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Allianz und Handwerkversicherung: the policy wording in full
Sonderbedingung zu den AKB-NF für Kfz-Handwerks-, Handels- und gemischte Betriebe: Haftpflicht und Kasko für Fahrzeuge mit roten Kennzeichen, nicht zugelassene Fahrzeuge im Betrieb und Kundenfahrzeuge in Obhut, Höchstentschädigung und Selbstbeteiligung laut Versicherungsschein.
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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 und Handwerkversicherung.
Basics and type of contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Covered types of business (dealer, workshop, body shop, paint, tyres, filling station, towing) | yes | „Kfz-Handwerksbetriebe sind Unternehmen, auf deren Betriebsgelände Reparatur …“ | A.1.1.1, page 1 |
| Premium basis (number of plates, turnover, payroll, staff, vehicle stock) | not addressed | ||
| Annual declaration and premium adjustment | yes | „Änderungen der Risikoverhältnisse, insbesondere das Hinzukommen neuer …“ | H.1, page 3 |
| Own business vehicles with regular plates in the same policy | yes | „eigene Fahrzeuge, die noch auf einen anderen zugelassen sind, die Sie aber in …“ | A.2.4, page 1 |
| Unregistered stock and demo vehicles on the premises | yes, up to the sum insured | „zulassungspflichtige (§ 3 FZV), aber nicht zugelassene in Ihrem Betrieb befindliche …“ | A.2.2, page 1 |
| Territorial scope (domestic, Europe, green card) | not addressed | ||
| Contract term, renewal and notice period | not addressed | ||
| Spain: extraordinary risks covered by the Consorcio de Compensación de Seguros | not addressed |
Trade plates and test drive plates
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Motor liability for trips with trade plates | yes, up to the sum insured | „mit roten Kennzeichen oder Kurzzeitkennzeichen versehene Fahrzeuge“ | A.2.1, page 1 |
| Liability limit under trade plates | yes, up to the sum insured | „jeweils gleicher Art mit gleichen Deckungssummen (Haftpflicht) …“ | B.1, page 1 |
| Permitted trips (inspection, test and transfer drives) | yes | „gemäß § 16 FZV (Probe-, Prüfungs- und Überführungsfahrten)“ | A.2.1.3, page 1 |
| Number of plates per policy and switching between vehicles | not addressed | ||
| Own damage cover for vehicles on trade plates | yes, up to the sum insured | „Die Versicherung umfasst je nach dem Inhalt des Vertrages nach Maßgabe Ihrer …“ | B.1, page 1 |
| Short term and transfer plates included | yes | „das Ihnen von der Zulassungsbehörde auf eigenen Namen und für eigene Verwendung …“ | A.2.1, page 1 |
| Test drive by prospective buyers, also unaccompanied | yes | „eigene und fremde Fahrzeuge, die sich im unmittelbaren Zusammenhang mit ihrem An- und …“ | A.2.1.3, page 1 |
| Maximum duration of a test drive | not addressed | ||
| Embezzlement or fraud by test drivers covered | not addressed | ||
| Exclusion of private use under trade plates | not addressed | ||
| Logbook and record keeping duties | not addressed |
Customer vehicles in custody
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to customer vehicles in custody | yes, up to the sum insured | „fremde Fahrzeuge, wenn und solange sie sich zu Reparatur oder vergleichbaren Zwecken“ | A.2.3, page 1 |
| Customer vehicles on the premises and in the workshop | yes, up to the sum insured | „fremde Fahrzeuge, die sich zum Zwecke des Verkaufs auf Ihrem im Versicherungsschein …“ | A.2.2.2, page 1 |
| Driving customer vehicles (road test after repair, transfer) | yes, up to the sum insured | „fremde Fahrzeuge, die sich zu einem Zweck, der sich aus der Art des im …“ | A.2.1.2, page 1 |
| Theft of customer vehicles and keys | not addressed | ||
| Fire, storm, hail and flood to customer vehicles | yes, up to the sum insured | „Hagelschäden werden ausschließlich nach Maßgabe der Anlage zu dieser Sonderbedingung …“ | D.3, page 2 |
| Vandalism to customer vehicles | not addressed | ||
| Damage caused while working on customer vehicles | not addressed | ||
| Maximum indemnity per customer vehicle | yes, up to the sum insured | „die Ersatzleistung für das einzelne Fahrzeug bzw. für das einzelne Schadenereignis auf …“ | C.1, page 1 |
| Maximum indemnity per event and year | yes, up to the sum insured | „die Ersatzleistung für das einzelne Fahrzeug bzw. für das einzelne Schadenereignis auf …“ | C.1, page 1 |
