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Allianz PrivatSchutz mit Haus- und: the policy wording in full
Notfallservice Zuhause als fester Teil der Wohngebäudeversicherung Premium (PrivatSchutz): Schlüsseldienst, Rohrreinigung, Sanitär, Elektro, Schädlinge und Wespennester bis je 500 Euro, dazu Fehlerdiagnose und Arbeitskosten bei Haushaltsgroßgeräten bis zehn Jahre.
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Everything about this policy
What the policy covers: 62 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Allianz PrivatSchutz mit Haus- und.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Available as a standalone contract without contents or buildings cover with the same insurer | not addressed | ||
| Available as an add-on to contents insurance | not addressed | ||
| Available as an add-on to buildings insurance | yes | „Versicherungsbedingungen für Ihre Wohngebäudeversicherung Premium“ | Titel, page 1 |
| Insured location: the flat or single family house named in the policy | yes | „Versicherungsort ist Ihr im Versicherungsschein bezeichnetes Gebäude oder Ihre Wohnung.“ | Ziffer 2.3.2, page 8 |
| Second or holiday home covered or can be added | not addressed | ||
| Usable by tenants too (benefits not tied to ownership) | not addressed | ||
| Insured persons: policyholder and persons living in the same household | yes | „Wir übernehmen die Ihnen oder einer mit Ihnen im Haushalt lebenden Person entstehenden …“ | Ziffer 2.3.2, page 8 |
| Maximum benefit per call out or claim | yes, up to EUR 500 | „Wir übernehmen die hierfür entstehenden Kosten bis zu maximal 500 Euro je …“ | Ziffer 2.3.2.1, page 8 |
| Maximum benefit per policy year (all call outs together) | not addressed | ||
| Number of call outs per year capped | not addressed | ||
| Emergency hotline available around the clock every day | yes | „Dieser Service steht Ihnen an allen Tagen des Jahres rund um die Uhr zur Verfügung.“ | Ziffer 2.3.2, page 8 |
| Costs reimbursed when the customer hires a tradesperson directly (without the hotline) | not addressed | ||
| Material and spare parts covered, not only call out and labour | no | „Kleinteile bis zu 25 Euro Ersatzteile erstatten wir nicht.“ | Ziffer 2.3.2.2, page 9 |
| Labour time per call out capped (hours) | not addressed |
Keys and security
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Locksmith when locked out (door closed, key inside) | yes, up to EUR 500 | „Beispiel: Ihnen ist der Schlüssel im Schloss abgebrochen. Sie haben sich ausgesperrt …“ | Ziffer 2.3.2.1 Schlüsseldienst, page 8 |
| Locksmith after loss or theft of the key | yes, up to EUR 500 | „Das Öffnen Ihrer Wohnungstür und/oder Haustür durch eine Fachfirma (Schlüsseldienst) …“ | Ziffer 2.3.2.1 Schlüsseldienst, page 9 |
| Lock replacement after key loss or attempted break in | not addressed | ||
| Replacement keys | not addressed | ||
| Temporary lock or provisional securing of the door | not addressed | ||
| Emergency boarding of doors and windows after burglary or storm | not addressed | ||
| Guarding the home when it cannot be locked after damage | not addressed |
Building services and emergency trades
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Drain clearance for blocked drains, toilet or main sewer | yes, up to EUR 500 | „Die Beauftragung einer Rohrreinigungsfirma, sofern ihr Einsatz wegen verstopfter …“ | Ziffer 2.3.2.1, page 8 |
| Emergency plumber (water escaping, pipe defect) | yes, up to EUR 500 | „Das Kalt- oder Warmwasser kann nicht mehr abgestellt werden.“ | Ziffer 2.3.2.1 Sanitär-Installateur-Service, page 9 |
| Emergency heating engineer when heating or hot water fails | not addressed | ||
| Emergency electrician for a power failure in the home | yes, up to EUR 500 | „Der Einsatz eines Elektro-Installateurbetriebes bei Defekten an Leitungen und Zubehör …“ | Ziffer 2.3.2.1, page 8 |
| Loan appliances (heaters, dehumidifiers) after heating failure or water damage | not addressed | ||
| Leak detection when water damage is suspected | not addressed | ||
| Emergency roofer after storm or hail | not addressed | ||
| Emergency glazier for broken windows and doors | not addressed | ||
