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OCC für Fahrten mit rotem Kennzeichen: the policy wording in full
Sonderbedingung für Prüf-, Probe- und Überführungsfahrten mit rotem Kennzeichen für Händler, Hersteller und Werkstätten: Haftpflicht, Teil- oder Vollkasko und Umweltschaden, Kasko höchstens bis zum Wiederbeschaffungswert und dem Versicherungswert laut Schein.
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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 OCC für Fahrten mit rotem
Kennzeichen.
Basics and type of contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Covered types of business (dealer, workshop, body shop, paint, tyres, filling station, towing) | yes | „Sonderbedingung für die Kfz-Versicherung von Prüf-, Probe- und Überführungsfahrten mit …“ | Titel, page 1 |
| Premium basis (number of plates, turnover, payroll, staff, vehicle stock) | not addressed | ||
| Annual declaration and premium adjustment | not addressed | ||
| Own business vehicles with regular plates in the same policy | not addressed | ||
| Unregistered stock and demo vehicles on the premises | not addressed | ||
| 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 | „für alle versicherungspflichtigen, nicht zugelassenen Fahrzeuge, wenn sie auf Ihre …“ | A, page 1 |
| Liability limit under trade plates | not addressed | ||
| Permitted trips (inspection, test and transfer drives) | yes | „Probefahrten sind Fahrten zur Feststellung und zum Nachweis der Gebrauchsfähigkeit des …“ | A, 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 | „Kaskoversicherung als Teil- oder Vollkaskoversicherung (A.2 AKB)“ | A, 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 | not addressed | ||
| Exclusion of private use under trade plates | yes | „Kein Versicherungsschutz besteht, sofern die Fahrzeuge zu einem anderen Zweck als in § …“ | B.2, page 2 |
| Logbook and record keeping duties | not addressed |
Customer vehicles in custody
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Damage to customer vehicles in custody | not addressed | ||
| 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 | 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 the sum insured | „zahlen wir maximal bis zum Wiederbeschaffungswert am Tag des Schadens (gemäß A.2.5.1.6 …“ | B.1.1, page 2 |
| Maximum indemnity per event and year | not addressed | ||
| 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 | „zahlen wir maximal bis zum Wiederbeschaffungswert am Tag des Schadens“ | B.1.1, page 2 |
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 the sum insured | „Kfz-Umweltschadenversicherung (A.6 AKB)“ | A, 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 | not addressed | ||
| 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) | yes | „zahlen wir maximal bis zum Wiederbeschaffungswert am Tag des Schadens“ | B.1.1, page 2 |
| 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 | not addressed | ||
| Deductible for damage under trade plates | not addressed | ||
| 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 | not addressed | ||
| Further special exclusions (war, nuclear, intentional damage) | yes | „Auch bei längerer Nichtnutzung der Fahrzeuge (z. B. Abstellung über Nacht innerhalb …“ | B.2, page 2 |
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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- OCC Assekuradeur GmbH
- Distribution
- available through brokers
- Sonderbedingung für die Kfz-Versicherung von Prüf-, Probe- und Überführungsfahrten mit rotem Kennzeichen (für Händler, Hersteller und Werkstätten) Edition: Stand 09.2024 (Risikoträger Provinzial Nord Brandkasse) 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 OCC für Fahrten mit rotem Kennzeichen and available as plain
text.
Volltext OCC für Fahrten mit rotem Kennzeichen Kfz-Handel und Handwerk · As text (Markdown) OCC für Fahrten mit rotem Kennzeichen Motor trade