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ARAG für Vereine und Verbände: the policy wording in full
Musikinstrumentenversicherung nach den AVB Musikinstrumente 1994/2008 gegen Beschädigung und Verlust im Gebrauch, auf Transporten und in Ruhe, Ersatz zum gemeinen Wert, Geltungsbereich laut Versicherungsschein; angeboten für Vereine und Verbände.
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Everything about this policy
What the policy covers: 67 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for ARAG für Vereine und Verbände.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured (value of the insured instruments including accessories) | as stated in the policy schedule | „die Versicherungssumme bildet lediglich die Grenze der“ | 14.2, page 5 |
| All-risks cover (everything not expressly excluded is insured) | yes | „Der Versicherer haftet innerhalb und außerhalb des Wohnsitzes des Versicherungsnehmers …“ | 1.1, page 1 |
| Insured instruments (acoustic, electric, electronic, keyboards, percussion) | not addressed | ||
| Accessories covered (cases, bows, stands, sheet music) | not addressed | ||
| Sound and stage equipment insurable (amplifiers, effects, microphones, PA, lighting) | not addressed | ||
| Basis of settlement: replacement value, current value or agreed value | no | „Wert des versicherten Gegenstandes am Tage des Schadens ist der Versicherungswert.“ | 9.1, page 4 |
| Agreed value with waiver of proof of value at the time of loss | no | „Die Versicherung selbst begründet keinen Beweis für das Vorhandensein und den Wert der …“ | 14.2, page 5 |
| Cover for appreciation in value of the instrument | not addressed | ||
| Automatic cover for newly acquired instruments until notified | not addressed | ||
| Professional use covered (professional musicians, teachers, students) | not addressed | ||
| Borrowed, hired and entrusted third party instruments | not addressed | ||
| Territorial scope (home, country, Europe, worldwide) | yes | „Die Versicherung gilt für die im Versicherungsschein angegebenen Länder.“ | 1.5, page 1 |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakage and damage from dropping, impact or knocking over | yes, up to the sum insured | „für Beschädigung oder Verlust eines“ | 1.1, page 1 |
| Operating error, clumsiness, negligence | not addressed | ||
| Damage caused by third parties (audience, fellow musicians, malice) | yes, up to the sum insured | „Der Versicherungsschutz gilt auch dann, wenn der versicherte Gegenstand dritten …“ | 1.4, page 1 |
| Theft by burglary | yes, up to the sum insured | „Die Versicherung erstreckt sich insbesondere auf Schäden, entstanden durch: Transport …“ | 1.2, page 1 |
| Robbery | yes, up to the sum insured | „Raub, räuberische Erpressung“ | 1.2, page 1 |
| Simple theft (without forced entry, e.g. from rehearsal room or dressing room) | yes, up to the sum insured | „Die Versicherung erstreckt sich insbesondere auf Schäden, entstanden durch: Transport …“ | 1.2, page 1 |
| Loss, mislaying, leaving behind | yes, up to the sum insured | „Unterschlagung, Raub, räuberische Erpressung, Vertauschen, Liegenlassen“ | 1.2, page 1 |
| Fire, escape of water, storm and hail | yes, up to the sum insured | „Liegenlassen, Brand, Blitz, Explosion, Wasser und elementare Ereignisse.“ | 1.2, page 1 |
| Other natural hazards (flood, earthquake, avalanche, landslide) | yes, up to the sum insured | „Brand, Blitz, Explosion, Wasser und elementare Ereignisse.“ | 1.2, page 1 |
| Liquid damage (spilled drinks, rain at open air performances) | not addressed | ||
| Power surge, short circuit and lightning for electric instruments and equipment | not addressed |
Transit, performance and travel
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Transit damage while carried or transported by the insured | yes, up to the sum insured | „Die Versicherung erstreckt sich insbesondere auf Schäden, entstanden durch: Transport“ | 1.2, page 1 |
| Accident of the means of transport (car, rail, aircraft, ship) | yes, up to the sum insured | „entstanden durch: Transport, Transportmittelunfall“ | 1.2, page 1 |
| Cover during performances, rehearsals, lessons and recordings | yes, up to the sum insured | „Die Versicherung erstreckt sich ununterbrochen auf diejenige Zeit, während der der …“ | 1.3, page 1 |
| Theft from a parked, locked vehicle | not addressed | ||
| Night clause for instruments left in a vehicle (no cover during certain hours) | not addressed | ||
| Checked baggage and hold on flights | not addressed | ||
| Shipment by post, courier, forwarder or carrier | yes, up to the sum insured | „Bei Versand durch die Post können Gegenstände bis zu dem im Versicherungsvertrag …“ | 13.3, page 5 |
| Storage in hotels, backstage, dressing rooms or third party premises | yes, up to the sum insured | „dritten Personen zur Benutzung oder in Gewahrsam übergeben“ | 1.4, page 1 |