| Repair service for large household appliances | yes, up to EUR 500 | „Ist in Ihrem Haushalt ein Haushalts-Großgerät defekt, erbringen wir unter den …“ | Ziffer 2.3.2.2, page 9 |
| Help with computers, internet and home network (phone or on site) | not addressed | ||
| Handyman service without emergency (drilling, assembly, minor repairs) | not addressed |
Pests and animals
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Pest control by a specialist (rats, mice, cockroaches, bed bugs) | yes, up to EUR 500 | „Die Bekämpfung von tierischen Schädlingen am Versicherungsort durch eine Fachfirma …“ | Ziffer 2.3.2.1, page 9 |
| Removal or relocation of wasp and hornet nests | yes, up to EUR 500 | „Die fachgerechte Entfernung oder Umsiedlung von Wespen- oder Hornissennestern, die sich …“ | Ziffer 2.3.2.1, page 9 |
| Marten deterrence at the building | yes, up to EUR 500 | „Beispiel: Der Mäusebefall oder eine Marderentfernung kann nur durch eine Fachfirma …“ | Ziffer 2.3.2.1 Schädlingsbekämpfung, page 9 |
| Pet care when the insured person is unexpectedly hospitalised | not addressed |
Accommodation and follow up services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hotel accommodation when the home is uninhabitable after damage | not addressed | ||
| Return journey from holiday after major damage at home | not addressed | ||
| Childcare when the carer is in hospital | not addressed | ||
| Home help after a hospital stay | not addressed | ||
| Transport and storage of contents when the home is uninhabitable | not addressed | ||
| Cleaning of the home after damage | not addressed | ||
| Looking after the home (plants, post) during hospital absence | not addressed | ||
| Referral of tradespeople even without cost cover | not addressed |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of defects existing before inception | yes | „vor Vertragsbeginn bereits vorhandene Defekte“ | Ziffer 2.3.2.2, page 10 |
| Exclusion of wear, lack of maintenance and repair of the installation itself | yes | „Nicht versichert ist die ordentliche Instandhaltung und Wartung der …“ | Ziffer 2.3.2.1 Sanitär-Installateur-Service, page 8 |
| Exclusion where the landlord or property manager is responsible | not addressed | ||
| Exclusion of common parts and pipes outside the home | not addressed | ||
| Benefit only secondary if no other contract pays (subsidiarity) | not addressed | ||
| Exclusion for war, strikes, natural catastrophes or official orders | yes | „Krieg, kriegsähnliche Ereignisse, Bürgerkrieg, Revolution, Rebellion oder Aufstand“ | Ziffer 2.4.1, page 11 |
| Exclusion of rooms used for business | not addressed | ||
| Exclusion or restriction when the home is vacant or unoccupied for long | not addressed | ||
| Benefits only for homes in the home country | not addressed |
Contract and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Waiting period after inception | not addressed | ||
| Deductible per call out | not addressed | ||
| Obligation to call the hotline before hiring anyone | yes | „Bitte rufen Sie uns hierzu unter der Telefonnummer an, die in Ihrem Versicherungsschein …“ | Ziffer 2.3.2, page 8 |
| Obligation to submit original invoices with details of work | not addressed | ||
| Ends automatically with the contents or buildings policy | yes | „Diese setzen sich zusammen aus den Regelungen zur Wohngebäudeversicherung sowie den …“ | Einleitung, page 1 |
| Add-on can be cancelled separately without the main policy | not addressed | ||
| Insurer may cancel after a claim | yes | „Nach dem Eintritt des Versicherungsfalls kann jede Vertragspartei das …“ | Ziffer 8.5.1, page 20 |
| Minimum term of the contract or add-on | not addressed | ||
| Limits are adjusted (indexation) | 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
- Allianz Versicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen für Ihren Allianz PrivatSchutz (laut Suche mit Bedingungen für den Haus- und Wohnungsschutzbrief) Edition: PSV 2403 Version 000 (Premium 10/2019) 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 Allianz PrivatSchutz mit Haus- und and available as plain
text.
Volltext Allianz PrivatSchutz mit Haus- und Wohnungsschutzbrief · As text (Markdown) Allianz PrivatSchutz mit Haus- und Home emergency cover