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WGV Musikinstrumentenversicherung (AVB Musikinstrumente 2019): the policy wording in full
Musikinstrumentenversicherung nach den AVB Musikinstrumente 2025, weltweit zum Neuwert, mit Diebstahl aus Kraftfahrzeugen ohne Nachtzeitklausel, Verzicht auf den Einwand grober Fahrlässigkeit und Kosten bis 2.000 EUR.
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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 WGV Musikinstrumentenversicherung
(AVB Musikinstrumente 2019).
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured (value of the insured instruments including accessories) | as stated in the policy schedule | „Die Versicherungssumme wird zwischen Versicherer und ... Versicherungsnehmer vereinbart …“ | A.5.2.1, page 9 |
| All-risks cover (everything not expressly excluded is insured) | yes | „Der Versicherer haftet innerhalb und außerhalb des ... Wohnsitzes des …“ | A.1.1, page 8 |
| Insured instruments (acoustic, electric, electronic, keyboards, percussion) | yes | „Versichert ist das im Versicherungsschein genannte Mu“ | A.3.1, page 9 |
| Accessories covered (cases, bows, stands, sheet music) | yes, up to the sum insured | „Sofern beantragt erstreckt sich die Versicherung auch auf“ | A.3.2, page 9 |
| Sound and stage equipment insurable (amplifiers, effects, microphones, PA, lighting) | yes, up to the sum insured | „Aufbewahrungszubehör, Bögen, Noten-/Instrumenten- ... ständer, Verstärker, Verzerrer …“ | A.3.2, page 9 |
| Basis of settlement: replacement value, current value or agreed value | yes | „Versichert ist der Neuwert.“ | A.5.1.1, page 9 |
| Agreed value with waiver of proof of value at the time of loss | not addressed | ||
| 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) | no | „Dies gilt nicht, wenn der Versicherungsnehmer gewerbsmäßig handelt (z.B. als …“ | A.1.4, page 8 |
| Borrowed, hired and entrusted third party instruments | not addressed | ||
| Territorial scope (home, country, Europe, worldwide) | yes | „Die Versicherung gilt weltweit.“ | A.1.5, page 8 |
Insured perils
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakage and damage from dropping, impact or knocking over | yes, up to the sum insured | „für Beschädigung, Zerstörung oder Verlust eines versicherten“ | A.1.1, page 8 |
| 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 ver“ | A.1.4, page 8 |
| Theft by burglary | yes, up to the sum insured | „entstanden durch: Transport, Transportmittelunfall, Diebstahl, Diebstahl aus …“ | A.1.2, page 8 |
| Robbery | yes, up to the sum insured | „Unterschlagung, Raub, räuberische“ | A.1.2, page 8 |
| Simple theft (without forced entry, e.g. from rehearsal room or dressing room) | yes, up to the sum insured | „entstanden durch: Transport, Transportmittelunfall, Diebstahl, Diebstahl aus …“ | A.1.2, page 8 |
| Loss, mislaying, leaving behind | yes, up to the sum insured | „Veruntreuung, Unterschlagung, Raub, räuberische Erpressung, Vertauschen, Liegenlassen“ | A.1.2, page 8 |
| Fire, escape of water, storm and hail | yes, up to the sum insured | „Brand, Blitz, Ex ... plosion, Wasser, unvorhergesehene Wetterereignisse“ | A.1.2, page 8 |
| Other natural hazards (flood, earthquake, avalanche, landslide) | yes, up to the sum insured | „Erpressung, Vertauschen, Liegenlassen, Brand, Blitz ... und elementare Ereignisse.“ | A.1.2, page 8 |
| Liquid damage (spilled drinks, rain at open air performances) | not addressed | ||
| Power surge, short circuit and lightning for electric instruments and equipment | no | „Innere Schäden und Defekte (z.B. Nichtfunktionieren, ... Kurzschluss), Röhren- und …“ | A.2.2.7, page 9 |
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 Schä ... den, entstanden durch …“ | A.1.2, page 8 |
| Accident of the means of transport (car, rail, aircraft, ship) | yes, up to the sum insured | „entstanden durch: Transport, Transportmittelunfall“ | A.1.2, page 8 |
| Cover during performances, rehearsals, lessons and recordings | yes, up to the sum insured | „Die Versicherung erstreckt sich ununterbrochen auf die ... Zeit, während sich der …“ | A.1.3, page 8 |
| Theft from a parked, locked vehicle | yes, up to the sum insured | „Transportmittelunfall, Diebstahl, Diebstahl aus Kraftfahrzeugen“ | A.1.2, page 8 |
| 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 | „Schäden, die beim Transport durch ein Beförderungs ... oder Transportunternehmen …“ | B.3.3.2.2.5, page 13 |
