Insurance broker / Oil tank liability insurance / Policy wording archive
Gothaer mit: the policy wording in full
Gewässerschadenhaftpflicht Anlagenrisiko nach Abschnitt F der BBR 02/18 (GDV-Muster XV), als eigener Vertrag oder in der Privathaftpflicht Plus und Premium für versicherte Gebäude eingeschlossen, mit Eigenschäden, Umweltschadensgesetz, vierfacher Jahresmaximierung und Kosten außerhalb der Deckungssumme.
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Everything about this policy
What the policy covers: 65 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for Gothaer mit.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined sum insured for bodily injury, property damage and financial loss per claim | as stated in the policy schedule | „Der Versicherungsschutz wird im Rahmen der beantragten Einheitsdeckungssumme …“ | F 2., page 45 |
| Annual aggregate limit | yes, up to the sum insured | „beträgt das Vierfache dieser Einheitsdeckungssumme.“ | F 2., page 45 |
| Available as a standalone policy | yes | „Gewässerschaden-Haftpflichtversicherung ... Zusatzbedingungen für die Versicherung der …“ | Garantie-Paket, page 59 |
| Only available as an add-on to private, homeowner or household cover | no | „Gothaer Privathaftpflicht Plus versichert“ | BBR A III. 1.2 k), page 19 |
| Cover for strict (no fault) liability as operator of the installation | yes | „Versichert ist die Haftpflicht des Versicherungsnehmers als Inhaber von Anlagen zur …“ | F 1. (1), page 45 |
| Wording follows the association model terms, deviations listed | yes | „Muster-Bedingungsstruktur XV: Zusatzbedingungen für die Versicherung der Haftpflicht …“ | Garantie-Paket, page 59 |
| Deductible per claim | not addressed | ||
| Territorial scope (location of the installation, property abroad) | not addressed |
Insured installations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Above ground heating oil tank | yes | „die gesetzliche Haftpflicht als Inhaber von Tankanlagen für Heizöl.“ | BBR A III. 1.2 k), page 19 |
| Underground heating oil tank | not addressed | ||
| Maximum tank capacity covered without special agreement (litres) | yes | „Heizöltanks der versicherten Objekte (keine Literbegrenzung)“ | Leistungsübersicht, page 10 |
| Several tanks or battery tanks on the same property | not addressed | ||
| Associated pipes, fittings, pumps and burner | not addressed | ||
| Small containers of water hazardous substances without declaration | yes | „mit einem einzelnen Fassungsvermögen bis zu 100 l/kg und einer Gesamtmenge bis 1.000 l/kg.“ | BBR E I. 4., page 44 |
| Other private installations with water hazardous substances | yes | „Ferner für Anlagen der Erneuerbaren Energien, Flüssiggastanks, Abwassergruben und …“ | BBR A III. 1.2 k), page 19 |
| Systems with heat transfer fluid (solar thermal, geothermal probe, heat pump) | yes | „Ferner für Anlagen der Erneuerbaren Energien“ | BBR A III. 1.2 k), page 19 |
| Tank in a rented out house, apartment building or condominium | not addressed | ||
| Tank at a holiday home or further owner occupied property | not addressed | ||
| Automatic cover for new or enlarged installations | no | „Die Bestimmungen der Ziffer 3.1 (3) und 4 AHB ... Vorsorgeversicherung ... finden keine …“ | F 5., page 45 |
| Damage during filling of the tank (overfilling, hose failure) | not addressed |
Covered damage and costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Bodily injury resulting from water pollution | yes, up to the sum insured | „mittelbare Folgen (Personen-, Sach- und Vermögensschäden) von Veränderungen der …“ | F 1. (1), page 45 |
| Third party property damage resulting from water pollution | yes, up to the sum insured | „mittelbare Folgen (Personen-, Sach- und Vermögensschäden) von Veränderungen der …“ | F 1. (1), page 45 |
| Financial loss resulting from water pollution without bodily injury or property damage | not addressed | ||
| Expressly covers damage to groundwater | yes, up to the sum insured | „chemischen oder biologischen Beschaffenheit eines Gewässers einschließlich des …“ | F 1. (1), page 45 |
| Costs to prevent or mitigate imminent water damage | yes, up to the sum insured | „Gutachterkosten werden vom Versicherer insoweit übernommen, als sie zusammen mit der“ | F 3. (1), page 45 |
| Rescue costs also for a mere leak before any water damage occurs | not addressed | ||
| Damage to the insured's own land and building caused by leaked substances | yes, up to the sum insured | „Schäden an unbeweglichen Sachen des Versicherungsnehmers, die dadurch verursacht werden“ | F 7., page 45 |
| Remediation of the insured's own soil (excavation, disposal, backfilling) | not addressed | ||
| Replacement of the leaked heating oil | not addressed | ||
