Insurance broker / Oil tank liability insurance / Policy wording archive
InterRisk Konzept XXL: the policy wording in full
Gewässerschadenhaftpflicht mit Anlagenrisiko im XXL-Konzept (B65 auf Basis B62), mit reinen Vermögensschäden, Eigenschäden an Grundstück und Gebäude, Umweltschadensgesetz, Kosten außerhalb der Versicherungssumme und Kaution bis 250.000 Euro.
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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 InterRisk Konzept XXL.
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 | „als sie zusammen mit der Entschädigungsleistung die Versicherungssumme nicht übersteigen.“ | § 5 Nr. 1.1, page 2 |
| Annual aggregate limit | not addressed | ||
| Available as a standalone policy | yes | „Bedingungen zur Gewässerschadenhaftpflichtversicherung „XXL““ | Titel, page 1 |
| Only available as an add-on to private, homeowner or household cover | no | „Besteht im Rahmen eines gebündelten Vertrages neben dieser …“ | § 9, page 3 |
| Cover for strict (no fault) liability as operator of the installation | yes | „Der Versicherungsschutz bezieht sich nicht nur auf die Haftpflicht aus § 89 des …“ | Erläuterungen zu § 1, page 3 |
| Wording follows the association model terms, deviations listed | not addressed | ||
| 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 | „Ihre gesetzliche Haftpflicht als Inhaber der im Versicherungsschein bezeichneten …“ | § 1, page 2 |
| 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 unmittelbare oder mittelbare Folgen (Personen-, ... und Vermögensschäden) von …“ | § 1, page 2 |
| Third party property damage resulting from water pollution | yes, up to the sum insured | „für unmittelbare oder mittelbare Folgen (Personen-, ... und Vermögensschäden) von …“ | § 1, page 2 |
| Financial loss resulting from water pollution without bodily injury or property damage | yes, up to the sum insured | „Versicherungsschutz besteht auch für Vermögensschäden, die weder durch Personen- noch …“ | Erläuterungen zu § 1, page 3 |
| Expressly covers damage to groundwater | yes, up to the sum insured | „Beschaffenheit eines Gewässers einschließlich des Grundwassers (Gewässerschäden).“ | § 1, page 2 |
| Costs to prevent or mitigate imminent water damage | yes, up to the sum insured | „werden von uns insoweit übernommen, als sie zusammen mit der Entschädigungsleistung die …“ | § 5 Nr. 1.1, page 2 |
| Rescue costs also for a mere leak before any water damage occurs | yes, up to the sum insured | „Rettungskosten entstehen bereits dann, wenn der Eintritt des Schadenereignisses ohne …“ | Erläuterungen zu § 5, page 3 |
| Damage to the insured's own land and building caused by leaked substances | yes, up to the sum insured | „auch ohne dass ein Gewässerschaden droht oder eintritt ... Schäden an Ihnen gehörenden …“ | § 4 Nr. 1.1, page 2 |
| Remediation of the insured's own soil (excavation, disposal, backfilling) | yes, up to the sum insured | „Versichert sind auch Pflichten oder Ansprüche wegen Umweltschäden an Ihnen gehörenden …“ | § 6 Nr. 1, page 2 |
| 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 von uns insoweit übernommen“ | § 5 Nr. 1.1, page 2 |
| Public law remediation duties under environmental liability law | yes, up to the sum insured | „auch die gesetzliche Pflicht öffentlich-rechtlichen Inhalts der versicherten Personen …“ | § 6 Nr. 1, page 2 |
| Defence of unjustified claims and costs in addition to the sum insured | yes, up to the sum insured | „Gerichts- und Anwaltskosten werden entsprechend § 3 Nr. 3 der B62 auch über die …“ | Erläuterungen zu § 5, page 3 |
| Gradual pollution (slow leak), not only sudden events | yes | „Dies gilt auch bei allmählichem Eindringen der Stoffe in die Sachen.“ | § 4 Nr. 1.1, page 2 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of intent | yes | „aller Personen, die den Schaden vorsätzlich oder durch vorsätzliches Abweichen von dem …“ | § 3 e, page 2 |
| Exclusion for deliberate breach of water protection rules | yes | „durch vorsätzliches Abweichen von dem Gewässerschutz dienenden Gesetzen, Verordnungen …“ | § 3 e, page 2 |
| Exclusion of damage from force majeure and natural events (flood, earthquake) | yes | „wegen Schäden durch höhere Gewalt, soweit sich elementare Naturkräfte ausgewirkt haben,“ | § 3 d, page 2 |
| Exclusion of damage to the installation itself | yes | „Ausgeschlossen bleiben Schäden an den Anlagen selbst.“ | § 4 Nr. 1.3, page 2 |
| 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 | not addressed | ||
| Exclusion of contractually assumed liability beyond statutory liability | yes | „wegen Haftpflichtansprüchen, soweit sie aufgrund eines Vertrages oder Zusagen über den …“ | § 3 b, page 2 |
| 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 | not addressed | ||
| Reduction of benefit for grossly negligent breach of obligations | not addressed | ||
| No reduction where the breach did not affect the loss | yes | „Die in § 8 der B62 genannten Folgen treten bei versehentlicher Obliegenheitsverletzung …“ | § 8, page 3 |
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 ist die gesetzliche Haftpflicht von Personen, die von Ihnen durch …“ | § 2, page 2 |
| 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 | not addressed | ||
| 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.
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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
- InterRisk Versicherungs-AG Vienna Insurance Group.
- Distribution
- available through brokers
- Versicherungsbedingungen Gewässerschadenhaftpflicht-Konzept XXL (B65, 06.25) Edition: B65 gültig ab 07.2013, Druckstand 06.26.2 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 InterRisk Konzept XXL and available as plain text.
Volltext InterRisk Konzept XXL · As text (Markdown) InterRisk Konzept XXL