| Pick up and delivery service with customer vehicles | not addressed | ||
| Damage in the own car wash | not addressed | ||
| Towing and recovery of customer vehicles | not addressed | ||
| Valuation of customer vehicles (replacement value, current value) | yes | „Wir erstatten Ihnen die notwendigen und durch eine Rechnung nachgewiesenen …“ | C.3, page 1 |
Business and workshop liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business liability limit | not addressed | ||
| Consequential damage from faulty repair or service | not addressed | ||
| Removal and installation costs, rectification costs | not addressed | ||
| Product liability for parts and vehicles sold | not addressed | ||
| Pure financial loss | not addressed | ||
| Environmental liability (waste oil, fuel, separators) | not addressed | ||
| Environmental damage under environmental damage law | not addressed | ||
| Loss of third party keys and key cards | not addressed | ||
| Statutory inspections and emission tests on site | not addressed | ||
| Conversions, tuning and retrofits | not addressed | ||
| Work on high voltage and electric vehicles | not addressed | ||
| Courtesy and rental vehicles for customers | not addressed | ||
| Filling station and charging points | not addressed |
Own vehicles, stock and business
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Vehicle stock against fire, burglary and theft | yes, up to the sum insured | „zulassungspflichtige (§ 3 FZV), aber nicht zugelassene in Ihrem Betrieb befindliche …“ | A.2.2, page 1 |
| Hail, storm and flood on the open lot | yes, up to the sum insured | „Hagelschäden werden ausschließlich nach Maßgabe der Anlage zu dieser Sonderbedingung …“ | D.3, page 2 |
| Theft from the open lot | not addressed | ||
| Own damage cover for demo and dealer vehicles | not addressed | ||
| Valuation of own vehicles (purchase price, trade value, sale price) | yes | „Obergrenze für die zu leistende Entschädigung ist innerhalb der Höchstentschädigung je …“ | C.3, page 2 |
| Spare parts, tools and equipment | yes, up to the sum insured | „Fahrzeugteile sind nur versichert, wenn und solange sich die zugehörigen Fahrzeuge“ | E.1.2, page 2 |
| Business interruption | not addressed | ||
| Vehicles on own transporter or trailer | yes, up to the sum insured | „Sie können die Risiken nach E.3.1 und E.3.2 durch besondere Vereinbarung in Ihren …“ | E.3.3, page 2 |
Deductibles and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible for custody damage | yes, up to the sum insured | „Sie müssen von jedem Schaden die im Versicherungsschein genannte Selbstbeteiligung tragen.“ | C.2, page 2 |
| Deductible for damage under trade plates | yes, up to the sum insured | „Sie müssen von jedem Schaden die im Versicherungsschein genannte Selbstbeteiligung tragen.“ | C.2, page 2 |
| Deductible for theft | not addressed | ||
| Deductible in business liability | not addressed | ||
| Security requirements for lot and workshop (fence, lighting, alarm) | not addressed | ||
| Duty to store keys (safe, key cabinet) | not addressed | ||
| Duty to check test driver's licence and ID | not addressed | ||
| Minimum driver age or licence duration | not addressed | ||
| Waiver of the gross negligence defence | not addressed | ||
| Deadline for reporting a claim | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of racing, track days and driving events | not addressed | ||
| Exceptions for alcohol and drugs | not addressed | ||
| Exclusion of wear, operating and breakage damage | not addressed | ||
| Exclusion of the defective own work itself | not addressed | ||
| Exclusion of commercial renting and car sharing | yes | „Schäden an Fahrzeugen, die Sie mit oder ohne Stellung eines Fahrers gewerbsmäßig …“ | E.1.4, page 2 |
| Further special exclusions (war, nuclear, intentional damage) | yes | „Schäden an fremden Fahrzeugen, die bei Ihnen garagenmäßig untergestellt sind oder …“ | E.1.2, page 2 |
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
- Allianz Versicherungs-Aktiengesellschaft
- Distribution
- through tied agents
- Sonderbedingung für Kfz-Handel und -Handwerk (KRB 588/12), ergänzt die AKB-NF Edition: KRB 588/12, FKRB-0588Z0 01.09.2020 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 und Handwerkversicherung and available as plain text.
Volltext Allianz und Handwerkversicherung Kfz-Handel und Handwerk · As text (Markdown) Allianz und Handwerkversicherung Motor trade