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VPV Haus- und Grundbesitzer-, Bauherren-, - und: the policy wording in full

Eigenständige Gewässerschadenhaftpflicht für das Anlagenrisiko nach Abschnitt A5 der VPV-Bedingungen (Stand 06.2026), mit reinen Vermögensschäden, Eigenschäden, häuslichen Abwässern, zweifacher Jahresmaximierung und Kosten außerhalb der Versicherungssumme.

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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 VPV Haus- und Grundbesitzer-, Bauherren-, - und.

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	„Unsere Entschädigungsleistung ist bei jedem Versicherungsfall auf die vereinbarten …“	A5 5.1, page 32
Annual aggregate limit	yes, up to the sum insured	„Unsere Entschädigungsleistungen sind für alle Versicherungsfälle eines …“	A5 5.2, page 32
Available as a standalone policy	yes	„Vertragsinformationen und Bedingungen für die Gewässerschadenhaftpflicht 2024 (AHB …“	Inhalt, page 1
Only available as an add-on to private, homeowner or household cover	no	„Für die beitragspflichtige Haftpflichtversicherung des Anlagenrisikos gelten die …“	A5, page 31
Cover for strict (no fault) liability as operator of the installation	yes	„Versichert ist im Umfang der nachfolgenden Bestimmungen Ihre gesetzliche Haftpflicht …“	A5 1, page 31
Wording follows the association model terms, deviations listed	not addressed
Deductible per claim	not addressed
Territorial scope (location of the installation, property abroad)	yes	„Versichert ist Ihre gesetzliche Haftpflicht wegen im Ausland eintretender …“	A5 6.3, page 32

Insured installations

Point	Rule	Wording (German)	Clause
Above ground heating oil tank	yes	„Anlagen zur Lagerung von gewässerschädlichen Stoffen“	A5 1, page 31
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	yes, up to the sum insured	„aus Erhöhungen oder Erweiterungen des versicherten Risikos.“	A5 8.1, page 35
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	„das einen Personen-, Sach- oder sich daraus ergebenden Vermögensschaden zur Folge hatte“	A5 3.1, page 31
Third party property damage resulting from water pollution	yes, up to the sum insured	„das einen Personen-, Sach- oder sich daraus ergebenden Vermögensschaden zur Folge hatte“	A5 3.1, page 31
Financial loss resulting from water pollution without bodily injury or property damage	yes, up to the sum insured	„Versichert ist Ihre gesetzliche Haftpflicht wegen Vermögensschäden, die weder durch …“	A5 6.4, page 33
Expressly covers damage to groundwater	yes, up to the sum insured	„Wasserbeschaffenheit eines Gewässers einschließlich des Grundwassers (Gewässerschäden).“	A5 1, page 31
Costs to prevent or mitigate imminent water damage	yes, up to the sum insured	„Diese Kosten werden von uns insoweit übernommen, als sie zusammen mit der …“	A5 6.1.1, page 32
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 Ihren unbeweglichen Sachen, die dadurch verursacht werden, dass die …“	A5 6.2, page 32
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. Diese Kosten werden von uns insoweit übernommen“	A5 6.1.1, page 32
Public law remediation duties under environmental liability law	not addressed
Defence of unjustified claims and costs in addition to the sum insured	yes, up to the sum insured	„Unserer Aufwendungen für Kosten werden nicht auf die Versicherungssummen angerechnet.“	A5 5.5, page 32
Gradual pollution (slow leak), not only sudden events	not addressed

Exclusions

Point	Rule	Wording (German)	Clause
Exclusion of intent	yes	„Ausgeschlossen sind Versicherungsansprüche aller Personen, die den Schaden vorsätzlich …“	A5 7.1.1, page 33
Exclusion for deliberate breach of water protection rules	yes	„Ausgeschlossen sind Versicherungsansprüche aller Personen, die den Schaden dadurch …“	A5 7.18, page 34
Exclusion of damage from force majeure and natural events (flood, earthquake)	yes	„Das Gleiche gilt für Schäden durch höhere Gewalt, soweit sich elementare Naturkräfte …“	A5 7.17, page 34
Exclusion of damage to the installation itself	yes	„Ausgeschlossen bleiben Schäden an der Anlage selbst.“	A5 6.2, page 32
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 Personen desselben Versicherungsvertrags.“	A5 7.3, page 33
Exclusion of contractually assumed liability beyond statutory liability	yes	„Kein Versicherungsschutz besteht für Ansprüche, soweit sie aufgrund einer vertraglichen …“	A5 3.3, page 31
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	„Jeder Versicherungsfall ist uns innerhalb einer Woche anzuzeigen“	B3 2.1 (1), page 41
Reduction of benefit for grossly negligent breach of obligations	yes	„Bei grob fahrlässiger Verletzung der Obliegenheit sind wir berechtigt, unsere Leistung …“	B3 2.3.1, page 41
No reduction where the breach did not affect the loss	yes	„dass die Verletzung der Obliegenheit weder für den Eintritt oder die Feststellung des …“	B3 2.3.3, page 41

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	„Versichert ist die gesetzliche Haftpflicht der Personen, die Sie durch Arbeitsvertrag …“	A5 2.1, page 31
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)	yes	„Schadenereignis ist das Ereignis, als dessen Folge die Schädigung des Dritten …“	A5 3.1, page 31

Contract and premium

Point	Rule	Wording (German)	Clause
Premium basis (capacity in litres, tank type, number)	not addressed
Contract term and notice period	yes	„Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“	B2 1.2, page 39
Insurer's right to cancel after a claim	yes	„von uns eine Schadensersatzzahlung oder eine Zahlung von Sanierungskosten von …“	B2 2.1.1, page 39
Premium adjustment clause	yes	„Die Versicherungsbeiträge unterliegen der Beitragsangleichung.“	A(GB) 3.1, page 36

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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Policy wordings and provider

Legal entity: VPV Allgemeine Versicherungs-AG
Distribution: not known

Bedingungen Haus und Grund, Bauherren, Photovoltaik, Gewässerschadenhaftpflicht (7447, 10/24) Edition: Stand 06.2026 (7447 3.PES.0289) Original from the insurer (PDF, German)
VPV Haus, Grund, Bau, Photovoltaik, Gewässerschaden-Haftpflicht Bedingungen Edition: Stand 06.2026 (7447 3.PES.0289) 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 VPV Haus- und Grundbesitzer-, Bauherren-, - und and available as plain text.

Volltext VPV Haus- und Grundbesitzer-, Bauherren-, - und · As text (Markdown) VPV Haus- und Grundbesitzer-, Bauherren-, - und