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Interlloyd Gewässerschadenhaftpflicht: the policy wording in full
Eigenständige Gewässerschadenhaftpflicht für Inhaber von Anlagen zur Lagerung gewässerschädlicher Stoffe (zum Beispiel Öltank); ausgewertet ist nur das Produktinformationsblatt.
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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 Interlloyd Gewässerschadenhaftpflicht.
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 | „Die Höhe der vereinbarten Versicherungssummen können Sie Ihrem Antrag oder auch Ihrem …“ | Wie hoch ist die Versicherungssumme?, page 1 |
| Annual aggregate limit | not addressed | ||
| Available as a standalone policy | yes | „Wir bieten Ihnen eine Gewässerhaftpflichtversicherung an.“ | Um welche Art von Versicherung handelt es sich?, page 1 |
| Only available as an add-on to private, homeowner or household cover | no | „Produkt: Gewässerschaden-Haftpflichtversicherung“ | Kopf, page 1 |
| Cover for strict (no fault) liability as operator of the installation | yes | „Versichert ist Ihre Haftpflicht als Inhaber von Anlagen zur Lagerung von …“ | Was ist versichert?, page 1 |
| Wording follows the association model terms, deviations listed | not addressed | ||
| Deductible per claim | not addressed | ||
| Territorial scope (location of the installation, property abroad) | yes | „Auch bei im Ausland eintretenden Versicherungsfällen sind Sie geschützt, wenn diese auf …“ | Wo bin ich versichert?, page 1 |
Insured installations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Above ground heating oil tank | yes | „Anlagen zur Lagerung von gewässerschädlichen Stoffen (zum Beispiel Öltank)“ | Was ist versichert?, page 1 |
| Underground heating oil tank | not addressed | ||
| Maximum tank capacity covered without special agreement (litres) | not addressed | ||
| 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 | not addressed | ||
| Other private installations with water hazardous substances | not addressed | ||
| Systems with heat transfer fluid (solar thermal, geothermal probe, heat pump) | not addressed | ||
| 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 | not addressed | ||
| 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 | „für Personen-, Sach- und Vermögensschäden als Folge von Gewässerschäden“ | Was ist versichert?, page 1 |
| Third party property damage resulting from water pollution | yes, up to the sum insured | „für Personen-, Sach- und Vermögensschäden als Folge von Gewässerschäden“ | Was ist versichert?, page 1 |
| Financial loss resulting from water pollution without bodily injury or property damage | yes, up to the sum insured | „für Personen-, Sach- und Vermögensschäden als Folge von Gewässerschäden“ | Was ist versichert?, page 1 |
| Expressly covers damage to groundwater | yes, up to the sum insured | „Vom Versicherungsschutz sind insbesondere Schäden durch die Verschmutzung des …“ | Was ist versichert?, page 1 |
| Costs to prevent or mitigate imminent water damage | yes, up to the sum insured | „Kosten, die Sie zur Minderung oder Vermeidung von Schäden aufgewendet haben.“ | Was ist versichert?, page 1 |
| 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 | not addressed | ||
| 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 | not addressed | ||
| Public law remediation duties under environmental liability law | not addressed | ||
| Defence of unjustified claims and costs in addition to the sum insured | not addressed | ||
| Gradual pollution (slow leak), not only sudden events | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of intent | yes | „aus vorsätzlicher Handlung.“ | Gibt es Deckungsbeschränkungen?, page 1 |
| Exclusion for deliberate breach of water protection rules | not addressed | ||
| Exclusion of damage from force majeure and natural events (flood, earthquake) | not addressed | ||
| Exclusion of damage to the installation itself | not addressed | ||
| Exclusion for known, unremedied defects | not addressed | ||
| Exclusion of decommissioned tanks not cleaned | not addressed | ||
| Exclusion of commercial or agricultural use | yes | „gewerblich genutzte Anlagen.“ | Was ist nicht versichert?, page 1 |
| Exclusion of fines, penalties and punitive damages | not addressed | ||
| Exclusion of claims between co-insured persons and relatives | yes | „zwischen Mitversicherten.“ | Gibt es Deckungsbeschränkungen?, page 1 |
| Exclusion of contractually assumed liability beyond statutory liability | yes | „Ansprüche für eine nicht erbrachte Leistung, zu der Sie sich durch eine vertragliche …“ | Was ist nicht versichert?, page 1 |
| 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 | yes | „Sprechen Sie uns bitte an, wenn Ihre Angaben zum Versicherungsantrag oder zum Vertrag …“ | Welche Verpflichtungen habe ich?, page 1 |
| Deadline for claim notification | not addressed | ||
| Reduction of benefit for grossly negligent breach of obligations | not addressed | ||
| No reduction where the breach did not affect the loss | not addressed |
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 | „Personen, die Sie durch Arbeitsvertrag mit der Verwaltung, Reinigung, Beleuchtung und …“ | Was ist versichert?, page 1 |
| Update clause (improved terms apply automatically) | not addressed | ||
| Difference in conditions cover when switching from another insurer | not addressed | ||
| Definition of the insured event (occurrence, discovery or claims made) | not addressed |
Contract and premium
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Premium basis (capacity in litres, tank type, number) | not addressed | ||
| Contract term and notice period | yes | „Sie können den Vertrag zum Ablauf der zunächst vereinbarten Vertragsdauer und zum …“ | Wie kann ich den Vertrag kündigen?, page 2 |
| Insurer's right to cancel after a claim | not addressed | ||
| Premium adjustment clause | not addressed |
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.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Interlloyd Versicherungs-Aktiengesellschaft
- Distribution
- available through brokers
- Gewässerschadenhaftpflicht Produktinformationsblatt Edition: ohne Datum 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 Interlloyd Gewässerschadenhaftpflicht and available as plain text.
Volltext Interlloyd Gewässerschadenhaftpflicht · As text (Markdown) Interlloyd Gewässerschadenhaftpflicht