Insurance broker / Home emergency cover / Policy wording archive Home emergency cover
ERGO SmartHome-Schutzbrief: the policy wording in full
Über die Telekom vertriebener Gruppenvertrag, der nur mit einer Magenta SmartHome-Anlage gilt: auf Alarm von Wasser-, Rauch- oder Einbruchmeldern organisiert ERGO Notfallmaßnahmen und trägt die Kosten bis 3.000 Euro, bei eigener Organisation bis 500 Euro.
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 ERGO.
- AI has advised
- 2Your details
- Application to ERGO
Thank you, we have your application.
We prepare it with ERGO and get back to you with the documents.
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 ERGO SmartHome-Schutzbrief.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Available as a standalone contract without contents or buildings cover with the same insurer | yes | „Sie treten mit dem Kauf des ERGO SmartHome-Schutzbriefes, der nur in Verbindung mit …“ | Einleitung, page 1 |
| Available as an add-on to contents insurance | not addressed | ||
| Available as an add-on to buildings insurance | not addressed | ||
| Insured location: the flat or single family house named in the policy | yes | „Versicherungsschutz besteht für die oben genannten Notfälle in der Magenta …“ | Ziffer 2, page 2 |
| 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 | not addressed | ||
| Maximum benefit per call out or claim | yes, up to EUR 3,000 | „organisieren wir verschiedene Notfallmaßnahmen und übernehmen die Kosten bis zu 3.000 …“ | Ziffer 1, page 1 |
| 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 | not addressed | ||
| Costs reimbursed when the customer hires a tradesperson directly (without the hotline) | yes, up to EUR 500 | „Wenn Sie die Organisation der Not ... selbst übernehmen, zahlen wir bis zu 500 Euro.“ | Ziffer 1, page 1 |
| Material and spare parts covered, not only call out and labour | not addressed | ||
| 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) | not addressed | ||
| Locksmith after loss or theft of the key | not addressed | ||
| Lock replacement after key loss or attempted break in | not addressed | ||
| Replacement keys | not addressed | ||
| Temporary lock or provisional securing of the door | yes, up to EUR 3,000 | „Ist aufgrund eines Brandes ein provisorisches Schloss bzw. ein Wachdienst notwendig …“ | Ziffer 1.3, page 1 |
| Emergency boarding of doors and windows after burglary or storm | yes, up to EUR 3,000 | „Ferner organisieren wir Fachpersonal für notwendige provisorische Sicherungen oder …“ | Ziffer 1.2, page 1 |
| Guarding the home when it cannot be locked after damage | yes, up to EUR 3,000 | „Ist aufgrund eines Brandes ein provisorisches Schloss bzw. ein Wachdienst notwendig …“ | Ziffer 1.3, page 1 |
Building services and emergency trades
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Drain clearance for blocked drains, toilet or main sewer | not addressed | ||
| Emergency plumber (water escaping, pipe defect) | yes, up to EUR 3,000 | „Dies sind die Kosten für eine provisorische Abdichtung eines Rohrbruches oder undichter …“ | Ziffer 1.1, page 1 |
| Emergency heating engineer when heating or hot water fails | not addressed | ||
| Emergency electrician for a power failure in the home | not addressed | ||
| 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 | not addressed | ||
| 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) | not addressed | ||
| Removal or relocation of wasp and hornet nests | not addressed | ||
| Marten deterrence at the building | not addressed | ||
| 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 | not addressed | ||
| Exclusion of wear, lack of maintenance and repair of the installation itself | not addressed | ||
| 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 | „Ohne Rücksicht auf mitwirkende Ursachen besteht kein Versicherungsschutz für Schäden …“ | Ziffer 5, page 2 |
| Exclusion of rooms used for business | yes | „Die in der Magenta SmartHome-App hinterlegte Wohnung liegt in Deutschland und ist …“ | Ziffer 3, page 2 |
| Exclusion or restriction when the home is vacant or unoccupied for long | not addressed | ||
| Benefits only for homes in the home country | yes | „Die Wohnung muss in Deutschland liegen.“ | Ziffer 2, page 2 |
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 | „Sie müssen uns über jeden Versicherungsfall unverzüglich informieren.“ | Ziffer 7.1, page 3 |
| Obligation to submit original invoices with details of work | yes | „Sie müssen uns hierzu jede Auskunft erteilen und die angeforderten Belege zur Verfügung …“ | Ziffer 7.4, page 3 |
| Ends automatically with the contents or buildings policy | not addressed | ||
| Add-on can be cancelled separately without the main policy | not addressed | ||
| Insurer may cancel after a claim | not addressed | ||
| Minimum term of the contract or add-on | yes | „Sie haben ab dem Tag der Aktivierung für 12 Monate Versicherungsschutz. Der …“ | Ziffer 6.2, page 2 |
| 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- ERGO Direkt Versicherung Aktiengesellschaft, ERGO Versicherung Aktiengesellschaft
- Distribution
- not known
- Bedingungen ERGO SmartHome-Schutzbrief Edition: Stand 23.02.2021 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for ERGO SmartHome-Schutzbrief and available as plain text.
Volltext ERGO SmartHome-Schutzbrief Wohnungsschutzbrief · As text (Markdown) ERGO SmartHome-Schutzbrief Home emergency cover