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ERGO Musikinstrumentenversicherung: the policy wording in full
Allgefahrendeckung für Musikinstrumente samt Zubehör weltweit zum Zeitwert, mit Nachtzeitklausel für Fahrzeuge und Zuschlag für Elektronik, Celli und Harfen.
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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 ERGO Musikinstrumentenversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured (value of the insured instruments including accessories) | as stated in the policy schedule | ||
| All-risks cover (everything not expressly excluded is insured) | yes | „Während des Transports, des Gebrauchs, des Aufenthalts innerhalb und außerhalb des …“ | Versicherungsumfang, page 1 |
| Insured instruments (acoustic, electric, electronic, keyboards, percussion) | yes | „Musikinstrumente einschließlich Zubehör wie z. B. Noten, Geigenkästen …“ | Versicherte Sachen, page 1 |
| Accessories covered (cases, bows, stands, sheet music) | yes, up to the sum insured | „Musikinstrumente einschließlich Zubehör wie z. B. Noten, Geigenkästen“ | Versicherte Sachen, page 1 |
| Sound and stage equipment insurable (amplifiers, effects, microphones, PA, lighting) | yes, up to the sum insured | „Die isolierte Versicherung von Verstärkeranlagen etc. ist nicht möglich.“ | Versicherte Sachen, page 1 |
| Basis of settlement: replacement value, current value or agreed value | no | „Versicherungswert: Zeitwert.“ | Versicherungswert, page 1 |
| Agreed value with waiver of proof of value at the time of loss | not addressed | ||
| Cover for appreciation in value of the instrument | yes, up to the sum insured | „Einschluss von Wertminderung bei Meistergeigen, Meisterbratschen und Meistercelli.“ | Beitragszuschlag, page 1 |
| 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 | „Geltungsbereich: Ganze Welt.“ | Geltungsbereich, page 1 |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakage and damage from dropping, impact or knocking over | not addressed | ||
| Operating error, clumsiness, negligence | not addressed | ||
| Damage caused by third parties (audience, fellow musicians, malice) | yes, up to the sum insured | „Versicherungsschutz besteht auch dann, wenn die Gegenstände dritten Personen zur …“ | Versicherungsumfang, page 1 |
| Theft by burglary | yes, up to the sum insured | „insbesondere gegen Unfall des Transportmittels, Diebstahl, Abhandenkommen“ | Versicherungsumfang, page 1 |
| Robbery | yes, up to the sum insured | „Unterschlagung, Raub, räuberische Erpressung, Vertauschen“ | Versicherungsumfang, page 1 |
| Simple theft (without forced entry, e.g. from rehearsal room or dressing room) | yes, up to the sum insured | „Die Versicherung gegen Diebstahl bei Nichtgebrauch setzt die Aufbewahrung der …“ | Versicherungsumfang, page 1 |
| Loss, mislaying, leaving behind | yes, up to the sum insured | „Diebstahl, Abhandenkommen, Veruntreuung, Unterschlagung, Raub, räuberische Erpressung …“ | Versicherungsumfang, page 1 |
| Fire, escape of water, storm and hail | yes, up to the sum insured | „Vertauschen, Brand, Blitz, Explosion, Wasser und Elementarereignisse.“ | Versicherungsumfang, page 1 |
| Other natural hazards (flood, earthquake, avalanche, landslide) | yes, up to the sum insured | „Brand, Blitz, Explosion, Wasser und Elementarereignisse.“ | Versicherungsumfang, 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 | „Während des Transports, des Gebrauchs“ | Versicherungsumfang, page 1 |
| Accident of the means of transport (car, rail, aircraft, ship) | yes, up to the sum insured | „insbesondere gegen Unfall des Transportmittels, Diebstahl, Abhandenkommen“ | Versicherungsumfang, page 1 |
| Cover during performances, rehearsals, lessons and recordings | yes, up to the sum insured | „Während des Transports, des Gebrauchs, des Aufenthalts innerhalb und außerhalb des …“ | Versicherungsumfang, page 1 |
| Theft from a parked, locked vehicle | yes, up to the sum insured | „so besteht Versicherungsschutz gegen Schäden durch Diebstahl oder Abhandenkommen nur …“ | Versicherungsumfang, page 1 |
| Night clause for instruments left in a vehicle (no cover during certain hours) | yes | „dass der Schaden nicht zwischen 22.00 Uhr und 6.00 Uhr eingetreten ist oder das …“ | Versicherungsumfang, page 1 |
| Checked baggage and hold on flights | not addressed | ||
| Shipment by post, courier, forwarder or carrier | not addressed | ||
| Storage in hotels, backstage, dressing rooms or third party premises | yes, up to the sum insured | „Versicherungsschutz besteht auch dann, wenn die Gegenstände dritten Personen zur …“ | Versicherungsumfang, 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 | not addressed | ||
| Loss of value after professional repair | yes, up to the sum insured | „Einschluss von Wertminderung bei Meistergeigen, Meisterbratschen und Meistercelli.“ | Beitragszuschlag, page 1 |
| Settlement for total loss or disappearance | not addressed | ||
| Hire or replacement instrument during repair | not addressed | ||
| Transport to and from the workshop | not addressed | ||
| Costs of experts and valuations | not addressed | ||
| Search, salvage and recovery costs | not addressed | ||
| 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) | not addressed | ||
| Waiver of underinsurance | not addressed |
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 | not addressed | ||
| 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) | not addressed | ||
| Exclusion of confiscation and seizure by authorities (e.g. customs) | not addressed | ||
| Exclusion of war, civil unrest, terrorism and nuclear energy | not addressed |
Obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Transport only in a suitable case | not addressed | ||
| 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 | „Befinden sich die versicherten Sachen in einem Fahrzeug, das im Freien, in Parkhäusern …“ | Versicherungsumfang, page 1 |
| Proof of value or valuation required at inception | yes | „Bei Instrumenten mit einer Einzelversicherungssumme ab 10.000 Euro ist die Vorlage von …“ | Hinweise, page 1 |
| Police report without delay after theft or loss | not addressed | ||
| Deadline for notifying a claim | not addressed | ||
| Insurer's consent required before repair | not addressed | ||
| Short term cover for single trips, tours or loan periods | no | „Es können nur Jahresverträge abgeschlossen werden.“ | Hinweise, page 1 |
| Blanket policy for orchestras, associations, music schools or ensembles | not addressed | ||
| Minimum contract term | yes | „Es können nur Jahresverträge abgeschlossen werden.“ | Hinweise, page 1 |
| Insurer's right to cancel after a claim | not addressed |
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
- ERGO Direkt Versicherung Aktiengesellschaft, ERGO Versicherung Aktiengesellschaft
- Distribution
- not known
- ERGO Musikinstrumentenversicherung, Antragsunterlagen mit Bedingungen (50058602) Edition: Produktbeschreibung aus den Antragsunterlagen, ohne Datum Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for ERGO Musikinstrumentenversicherung and available as plain
text.
Volltext ERGO Musikinstrumentenversicherung Instrumentenversicherung · As text (Markdown) ERGO Musikinstrumentenversicherung