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Uelzener MVG-Tier Tier-Ertragsschadenversicherung: the policy wording in full
Tier-Ertragsschadenversicherung der MVG-Tier: ersetzt den Rückgang des Deckungsbeitrags nach anzeigepflichtigen Tierseuchen, übertragbaren Krankheiten, Unfall, Botulismus, Diebstahl und wahlweise Milchschäden, Haftzeit 12 Monate, Wartezeit drei Monate.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Uelzener MVG-Tier
Tier-Ertragsschadenversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable species (cattle, pigs, sheep, goats, poultry, horses, fish, bees) | yes | „Landwirtschaftliche Betriebe oder Gewerbebetriebe, die Tierzucht oder tierische …“ | 1.2, page 2 |
| Sum insured per animal or per herd (value, agreed value, market price or yield) | yes, up to the sum insured | „Soweit nichts anderes vereinbart ist, wird die Versicherungssumme durch den …“ | 7.1, page 2 |
| Maximum sum insured per single animal | not addressed | ||
| Obligation to insure the whole herd or all animals of a species | not addressed | ||
| Entry and maximum age of insurable animals | not addressed | ||
| Identification and registration required (ear tag, life number, horse passport, national registry) | not addressed | ||
| Herd health status required (officially free, animal health service) | not addressed |
Livestock mortality insurance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Death from disease | yes, up to the sum insured | „anderer als den vorgenannten, übertragbaren Tierkrankheiten im Tierbestand“ | 1.2.2, page 2 |
| Death by accident | yes, up to the sum insured | „Unfall im Tierbestand“ | 1.2.3, page 2 |
| Emergency killing or slaughter on veterinary order | not addressed | ||
| Losses at birth: dam and calf, foal or piglet | not addressed | ||
| Death by fire, lightning and electric current | no | „für Schäden durch Brand, Blitzschlag, Explosion, Sturm, Überschwemmung und Rückstau“ | 4.1.3, page 2 |
| Death or injury by wolves and other predators, incl. search costs | not addressed | ||
| Theft and loss of animals | yes, up to the sum insured | „Diebstahl im Tierbestand“ | 1.2.5, page 2 |
| Transport risk (death or injury in transit, also to shows and markets) | not addressed | ||
| Pasture risk (falls, drowning, escape onto roads) | not addressed | ||
| Death from surgery or anaesthesia | not addressed | ||
| Permanent unfitness for the intended use (riding, sport, breeding) | not addressed | ||
| Infertility of stallions, bulls, boars | not addressed | ||
| Carcass disposal costs | not addressed | ||
| Veterinary or treatment costs included | not addressed |
Loss of income, epidemics and stable shutdown
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of income from notifiable epidemics (foot and mouth, swine fever, avian influenza, bluetongue) | yes, up to the sum insured | „anzeigepflichtiger Tierseuchen (i. S. d. Verordnung über anzeigepflichtige Tierseuchen) …“ | 1.2.1, page 2 |
| Loss of income from non-notifiable diseases (salmonella, PRRS, BVD, paratuberculosis) | yes, up to the sum insured | „anderer als den vorgenannten, übertragbaren Tierkrankheiten im Tierbestand“ | 1.2.2, page 2 |
| Loss of income from restriction or surveillance zone without own outbreak | yes, up to the sum insured | „Mitversichert gelten Rückwirkungsschäden der ersten vor- und nachgelagerten Handelsstufe.“ | 3.3, page 2 |
| Culling ordered by authorities (value above state compensation) | yes, up to the sum insured | „Entschädigung wird geleistet, wenn die versicherten Gefahren Ertragsschäden verursachen …“ | 2., page 2 |
| Loss of income after fire, lightning, explosion or storm in the stable | no | „für Schäden durch Brand, Blitzschlag, Explosion, Sturm, Überschwemmung und Rückstau“ | 4.1.3, page 2 |
| Failure of ventilation, feeding, milking or cooling equipment and power cut | yes, up to the sum insured | „von unvorhergesehener Zerstörung, Beschädigung, Verlust, Abhandenkommen oder Verderb …“ | 1.2.7, page 2 |
| Poisoning of feed or water, incl. mycotoxins and botulism | yes, up to the sum insured | „von akutem Botulismus bei Rindern“ | 1.2.4, page 2 |
| Death or losses from heat stress | not addressed | ||
| Milk loss and milk delivery ban | yes, up to the sum insured | „Ertragsausfälle durch die Reduzierung des Milchgeldes durch den abnehmenden Betrieb“ | 2.6.3, page 2 |
| Extra costs and loss of income until restocking (cleaning, disinfection, empty period) | yes, up to the sum insured | „Unterbrechung des Produktionsverfahrens“ | 2.4, page 2 |
| Indemnity period for loss of income (months) | yes | „innerhalb von 12 Monaten seit Eintritt des Schadenereignisses entsteht (Haftzeit).“ | 6., page 2 |
| Indemnity at fixed rates per animal and day | no | „Der Ertragsschaden wird im Rahmen einer Vergleichsrechnung der Deckungsbeiträge für die …“ | 9.1.1, page 2 |
Indemnity and deductible
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Indemnity based on sum insured, current value or market price on the day of loss | yes | „Der Ertragsschaden ist die Differenz zwischen dem Deckungsbeitrag ohne Schaden …“ | 9.1.1, page 2 |
| Deduction of salvage proceeds (slaughter value) | yes, up to the sum insured | „Verwertungserlöse und Entschädigungen aus anderen Versicherungsverträgen sowie …“ | 9.3, page 3 |
