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Interlloyd HWSB-Baustein Hausratpolice: the policy wording in full
Haus- und Wohnungs-Schutzbrief als wählbarer Baustein (Teil F) zur Interlloyd-Hausratversicherung in allen Linien, Notdienste und Betreuung über das Service-Telefon, je Schadenereignis bis 500 Euro und je Versicherungsjahr bis 1.500 Euro.
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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 Interlloyd HWSB-Baustein
Hausratpolice.
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 | yes | „Sofern im Versicherungsvertrag vereinbart und im Versicherungsschein genannt“ | Teil F, page 145 |
| Available as an add-on to buildings insurance | not addressed | ||
| Insured location: the flat or single family house named in the policy | not addressed | ||
| 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 | „Alle Leistungen dieses Schutzbriefs stehen dem Versicherungsnehmer und den Personen …“ | F2, page 145 |
| Maximum benefit per call out or claim | yes, up to EUR 500 | „übernimmt der Versicherer jeweils Kosten von höchstens 500 Euro pro Schadenereignis.“ | F3, page 145 |
| Maximum benefit per policy year (all call outs together) | yes, up to EUR 1,500 | „Der Ersatz von Kosten ist in diesen Fällen auf 1.500 Euro für alle Schadenereignisse …“ | F3, page 144 |
| Number of call outs per year capped | not addressed | ||
| Emergency hotline available around the clock every day | yes | „Das Notruf-Telefon ist hierfür unter der Rufnummer 0211/9890 1468 an allen Tagen des …“ | F1-2, page 144 |
| Costs reimbursed when the customer hires a tradesperson directly (without the hotline) | no | „Voraussetzung für die Erbringung der Serviceleistungen und den Kostenersatz ist, dass …“ | F1-2, page 145 |
| 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) | yes, up to EUR 500 | „Diese Leistungen übernimmt der Versicherer auch, wenn der Versicherungsnehmer ohne …“ | F4, page 145 |
| Locksmith after loss or theft of the key | yes, up to EUR 500 | „Gelangt der Versicherungsnehmer nicht in die versicherte Wohnung (siehe B10), weil der …“ | F4, page 145 |
| 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 500 | „sowie die Kosten bis 500 Euro für ein provisorisches Schloss, wenn das Türschloss durch …“ | F4, page 145 |
| 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 | „organisiert der Versicherer den Einsatz einer Rohrreinigungsfirma und übernimmt die …“ | F5-1, page 145 |
| Emergency plumber (water escaping, pipe defect) | yes, up to EUR 500 | „Der Versicherer übernimmt die Kosten bis 500 Euro für die Behebung des Defektes.“ | F6-1, page 145 |
| Emergency heating engineer when heating or hot water fails | yes, up to EUR 500 | „Der Versicherer organisiert den Einsatz eines Heizungs-Installationsbetriebes und …“ | F8-1, page 145 |
| Emergency electrician for a power failure in the home | yes, up to EUR 500 | „organisiert der Versicherer den Einsatz eines Elektro-Installationsbetriebes und …“ | F7-1, page 145 |
| Loan appliances (heaters, dehumidifiers) after heating failure or water damage | yes, up to EUR 500 | „so stellt der Versicherer dem Versicherungsnehmer bis zu 3 elektrische Leih-Heizgeräte …“ | F9, page 146 |
| 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) | yes, up to EUR 500 | „Schädlinge sind Schaben (z.B. Kakerlaken), Ratten, Mäuse, Motten, Ameisen und …“ | F10-1, page 146 |
| Removal or relocation of wasp and hornet nests | yes, up to EUR 500 | „organisiert der Versicherer dessen fachgerechte Entfernung und Umsiedlung und übernimmt …“ | F11-1, page 146 |
| Marten deterrence at the building | not addressed | ||
| Pet care when the insured person is unexpectedly hospitalised | yes, up to EUR 500 | „Der Versicherer organisiert innerhalb der Bundesrepublik Deutschland die Unterbringung …“ | F12-1, page 146 |
Accommodation and follow up services
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Hotel accommodation when the home is uninhabitable after damage | no | „Die Kosten für die Ersatzwohnung werden nicht übernommen.“ | F14-1, page 147 |
| Return journey from holiday after major damage at home | not addressed | ||
| Childcare when the carer is in hospital | yes, up to EUR 500 | „längstens jedoch für die Dauer von 48 Stunden. Der Versicherer übernimmt die hierdurch …“ | F13-2, page 147 |
| 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 | „die Rohrverstopfung bereits vor Versicherungsbeginn vorhanden war oder“ | F5-2.1, page 145 |
| Exclusion of wear, lack of maintenance and repair of the installation itself | yes | „für die ordentliche Instandhaltung bzw. Wartung der Sanitärinstallation in der …“ | F6-2.3, page 145 |
| Exclusion where the landlord or property manager is responsible | not addressed | ||
| Exclusion of common parts and pipes outside the home | yes | „die Ursache der Rohrverstopfung für den Versicherungsnehmer erkennbar außerhalb seiner …“ | F5-2.2, page 145 |
| Benefit only secondary if no other contract pays (subsidiarity) | not addressed | ||
| Exclusion for war, strikes, natural catastrophes or official orders | not addressed | ||
| 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 | yes | „Der Versicherer organisiert innerhalb der Bundesrepublik Deutschland die Unterbringung“ | F12-1, page 146 |
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 | „dem Versicherer das Schadenereignis über das Interlloyd-Service-Telefon meldet und dem …“ | F1-2, page 145 |
| Obligation to submit original invoices with details of work | not addressed | ||
| 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 | yes | „Nach dem Eintritt eines Versicherungsfalls kann jede der Vertragsparteien den …“ | A2-2, 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.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Interlloyd Versicherungs-Aktiengesellschaft
- Distribution
- available through brokers
- Interlloyd Hausrat Versicherungsbedingungen (IL 115) mit Haus- und Wohnungs-Schutzbrief Edition: Teil F Stand 01.2021, Vertragsinformationen 04.2023 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 Interlloyd HWSB-Baustein Hausratpolice and available as plain
text.
Volltext Interlloyd HWSB-Baustein Hausratpolice Wohnungsschutzbrief · As text (Markdown) Interlloyd HWSB-Baustein Hausratpolice Home emergency cover