Insurance broker / Jewellers block insurance / Policy wording archive Jewellers block
Allianz Esa Juwelierwaren- und: the policy wording in full
Allgefahrendeckung der Allianz Esa für Ware von Juwelieren, Gold- und Silberschmieden und Uhrengeschäften bis 200.000 Euro Versicherungssumme, im Geschäft, in Auslagen, auf Geschäftsgängen und bei Beförderung durch Transportunternehmen.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Allianz Esa Juwelierwaren- und.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for stock (total stock value) | yes, up to EUR 200,000 | „einer Versicherungssumme bis zu 200.000 Euro.“ | Das sollten Sie wissen, page 2 |
| First loss cover (limit per loss instead of full stock value) | not addressed | ||
| All-risks cover in the style of a jewellers block policy (everything not expressly excluded is insured) | yes | „Die sogenannte Allgefahrendeckung bietet umfangreichen Versicherungsschutz. Denn alle …“ | Allgefahrenschutz, page 1 |
| Own stock: jewellery, watches, gemstones, pearls, precious metals | yes, up to the sum insured | „Versichert sind Rohmaterialien sowie Halb- und Fertigfabrikate des Edelstein …“ | Versicherungsschutz, page 1 |
| Customer goods for repair, alteration or safekeeping (property in care, custody and control) | yes, up to the sum insured | „oder ihr zu geschäftlichen Zwecken anvertraut wurden.“ | Versicherungsschutz, page 1 |
| Consignment stock and suppliers' goods in custody | yes, up to the sum insured | „oder ihr zu geschäftlichen Zwecken anvertraut wurden.“ | Versicherungsschutz, page 1 |
| Loose stones, old and scrap gold, precious metals as bars or grain | yes, up to the sum insured | „Versichert sind Rohmaterialien sowie Halb- und Fertigfabrikate des Edelstein …“ | Versicherungsschutz, page 1 |
| Cash, till contents and securities on the premises | not addressed | ||
| Shop fittings, display cases, workshop machinery | not addressed | ||
| Waiver of underinsurance (or seasonal peak cover) | not addressed | ||
| Territorial scope (premises, country, Europe, worldwide) | yes | „Versicherungsschutz besteht nicht nur in den eigenen Geschäftsräumen.“ | Prinzip und Leistungen, page 1 |
Storage and limits by location
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Stock in the locked safe outside business hours (limit) | not addressed | ||
| Required safe grade (EN 1143-1) and anchoring | not addressed | ||
| Stock in display cases during business hours | yes, up to the sum insured | „Präsentation in Schaufenstern, Vitrinen und Schaukästen eigener Geschäftsräume“ | Versicherungsorte, page 2 |
| Stock in display cases outside the safe after closing | not addressed | ||
| Stock in the shop window (day and night separately) | yes, up to the sum insured | „Präsentation in Schaufenstern, Vitrinen und Schaukästen eigener Geschäftsräume“ | Versicherungsorte, page 2 |
| Stock in the own workshop | not addressed | ||
| Stock with outside craftsmen, goldsmiths, watchmakers, manufacturers | not addressed | ||
| Stock in the owner's private home | not addressed |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire, lightning, explosion | yes, up to the sum insured | „Um gegen die wirtschaftlichen Folgen von Schäden wie z. B. Raub, Einbruchdiebstahl und …“ | Wozu braucht man, page 1 |
| Burglary | yes, up to the sum insured | „Um gegen die wirtschaftlichen Folgen von Schäden wie z. B. Raub, Einbruchdiebstahl und …“ | Wozu braucht man, page 1 |
| Robbery and extortion on the premises | yes, up to the sum insured | „Um gegen die wirtschaftlichen Folgen von Schäden wie z. B. Raub, Einbruchdiebstahl und …“ | Wozu braucht man, page 1 |
| Extortion with hostage taking outside business hours (tiger kidnapping) | not addressed | ||
| Smash and grab through the shop window | not addressed | ||
| Simple theft on the premises during business hours (no break in, no violence) | not addressed | ||
| Trick theft and swapping for fakes during presentation | not addressed | ||
| Infidelity and theft by own employees | not addressed | ||
| Mysterious disappearance of single items | no | „Ungeklärtes Abhandenkommen“ | Nicht versicherte Gefahren, page 1 |
| Escape of water | not addressed | ||
| Storm and hail | not addressed | ||
| Other natural hazards (flood, earthquake) | not addressed | ||
