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ALTE LEIPZIGER für Kraftfahrzeug-Handel und -Handwerk: the policy wording in full
Sonderbedingungen K 20.3 für Kfz-Handel und -Handwerk: Haftpflicht, Kasko und Kfz-Unfall für Fahrzeuge mit roten Kennzeichen, eigene nicht zugelassene Fahrzeuge und Kundenfahrzeuge in Obhut, Kasko bis 50.000 EUR je Fahrzeug und 250.000 EUR je Ereignis, Prämie nach Stichtagsverfahren.
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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 ALTE LEIPZIGER für
Kraftfahrzeug-Handel und -Handwerk.
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, in denen Reparatur-, Instandsetzungs- und …“ | A 1.1.1, page 1 |
| Premium basis (number of plates, turnover, payroll, staff, vehicle stock) | yes | „Wir berechnen die Prämie nach dem Stichtagsverfahren.“ | D 1.1, page 3 |
| Annual declaration and premium adjustment | yes | „Den Meldebogen reichen Sie uns innerhalb von 14 Tagen nach dem vereinbarten Meldetermin …“ | D 1.2, page 3 |
| Own business vehicles with regular plates in the same policy | yes | „Alle eigenen Fahrzeuge, die noch auf einen anderen zugelassen sind, die der …“ | A 3.3, page 2 |
| Unregistered stock and demo vehicles on the premises | yes, up to the sum insured | „Alle eigenen Fahrzeuge des Versicherungsnehmers, die der Zulassungspflicht unterliegen …“ | A 3.2, page 2 |
| Territorial scope (domestic, Europe, green card) | yes | „Für die versicherten Risiken besteht Versicherungsschutz im Rahmen der Kfz-Versicherung …“ | A2, page 1 |
| 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 | „Alle versicherungspflichtigen, nicht zugelassenen Fahrzeuge, wenn sie auf Ihre …“ | A 3.1, page 2 |
| Liability limit under trade plates | yes, up to the sum insured | „welche Versicherungssummen und ggf. welche Selbstbeteiligungen vereinbart sind.“ | A4, page 2 |
| Permitted trips (inspection, test and transfer drives) | yes | „Diese Fahrzeuge dürfen nach §§ 16 und 28 Fahrzeug-Zulassungsverordnung (FZV) mit diesen …“ | A 3.1, page 2 |
| 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 | „Wir gewähren Kfz-Haftpflicht- und Kaskoversicherungsschutz für die unter A 3 …“ | Teil A, page 1 |
| Short term and transfer plates included | yes | „amtlich abgestempelten roten Kennzeichen b) roten Versicherungskennzeichen oder c) …“ | A 3.1, page 2 |
| Test drive by prospective buyers, also unaccompanied | not addressed | ||
| Maximum duration of a test drive | not addressed | ||
| Embezzlement or fraud by test drivers covered | not addressed | ||
| Exclusion of private use under trade plates | yes | „zu einem Zweck verwenden, der keiner Prüfungs-, Probe- oder Überführungsfahrt (vgl. A …“ | B 1.2.3, page 3 |
| 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 | „Alle fremden Fahrzeuge, wenn und solange sie sich zu irgendeinem Zweck, der sich aus …“ | A 3.4, page 2 |
| Customer vehicles on the premises and in the workshop | yes, up to the sum insured | „Die Obhut beginnt mit Übernahme des Fahrzeugs und endet mit der Rückgabe an den Kunden.“ | A 1.1.3, page 1 |
| Driving customer vehicles (road test after repair, transfer) | yes, up to the sum insured | „Obhut besteht auch außerhalb der Betriebsstätte im Zusammenhang mit“ | A 1.1.3, page 1 |
| Theft of customer vehicles and keys | not addressed | ||
| Fire, storm, hail and flood to customer vehicles | not addressed | ||
| Vandalism to customer vehicles | not addressed | ||
| Damage caused while working on customer vehicles | not addressed | ||
| Maximum indemnity per customer vehicle | yes, up to EUR 50,000 | „für das einzelne Fahrzeug auf 50.000 EUR.“ | A 4.2.3, page 2 |
| Maximum indemnity per event and year | yes, up to EUR 250,000 | „für das einzelne Schadenereignis auf den Betrag von 250.000 EUR“ | A 4.2.3, page 2 |
| Pick up and delivery service with customer vehicles | yes, up to the sum insured | „im Rahmen des Hol- und Bringservice durch eigene Mitarbeiter.“ | A 1.1.3, page 1 |
| Damage in the own car wash | not addressed | ||
| Towing and recovery of customer vehicles | not addressed | ||
| Valuation of customer vehicles (replacement value, current value) | not addressed |
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 | yes, up to the sum insured | „Bei fremden Fahrzeugen besteht zusätzlich Versicherungsschutz für Sie und Ihre …“ | A 4.2.2, page 2 |
| 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 | „Alle eigenen Fahrzeuge des Versicherungsnehmers, die der Zulassungspflicht unterliegen …“ | A 3.2, page 2 |
| Hail, storm and flood on the open lot | not addressed | ||
| 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) | not addressed | ||
| Spare parts, tools and equipment | not addressed | ||
| Business interruption | not addressed | ||
| Vehicles on own transporter or trailer | yes, up to the sum insured | „Fahrzeuge, die auf der Ladefläche von Güterfahrzeugen oder auf Eisenbahnwagen überführt …“ | A 5.3.2, page 3 |
Deductibles and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible for custody damage | yes, up to the sum insured | „Die von Ihnen gewählte Selbstbeteiligung gilt je Schadenereignis und je Fahrzeug.“ | A 4.2.1, page 2 |
| Deductible for damage under trade plates | yes, up to the sum insured | „Die von Ihnen gewählte Selbstbeteiligung gilt je Schadenereignis und je Fahrzeug.“ | A 4.2.1, 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 | yes | „sowie über die Verwendung auf nicht genehmigten Rennen.“ | B 2.1, page 3 |
| Exceptions for alcohol and drugs | yes | „Fahren unter dem Einfluss von Alkohol oder anderer berauschender Mittel“ | B 2.1, page 3 |
| 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, wenn und solange der Versicherungsnehmer die Fahrzeuge mit oder …“ | A 5.1.4, page 3 |
| Further special exclusions (war, nuclear, intentional damage) | yes | „Alle fremden Fahrzeuge, die bei Ihnen garagenmäßig untergestellt werden.“ | A 5.1.1, page 2 |
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Policy wordings and provider
- Legal entity
- Alte Leipziger Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Sonderbedingungen zur Kfz-Haftpflicht- und Kaskoversicherung für Kraftfahrzeug-Handel und -Handwerk (K 20) Edition: K 20.3, Stand 01.10.2025 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 ALTE LEIPZIGER für Kraftfahrzeug-Handel und -Handwerk and
available as plain text.
Volltext ALTE LEIPZIGER für Kraftfahrzeug-Handel und -Handwerk Kfz-Handel und Handwerk · As text (Markdown) ALTE LEIPZIGER für Kraftfahrzeug-Handel und -Handwerk Motor trade