| Maximum duration of trips or stays abroad | not addressed |
Benefits after a loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Repair costs by a specialist workshop or instrument maker | yes, up to the sum insured | „im Falle einer reparaturfähigen Beschädigung, soweit der Versicherer keine erstrangige …“ | 16.1, page 6 |
| Loss of value after professional repair | yes, up to the sum insured | „letztere kann bei Geigen, Bratschen oder Violoncelli mit einem Handelswert von …“ | 2.2.4, page 1 |
| Settlement for total loss or disappearance | yes, up to the sum insured | „bei Totalverlust den Versicherungswert ohne Abzug“ | 16.1, page 6 |
| Hire or replacement instrument during repair | not addressed | ||
| Transport to and from the workshop | yes, up to the sum insured | „die Reparaturkosten und etwaige Versandkosten“ | 16.1, page 6 |
| Costs of experts and valuations | not addressed | ||
| Search, salvage and recovery costs | yes, up to the sum insured | „Aufwendungen, auch erfolglose, die der Versicherungsnehmer ... zur Abwendung oder …“ | 9.3, page 4 |
| Pair and set clause (loss of value of the remaining part, e.g. instrument and bow) | not addressed | ||
| Loss of income or extra costs for professional musicians (cancelled gig, replacement) | no | „sowie für Vermögensnachteile durch Benutzungsausfall kommt der Versicherer nicht auf.“ | 16.2, page 6 |
| Waiver of underinsurance | no | „Ist die Versicherungssumme bei Eintritt des Versicherungsfalles niedriger als der …“ | 9.2, page 4 |
Excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess per claim | not addressed | ||
| Higher excess for theft or loss | not addressed | ||
| Excess or reduction for theft from a vehicle | not addressed | ||
| Optional excess in return for a lower premium | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of wear and tear and ageing | yes | „durch gewöhnliche Abnutzung, Entwertung oder Wertminderung entstehen“ | 2.2.4, page 1 |
| Exclusion of damage from temperature, humidity and climate (cracks) | not addressed | ||
| Exclusion of damage from vermin, woodworm, rust and corrosion | not addressed | ||
| Exclusion of internal mechanical or electrical breakdown | not addressed | ||
| Exclusion of scratches and finish damage without loss of function | not addressed | ||
| Exclusion of consumable parts (strings, drum heads, reeds, bow hair) | not addressed | ||
| Exclusion of damage during repair, restoration or processing | not addressed | ||
| Gross negligence covered (no reduction) | no | „führt der Versicherungsnehmer den Versicherungsfall grob fahrlässig herbei, ist der …“ | 2.2.1, page 1 |
| Exclusion of confiscation and seizure by authorities (e.g. customs) | yes | „der Beschlagnahme, Entziehung oder sonstiger Eingriffe von hoher Hand“ | 2.1.3, page 1 |
| Exclusion of war, civil unrest, terrorism and nuclear energy | yes | „des Krieges, Bürgerkrieges oder kriegsähnlicher Ereignisse“ | 2.1.1, page 1 |
Obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Transport only in a suitable case | yes | „dass der versicherte Gegenstand in verschlossenen, zum Transport solcher Instrumente …“ | 13.2, page 5 |
| Supervision duty when away from home (theft only covered if supervised or locked) | not addressed | ||
| Rules for instruments in vehicles (locked, out of sight, boot) | yes | „Bei Beförderung durch Kraftwagen ist das versicherte Instrument derart zu verstauen, zu …“ | 13.6, page 5 |
| Proof of value or valuation required at inception | not addressed | ||
| Police report without delay after theft or loss | yes | „Bei Diebstahl, Abhandenkommen, Raub, räuberischer Erpressung und Brandschaden ... hat …“ | 14.3, page 5 |
| Deadline for notifying a claim | yes | „Der Versicherungsnehmer ist verpflichtet, jeden Schadenfall unverzüglich dem …“ | 14.1, page 5 |
| Insurer's consent required before repair | yes | „vorausgesetzt, dass vorher ein Kostenvoranschlag eingereicht und die Höhe der …“ | 16.1, page 6 |
| Short term cover for single trips, tours or loan periods | yes | „Die Versicherung besteht für die vereinbarte Dauer.“ | 8.1, page 4 |
| Blanket policy for orchestras, associations, music schools or ensembles | not addressed | ||
| Minimum contract term | not addressed | ||
| Insurer's right to cancel after a claim | yes | „Nach Eintritt eines Versicherungsfalls können beide Parteien den Versicherungsvertrag …“ | 19, page 6 |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- ARAG Allgemeine Versicherungs-Aktiengesellschaft, DARAG Deutschland AG
- Distribution
- brokers and direct
- ARAG Musikinstrumentenversicherung (Flyer Vereine und Verbände) Edition: AVB Musikinstrumente 1994/2008, Stand 01. Januar 2008 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 ARAG für Vereine und Verbände and available as plain text.
Volltext ARAG für Vereine und Verbände Instrumentenversicherung · As text (Markdown) ARAG für Vereine und Verbände