| Accidental damage and breakage of stock | not addressed | ||
| Riot, vandalism, terrorism | no | „Streik, Aussperrung, Arbeitsunruhen, politische und terroristische Gewalthandlungen …“ | Nicht versicherte Gefahren, page 1 |
Transit and away from premises
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Valuable shipments by post or parcel services (insured letter, registered mail) | not addressed | ||
| Shipment by security carrier or courier | yes, up to the sum insured | „Beförderung durch Transportunternehmen einschließlich An- und Abtransport im …“ | Versicherungsorte, page 1 |
| Personal carriage by owner and staff (trips, errands, customer visits) | yes, up to the sum insured | „Mitführung auf Geschäftsgängen“ | Versicherungsorte, page 2 |
| Stock at trade fairs, exhibitions and sales events | no | „Teilnahme an Ausstellungen, Messen, Modeschauen“ | Nicht versicherte Gefahren, page 1 |
| Goods on approval or memo with customers and dealers | yes, up to the sum insured | „Verkaufsverhandlungen in den eigenen Geschäftsräumen und bei Dritten“ | Versicherungsorte, page 2 |
| Stock in a locked vehicle | not addressed | ||
| Limit per shipment or per trip | not addressed |
Claims settlement
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Valuation of own stock (replacement or purchase price, not retail price) | not addressed | ||
| Valuation of customer goods (replacement price, value stated on repair ticket) | not addressed | ||
| Repair costs and loss of value of damaged items | not addressed | ||
| Pair and set clause (loss of value of the remaining part) | not addressed | ||
| Damage to building and fittings from burglary or robbery, change of locks | not addressed | ||
| Loss of profit after robbery or burglary (included or optional) | not addressed | ||
| Reward for recovery and investigation costs | not addressed | ||
| Expert and loss adjuster fees | not addressed | ||
| Waiver of reduction for gross negligence | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: stock in an unattended vehicle | not addressed | ||
| Exclusion: inventory shortages discovered only at stocktaking | not addressed | ||
| Exclusion: damage during processing, repair, setting and cleaning | yes | „Natürliche Beschaffenheit, Abnutzung, Bearbeitung“ | Nicht versicherte Gefahren, page 1 |
| Exclusion: breakage, scratching, wear and tear | yes | „Natürliche Beschaffenheit, Abnutzung, Bearbeitung“ | Nicht versicherte Gefahren, page 1 |
| Exclusion: customer fraud (false payment, goods released before payment) | not addressed | ||
| Exclusion: acts of own employees or family members | not addressed | ||
| Exclusion: shipment as ordinary parcel without declared value | not addressed |
Security requirements and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Required intruder alarm (VdS class or equivalent) | yes | „Risikofragen wie z. B. Betriebsart, Einbruchmeldeanlage und Versicherungssumme“ | Antragsprozess, page 2 |
| Required connection to a monitoring centre or police | not addressed | ||
| Required hold up alarm in the sales room | not addressed | ||
| Requirement: stock in the safe overnight | not addressed | ||
| Requirement for windows and display cases (security glass, shutters) | not addressed | ||
| Opening and closing procedure (two persons, time lock) | not addressed | ||
| Stock records and stocktaking (proof of stock) | not addressed | ||
| Notification period to insurer and list of stolen items to police | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible (per loss, often higher for robbery or simple theft) | not addressed | ||
| Sum adjustment or periodic stock declaration | not addressed | ||
| Contract term and notice period | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| Premium basis (stock value, turnover, security level, location) | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Allianz Versicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Juwelierwaren- und Valorenversicherung, Produktinformation (MMS 4310) Edition: MMS--4310Z0 (01V) PDF.2.25 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 Esa Juwelierwaren- und and available as plain text.
Volltext Allianz Esa Juwelierwaren- und Valorenversicherung · As text (Markdown) Allianz Esa Juwelierwaren- und Jewellers block