlag, Explosion, Leitungswasser, Sturm, Hagel“ | Was ist versichert?, page 1 |
| Storm and hail | yes, up to the sum insured | „es sei denn, es handelt sich um Sturm (mindestens Windstärke 8)“ | Was ist nicht versichert? Gebäude, page 1 |
| Burglary and vandalism after break-in | yes, up to the sum insured | „Schäden durch Verlieren, Liegenlassen, unaufklärbares Abhandenkommen oder Diebstahl, es …“ | Was ist nicht versichert? Hausrat, page 1 |
| Other natural hazards (flood, heavy rain, earthquake, snow load) | yes, up to the sum insured | „es sei denn, sie sind durch Sturm, Hagel, Frost, Rohrbruch, Leitungswasser …“ | Was ist nicht versichert? Gebäude, page 1 |
| Electronics and appliances (TV, router, kitchen) against breakage and misuse | yes, up to EUR 5,000 | „für Überspannungsschäden 5.000 €“ | Deckungsbeschränkungen Hausrat, page 1 |
| Garden furniture, barbecue and contents on terrace or balcony | yes, up to EUR 10,000 | „für Außenanlagen (z.B. Wege, Brunnen) 10.000 €“ | Deckungsbeschränkungen Gebäude, page 2 |
| No reduction for gross negligence | not addressed | ||
| Inventory list required for indemnity | not addressed |
Loss of rent and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of rent when the property cannot be let after an insured loss | yes, up to the sum insured | „für den Ausfall von Mieteinnahmen bis zu dem vereinbarten Jahresbruttomietwert“ | Deckungsbeschränkungen, page 2 |
| Maximum duration of loss of rent cover in months | yes | „der Ausfall von Mieteinnahmen, höchstens jedoch für 1 Jahr“ | Was ist versichert? Gebäude, page 2 |
| Loss of rent only for bookings that can be evidenced | not addressed | ||
| Loss of rent from closure or prohibition of use by authorities | not addressed | ||
| Costs of alternative accommodation for guests after a loss | not addressed | ||
| Owner's travel costs to the loss location | not addressed | ||
| On-site emergency and tradesperson service (locksmith, plumbing, heating) | not addressed | ||
| Legal expenses for disputes with guests or booking platforms | not addressed | ||
| Clearance, demolition, removal and protection costs | yes, up to the sum insured | „insbesondere sind folgende Positionen insgesamt bis zu 25 % der Versicherungssumme über …“ | Was ist versichert?, page 2 |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per claim | not addressed | ||
| Exclusion of commercial letting | not addressed | ||
| Exclusion of damage at parties, events or overcrowding | not addressed | ||
| Vacancy clause: restriction if the property is unoccupied for longer (period verbatim) | not addressed | ||
| Duty of regular inspections between stays | not addressed | ||
| Frost obligation: heating or draining pipes when vacant | not addressed | ||
| Security requirements (locks, key safe, alarm, smoke detectors) | yes | „Sie haben alle gesetzlichen, behördlichen und vereinbarten Sicherheitsvorschriften zu …“ | Welche Verpflichtungen habe ich?, page 2 |
| Proof of official permit or registration required | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and notice period | yes | „Der Vertrag verlängert sich um jeweils ein weiteres Jahr, wenn er nicht durch uns mit …“ | Wann beginnt und endet die Deckung?, page 2 |
| Insurer's right to cancel after a claim | not addressed | ||
| Basis of premium calculation (floor area, beds, rental income, sum insured) | not addressed | ||
| Innovation clause: future improvements apply without extra premium | not addressed | ||
| Guarantee of being no worse than the association model wording | not addressed | ||
| Contract language and applicable law (for properties abroad) | 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
- Hiscox SA, Niederlassung für Deutschland
- Distribution
- available through brokers
- Produktinformationsblatt Mundial Commercial by Hiscox Ferienhaus-Versicherung 03/2025 Edition: Informationsblatt Mundial Commercial by Hiscox 03/2025 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 Hiscox Mundial Commercial by Hiscox and available as plain
text.
Volltext Hiscox Mundial Commercial by Hiscox Ferienvermietung · As text (Markdown) Hiscox Mundial Commercial by Hiscox Holiday letting