| Storage in hotels, backstage, dressing rooms or third party premises | not addressed | ||
| 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 | „Bei beschädigten Sachen ersetzt der Versicherer die not“ | A.6.2, page 9 |
| Loss of value after professional repair | no | „Eine durch den Versicherungsfall etwa entstehende und ... durch die Reparatur nicht …“ | A.6.3, page 9 |
| Settlement for total loss or disappearance | yes, up to the sum insured | „Der Versicherer ersetzt bei zerstörten oder abhandenge“ | A.6.1, page 9 |
| Hire or replacement instrument during repair | yes, up to EUR 2,000 | „tretenden Kosten für die Überlassung eines Leihinstru“ | A.4.2, page 9 |
| Transport to and from the workshop | yes, up to EUR 2,000 | „für den Versand des reparaturfähigen beschädigten In“ | A.4.1, page 9 |
| Costs of experts and valuations | yes, up to the sum insured | „Der Versicherer ersetzt bis zur vereinbarten Höhe die“ | B.4.11.2.1, page 16 |
| Search, salvage and recovery costs | yes, up to the sum insured | „Versichert sind Aufwendungen, auch erfolglose, die der“ | B.4.11.1.1, page 16 |
| 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 Nutzungsausfall“ | A.6.4, page 9 |
| Waiver of underinsurance | no | „Ist die Versicherungssumme bei Eintritt des Versiche ... rungsfalls niedriger als der …“ | A.5.2.2, page 9 |
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 Abnutzung und Verschleiß im Rahmen des bestim“ | A.2.2.4, page 9 |
| Exclusion of damage from temperature, humidity and climate (cracks) | yes | „durch die Einwirkung von Hitze oder Kälte, Luftfeuchtig“ | A.2.2.2, page 9 |
| Exclusion of damage from vermin, woodworm, rust and corrosion | not addressed | ||
| Exclusion of internal mechanical or electrical breakdown | yes | „Innere Schäden und Defekte (z.B. Nichtfunktionieren, ... Kurzschluss), Röhren- und …“ | A.2.2.7, page 9 |
| Exclusion of scratches and finish damage without loss of function | yes | „Gebrauchs entstanden sind sowie reine ... Lack-, Kratz- und Schrammschäden;“ | A.2.2.4, page 9 |
| Exclusion of consumable parts (strings, drum heads, reeds, bow hair) | yes | „durch Leimlösungen sowie an geplatzten Fellen oder ge“ | A.2.2.3, page 9 |
| Exclusion of damage during repair, restoration or processing | yes | „durch die Bearbeitung, Reparatur, Restaurierung und Rei“ | A.2.2.5, page 9 |
| Gross negligence covered (no reduction) | yes, up to the sum insured | „grob fahrlässig herbei, wird auf den Einwand der groben ... Fahrlässigkeit verzichtet.“ | B.4.13.1.2, page 16 |
| Exclusion of confiscation and seizure by authorities (e.g. customs) | yes | „der Beschlagnahme, Entziehung oder sonstiger Eingriffe“ | A.2.1.3, page 9 |
| Exclusion of war, civil unrest, terrorism and nuclear energy | yes | „des Krieges, Bürgerkrieges oder kriegsähnlicher Ereig“ | A.2.1.1, page 8 |
Obligations and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Transport only in a suitable case | yes | „Bei der Beförderung, dem Transport oder Versand, hat ... der Versicherungsnehmer dafür …“ | A.8.2, page 10 |
| 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) | not addressed | ||
| Proof of value or valuation required at inception | not addressed | ||
| Police report without delay after theft or loss | yes | „Schäden durch strafbare Handlungen gegen das Eigen ... tum unverzüglich der Polizei …“ | B.3.3.2.2.4, page 13 |
| Deadline for notifying a claim | yes | „em Versicherer den Schadeneintritt, nachdem er von ... ihm Kenntnis erlangt hat …“ | B.3.3.2.2.3, page 13 |
| Insurer's consent required before repair | not addressed | ||
| Short term cover for single trips, tours or loan periods | yes | „Bei einer Vertragsdauer von weniger als einem Jahr en“ | B.2.1.3, page 12 |
| 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 dem Eintritt eines Versicherungsfalls kann jede der“ | B.2.2.1, page 12 |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- WGV-Versicherung AG, Württembergische Gemeinde-Versicherung auf Gegenseitigkeit
- Distribution
- direct from the insurer only
- Vertragsunterlagen zu Ihrer Musikinstrumentenversicherung (AVB Musikinstrumente 2019) Edition: AVB Musikinstrumente 2025, Druckstück 4000-4702.0626 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 WGV Musikinstrumentenversicherung (AVB Musikinstrumente 2019)
and available as plain text.
Volltext WGV Musikinstrumentenversicherung (AVB Musikinstrumente 2019) Instrumentenversicherung · As text (Markdown) WGV Musikinstrumentenversicherung (AVB Musikinstrumente 2019)