| Offset of animal disease fund or state compensation | yes, up to the sum insured | „von Tierseuchenkassen oder Tierkörperbeseitigungsanstalten werden auf die Entschädigung …“ | 9.3, page 3 |
| Deductible as percentage of the loss or sum insured | yes, up to the sum insured | „soweit er den vereinbarten Selbstbehalt des Produktionsverfahrens übersteigt.“ | 9.1, page 3 |
| Waiting period for loss of income (days without indemnity) | not addressed | ||
| Minimum loss or minimum mortality rate in the herd | not addressed | ||
| Deduction of normal losses (background mortality) | not addressed | ||
| Reduction for underinsurance | yes | „Liegt eine Unterversicherung vor, so wird nur der Teil des Schadens ersetzt“ | 8.1, page 2 |
| Annual or per-event maximum indemnity | yes, up to the sum insured | „Die Entschädigungsleistung wird durch die Gesamtversicherungssumme des Vertrages begrenzt.“ | 9.5, page 3 |
| No-claims bonus or premium refund | not addressed |
Waiting period, start and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Waiting period for disease and epidemics after inception | yes | „Es gilt eine Wartezeit von drei Monaten als vereinbart.“ | 11.4, page 3 |
| Special waiting periods for single diseases | yes | „Für die Gefahren BSE und TBC gilt die Wartezeit von einem Monat.“ | 11.7, page 2 |
| Veterinary health certificate at inception | not addressed | ||
| End of cover on sale, change of ownership or maximum age | not addressed | ||
| Contract term and notice period | yes | „verlängert sich der Vertrag um jeweils ein Jahr, wenn nicht einer der Vertragsparteien …“ | 11.2, page 3 |
| Annual herd declaration or reporting of additions and disposals | yes | „Zur Hauptfälligkeit des Vertrages hat der Versicherungsnehmer veränderte Werte der …“ | 10.2, page 3 |
| Insurer's right to cancel after a claim | yes | „Nach dem Eintritt eines Ertragsschadens können Versicherer und Versicherungsnehmer …“ | 23., page 5 |
Obligations and claims
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deadline for reporting a claim (hours or days) | yes | „Die Anzeige hat telefonisch oder mittels anderer elektronischer Medien innerhalb von 24 …“ | 14.3, page 4 |
| Notification of the insurer before emergency killing | not addressed | ||
| Veterinary certificate or post mortem as proof | yes | „Ferner hat der Versicherungsnehmer Erkrankungen und“ | 14.4.1, page 4 |
| Keep carcass available for inspection, proof of disposal | not addressed | ||
| Duty of vaccination, hygiene and biosecurity | yes | „die Vorschriften des Tierseuchengesetzes, der Ausführungsgesetze und -verordnungen oder …“ | 13.1.1, page 3 |
| Duty to seek veterinary treatment in time | yes | „sind in Absprache mit dem Bestandstierarzt geeignete Maßnahmen durchzuführen und der …“ | 13.3, page 4 |
| Required alarm system, emergency power or ventilation | not addressed | ||
| Rules for purchase and quarantine of new animals | yes | „die Aufnahme von Tieren in den Bestand verhindert wird, soweit ihm Umstände bekannt …“ | 13.1.3, page 3 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of diseases and defects existing at inception | yes | „für die Folgen von Mängeln oder Krankheiten, die bei Beginn der Versicherung bereits …“ | 4.1.1, page 2 |
| Exclusion of notifiable epidemics from mortality cover | not addressed | ||
| Exclusion of slaughter for economic reasons | not addressed | ||
| Exclusion for poor feeding, care or animal welfare breach | not addressed | ||
| Exclusion of flood, earthquake and other natural hazards | yes | „Erdbeben und Tsunami, Erdsenkung und Erdrutsch, Schneedruck, Lawinen und Vulkanausbruch.“ | 4.1.3, page 2 |
| Exclusion of war, terrorism and nuclear energy | yes | „für Schäden, soweit sie durch Krieg, innere Unruhen, Erdbeben oder Kernenergie …“ | 4.1.2, page 2 |
| Exclusion for doping, racing or competitions (horses) | not addressed |
Spain specifics (combined agricultural insurance, livestock)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Line and guarantee: which guarantees (basic, additional) cover which peril | not addressed | ||
| Removal and destruction of carcasses as separate line or guarantee | not addressed | ||
| Official eradication programme: indemnity for ordered culling (tuberculosis, brucellosis) | not addressed | ||
| Eligibility for public subsidy according to the conditions | not addressed | ||
| Subscription period and guarantee period per plan | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- Uelzener Allgemeine Versicherungs-Gesellschaft a.G.
- Distribution
- not known
- Allgemeine Bedingungen der MVG für die Tier-Ertragsschadenversicherung (AV TIS / TISK 2024, MVG-Tier) Edition: AV TIS / TISK 2024 (MVG-Tier, DOC-451_0325_V01) Original from the insurer (PDF, German)
- Allgemeine Bedingungen der MVG für die Tier-Ertragsschadenversicherung (AV TIS / TISK 2022, MVG-Tier) Edition: AV TIS / TISK 2022 (MVG-Tier) 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 Uelzener MVG-Tier Tier-Ertragsschadenversicherung and
available as plain text.
Volltext Uelzener MVG-Tier Tier-Ertragsschadenversicherung Nutztierversicherung · As text (Markdown) Uelzener MVG-Tier Tier-Ertragsschadenversicherung Livestock insurance