| Costs of experts, soil reports and measurements | yes, up to the sum insured | „sowie außergerichtliche Gutachterkosten werden vom Versicherer insoweit übernommen“ | F 3. (1), page 45 |
| Public law remediation duties under environmental liability law | yes, up to the sum insured | „Mitversichert ist ... die gesetzliche Pflicht öffentlich-rechtlichen Inhalts zur …“ | F 1. (1), page 45 |
| Defence of unjustified claims and costs in addition to the sum insured | yes, up to the sum insured | „Die Aufwendungen des Versicherers für Kosten werden nicht auf die Deckungssummen …“ | AHB 6.5, page 50 |
| Gradual pollution (slow leak), not only sudden events | yes | „Dies gilt auch bei allmählichem Eindringen der Stoffe in die Sachen.“ | F 7., page 45 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of intent | yes | „Versicherungsansprüche aller Personen, die den Schaden vorsätzlich herbeigeführt haben.“ | AHB 7.1, page 51 |
| Exclusion for deliberate breach of water protection rules | yes | „die den Schaden durch vorsätzliches Abweichen von dem Gewässerschutz dienenden Gesetzen,“ | F 4., page 45 |
| Exclusion of damage from force majeure and natural events (flood, earthquake) | yes | „Das Gleiche gilt für Schäden durch höhere Gewalt, soweit sich elementare Naturkräfte …“ | F 6., page 45 |
| Exclusion of damage to the installation itself | yes | „Ausgeschlossen bleiben Schäden an der Anlage selbst.“ | F 7., page 45 |
| Exclusion for known, unremedied defects | not addressed | ||
| Exclusion of decommissioned tanks not cleaned | not addressed | ||
| Exclusion of commercial or agricultural use | not addressed | ||
| Exclusion of fines, penalties and punitive damages | not addressed | ||
| Exclusion of claims between co-insured persons and relatives | yes | „zwischen mehreren Mitversicherten desselben Versicherungsvertrages.“ | AHB 7.4, page 51 |
| Exclusion of contractually assumed liability beyond statutory liability | not addressed | ||
| Exclusion of contamination existing before inception | not addressed |
Obligations and duties
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Statutory inspections as contractual obligation | not addressed | ||
| Duty to maintain the installation by a specialist | not addressed | ||
| Required safety equipment (bund, leak detector, overfill protection) | not addressed | ||
| Duty to notify changes to the installation | not addressed | ||
| Deadline for claim notification | yes | „dem Versicherer innerhalb einer Woche anzuzeigen.“ | AHB 25.1, page 57 |
| Reduction of benefit for grossly negligent breach of obligations | yes | „Bei grob fahrlässiger Verletzung einer Obliegenheit ist der Versicherer“ | AHB 26.2, page 57 |
| No reduction where the breach did not affect the loss | yes | „Verletzung der Obliegenheit weder für den Eintritt oder die Feststellung des …“ | AHB 26.2, page 57 |
Extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Run off cover after sale of the property or end of the contract | not addressed | ||
| Retroactive cover for contamination unknown at inception | not addressed | ||
| Tenants, users and family members co-insured | not addressed | ||
| Property managers, caretakers and appointed persons co-insured | yes | „Mitversichert sind die Personen, die der Versicherungsnehmer durch Arbeitsvertrag mit der“ | F 1. (3), page 45 |
| Update clause (improved terms apply automatically) | yes | „werden ausschließlich zum Vorteil der Versicherungsnehmer und ohne Mehrbeitrag geändert:“ | Innovationsklausel, page 59 |
| Difference in conditions cover when switching from another insurer | not addressed | ||
| Definition of the insured event (occurrence, discovery or claims made) | yes | „Schadenereignis ist das Ereignis, als dessen Folge die Schädigung des Dritten unmittelbar“ | AHB 1.1, page 49 |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium basis (capacity in litres, tank type, number) | not addressed | ||
| Contract term and notice period | not addressed | ||
| Insurer's right to cancel after a claim | yes | „vom Versicherer eine Schadensersatzzahlung geleistet wurde oder“ | AHB 19.1, page 55 |
| Premium adjustment clause | yes | „Die Versicherungsbeiträge unterliegen der Beitragsangleichung.“ | AHB 15.1, page 54 |
Specifics Spain
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Building owner liability including the heating oil tank | not addressed | ||
| Only sudden and accidental pollution covered | not addressed | ||
| Reference to the Consorcio de Compensación de Seguros for extraordinary risks | 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
- Gothaer Allgemeine Versicherung Aktiengesellschaft, Gothaer Versicherungsbank VVaG
- Distribution
- brokers and direct
- Gothaer Haftpflicht Bedingungen (AHB 04/12, BBR 02/18, Stand 04/19) Edition: Stand 04/19, AHB 04/12, BBR 02/18 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 Gothaer mit and available as plain text.