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NÜRNBERGER und Handwerkversicherung: the policy wording in full
Kraftfahrtversicherung für Kfz-Handel und -Handwerk laut Produktübersicht: Haftpflicht 100 Mio. EUR für Fahrzeuge mit roten Kennzeichen, eigene und fremde Fahrzeuge, Kasko bis 75.000 EUR je Fahrzeug und 1 Mio. EUR je Ereignis, Unterschlagung bei Probefahrten mitversichert.
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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 NÜRNBERGER 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 | „Alle Handels- und Werkstattbetriebe, die mit Kraftfahrzeugen zu tun haben“ | Wer benötigt diese Versicherung?, page 1 |
| Premium basis (number of plates, turnover, payroll, staff, vehicle stock) | yes | „Der Beitrag richtet sich nach den individuellen Gegebenheiten Ihres Betriebs“ | Ihre Leistungen, page 1 |
| Annual declaration and premium adjustment | yes | „Einfache Abwicklung, nur eine Meldung jährlich“ | Ihre besonderen Extras, page 2 |
| Own business vehicles with regular plates in the same policy | yes | „Eigene, noch oder schon auf Dritte zugelassene Fahrzeuge“ | Passgenauer Schutz, page 1 |
| Unregistered stock and demo vehicles on the premises | yes, up to the sum insured | „Neu- und Gebrauchtwagen, die dem Betrieb gehören“ | Passgenauer Schutz, 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 | „Eigene und fremde Fahrzeuge mit roten Kennzeichen“ | Passgenauer Schutz, page 1 |
| Liability limit under trade plates | yes, up to EUR 100 million | „Kfz-Haftpflicht mit 100 Mio. EUR Versicherungssumme für Personen-, Sach- und …“ | Ihre Leistungen, page 1 |
| Permitted trips (inspection, test and transfer drives) | not addressed | ||
| 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 | „Kaskoschutz inklusive Kaskofolgeschäden bis zu 75.000 EUR je Fahrzeug und 1 Mio. EUR je …“ | Ihre Leistungen, page 1 |
| Short term and transfer plates included | not addressed | ||
| Test drive by prospective buyers, also unaccompanied | not addressed | ||
| Maximum duration of a test drive | not addressed | ||
| Embezzlement or fraud by test drivers covered | yes, up to the sum insured | „Unterschlagung von Fahrzeugen auf Probefahrten“ | Leistungsübersicht, page 3 |
| 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 in Handels- oder Werkstattobhut“ | Passgenauer Schutz, page 1 |
| Customer vehicles on the premises and in the workshop | not addressed | ||
| Driving customer vehicles (road test after repair, transfer) | not addressed | ||
| Theft of customer vehicles and keys | yes, up to the sum insured | „Brand- und Explosionsschäden, Diebstahl, Raub, unbefugter Gebrauch und Elementarschäden“ | Leistungsübersicht, Teilkasko, page 3 |
| Fire, storm, hail and flood to customer vehicles | yes, up to the sum insured | „Brand- und Explosionsschäden, Diebstahl, Raub, unbefugter Gebrauch und Elementarschäden“ | Leistungsübersicht, Teilkasko, page 3 |
| Vandalism to customer vehicles | yes, up to the sum insured | „Vandalismusschäden“ | Leistungsübersicht, Vollkasko, page 3 |
| Damage caused while working on customer vehicles | not addressed | ||
| Maximum indemnity per customer vehicle | yes, up to EUR 75,000 | „Kaskoschutz inklusive Kaskofolgeschäden bis zu 75.000 EUR je Fahrzeug“ | Ihre Leistungen, page 1 |
| Maximum indemnity per event and year | yes, up to EUR 1 million | „und 1 Mio. EUR je Schadenereignis“ | Ihre Leistungen, 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 | yes, up to the sum insured | „Hakenlastdeckung für nicht gewerbsmäßiges Abschleppen oder Überführen“ | Ihre Leistungen, page 1 |
| 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 | not addressed | ||
| Environmental liability (waste oil, fuel, separators) | not addressed | ||
| Environmental damage under environmental damage law | yes, up to EUR 5 million | „5 Mio. EUR für Schäden nach dem Umweltschadensgesetz“ | Ihre Leistungen, page 1 |
| 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 | „Brand- und Explosionsschäden, Diebstahl, Raub, unbefugter Gebrauch und Elementarschäden“ | Leistungsübersicht, Teilkasko, page 3 |
| Hail, storm and flood on the open lot | yes, up to the sum insured | „Brand- und Explosionsschäden, Diebstahl, Raub, unbefugter Gebrauch und Elementarschäden“ | Leistungsübersicht, Teilkasko, page 3 |
| 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 | not addressed |
Deductibles and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible for custody damage | yes, up to the sum insured | „Verschiedene Selbstbeteiligungen zwischen 400 und 3.500 EUR stehen zur Auswahl“ | Ihre Leistungen, page 1 |
| Deductible for damage under trade plates | yes, up to the sum insured | „Verschiedene Selbstbeteiligungen zwischen 400 und 3.500 EUR stehen zur Auswahl“ | Ihre Leistungen, page 1 |
| 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 | yes | „Kostenersatz bei Brems-, Betriebs- und Bruchschäden“ | Leistungsübersicht, Individueller Schutz, page 4 |
| Exclusion of the defective own work itself | not addressed | ||
| Exclusion of commercial renting and car sharing | not addressed | ||
| Further special exclusions (war, nuclear, intentional damage) | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- NÜRNBERGER Allgemeine Versicherungs-Aktiengesellschaft, NÜRNBERGER BEAMTEN ALLGEMEINE VERSICHERUNG AKTIENGESELLSCHAFT
- Distribution
- brokers and direct
- Produktübersicht Kfz-Handel und -Handwerk (KH352) Edition: KH352_202609 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 NÜRNBERGER und Handwerkversicherung and available as plain
text.
Volltext NÜRNBERGER und Handwerkversicherung Kfz-Handel und Handwerk · As text (Markdown) NÜRNBERGER und Handwerkversicherung Motor trade