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WWK Haftpflichtversicherungen: the policy wording in full

Gewässerschadenhaftpflicht der WWK für Anlagen zur Lagerung gewässerschädlicher Stoffe nach AHB 2008 und Zusatzbedingungen Gewässerschäden 2008, mit Eigenschäden (250 Euro Selbstbeteiligung), zweifacher Jahresmaximierung, ohne Vorsorgeversicherung.

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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 WWK Haftpflichtversicherungen.

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 …“	ZB Gewässer 2., page 53
Annual aggregate limit	yes, up to the sum insured	„Die Gesamtleistung für alle Versicherungsfälle eines ... das Doppelte dieser …“	ZB Gewässer 2., page 53
Available as a standalone policy	yes	„Wir bieten Ihnen eine Gewässerschadenhaftpflichtversicherung an.“	Informationsblatt Gewässer, page 3
Only available as an add-on to private, homeowner or household cover	no	„Zusatzbedingungen zur Privat- sowie Haus- oder Grundbesitzerhaftpflichtversicherung für …“	ZB Gewässer Titel, page 53
Cover for strict (no fault) liability as operator of the installation	yes	„bezieht sich nicht nur auf die Haftpflicht aus § 22 des Wasserhaushaltsgesetzes …“	ZB Gewässer Risikobeschreibung 1., page 53
Wording follows the association model terms, deviations listed	not addressed
Deductible per claim	EUR 250	„Von jedem Schaden hat der Versicherungsnehmer 250,00 EUR selbst zu tragen.“	ZB Gewässer 7., page 53
Territorial scope (location of the installation, property abroad)	yes	„In der Gewässerschadenhaftpflichtversicherung gilt die im Antrag und …“	Informationsblatt Gewässer, page 3

Insured installations

Point	Rule	Wording (German)	Clause
Above ground heating oil tank	yes	„Versichert ist Ihre Haftpflicht als Inhaber von Anlagen zur Lagerung von …“	Informationsblatt Gewässer, page 3
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	no	„Vorsorgeversicherung ... finden keine Anwendung.“	ZB Gewässer 5., page 53
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	„Versicherungsschutz besteht für Personen-, Sach- und Vermögensschäden als Folge von …“	Informationsblatt Gewässer, page 3
Third party property damage resulting from water pollution	yes, up to the sum insured	„Versicherungsschutz besteht für Personen-, Sach- und Vermögensschäden als Folge von …“	Informationsblatt Gewässer, page 3
Financial loss resulting from water pollution without bodily injury or property damage	yes, up to the sum insured	„Versicherungsschutz besteht für Personen-, Sach- und Vermögensschäden als Folge von …“	Informationsblatt Gewässer, page 3
Expressly covers damage to groundwater	yes, up to the sum insured	„Vertragsgegenstand sind insbesondere Schäden durch die Verschmutzung des Grundwassers …“	Informationsblatt Gewässer, page 3
Costs to prevent or mitigate imminent water damage	yes, up to the sum insured	„werden vom Versicherer insoweit übernommen, als sie zusammen mit der …“	ZB Gewässer 3.1., page 53
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, excess EUR 250	„auch ohne dass ein Gewässerschaden droht oder eintritt ... Schäden an unbeweglichen …“	ZB Gewässer 7., page 53
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“	ZB Gewässer 3.1., page 53
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	„nicht auf die Versicherungssummen angerechnet.“	AHB 2008 6.5, page 22
Gradual pollution (slow leak), not only sudden events	not addressed

Exclusions

Point	Rule	Wording (German)	Clause
Exclusion of intent	yes	„Versicherungsansprüche aller Personen, die den Schaden vorsätzlich herbeigeführt haben.“	AHB 2008 7.1, page 22
Exclusion for deliberate breach of water protection rules	yes	„vorsätzliches Abweichen von dem Gewässerschutz dienenden Gesetzen, Verordnungen, an den …“	ZB Gewässer 4., page 53
Exclusion of damage from force majeure and natural events (flood, earthquake)	yes	„Das Gleiche gilt für Schäden durch höhere Gewalt, soweit sich elementare Naturkräfte …“	ZB Gewässer 6., page 53
Exclusion of damage to the installation itself	yes	„Ausgeschlossen bleiben Schäden an der Anlage“	ZB Gewässer 7., page 53
Exclusion for known, unremedied defects	not addressed
Exclusion of decommissioned tanks not cleaned	not addressed
Exclusion of commercial or agricultural use	yes	„Dazu gehören z.B.: gewerblich genutzte Anlagen.“	Informationsblatt Gewässer, page 3
Exclusion of fines, penalties and punitive damages	not addressed
Exclusion of claims between co-insured persons and relatives	yes	„zwischen mehreren Mitversicherten desselben“	AHB 2008 7.4, page 22
Exclusion of contractually assumed liability beyond statutory liability	yes	„Zur gesetzlichen Haftpflicht gehört nicht, wenn Sie sich allein durch eine vertragliche …“	Informationsblatt Gewässer, page 3
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	„Teilen Sie uns mit, ob und in welcher Form sich das versicherte Risiko verändert hat.“	Informationsblatt Gewässer, page 3
Deadline for claim notification	yes	„Jeder Versicherungsfall ist dem Versicherer unverzüglich anzuzeigen, auch wenn noch …“	AHB 2008 25.1., page 28
Reduction of benefit for grossly negligent breach of obligations	yes	„Weist der Versicherungsnehmer nach, dass er die Obliegenheit nicht grob fahrlässig …“	AHB 2008 26.2, page 28
No reduction where the breach did not affect the loss	yes	„Der Versicherungsschutz bleibt auch bestehen, wenn der Versicherungsnehmer nachweist …“	AHB 2008 26.2, page 28

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 ... durch Arbeitsvertrag mit der Verwaltung …“	ZB Gewässer 1.3., page 53
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“	AHB 2008 1.1, page 21

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 oder wir können den Vertrag zum Ablauf der zunächst vereinbarten Vertragsdauer und …“	Informationsblatt Gewässer, page 4
Insurer's right to cancel after a claim	yes	„vom Versicherer eine Schadensersatzzahlung“	AHB 2008 19.1, page 26
Premium adjustment clause	yes	„Die Versicherungsbeiträge unterliegen der Beitragsangleichung.“	AHB 2008 15.1., page 25

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

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Policy wordings and provider

Legal entity: WWK Allgemeine Versicherung Aktiengesellschaft
Distribution: brokers and direct

WWK Bedingungen Haftpflichtversicherungen Edition: Informationsblatt 20180101, Zusatzbedingungen Gewässerschäden 2008 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 WWK Haftpflichtversicherungen and available as plain text.

Volltext WWK Haftpflichtversicherungen · As text (Markdown) WWK Haftpflichtversicherungen