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Zurich Gewässerschaden-Haftpflicht (5 oder 50 Mio. Euro): the policy wording in full
Gewässerschadenhaftpflicht für Anlageninhaber (zum Beispiel Öltank) im Zurich Privatschutz mit Versicherungssumme bis 50 Millionen Euro; ausgewertet ist nur die Übersicht in einfacher Sprache, die Bedingungen fehlen.
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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 Zurich Gewässerschaden-Haftpflicht (5 oder 50 Mio. Euro).
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 vereinbarte Versicherungssumme kann bis zu 50 Millionen Euro betragen. Die konkrete …“ | Was ist versichert?, page 1 |
| Annual aggregate limit | not addressed | ||
| Available as a standalone policy | yes | „Gegenstand der Gewässerschaden-Haftpflichtversicherung ist die Prüfung der gegen Sie …“ | Was ist versichert?, page 1 |
| Only available as an add-on to private, homeowner or household cover | not addressed | ||
| 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 | „Die Gewässerschaden-Haftpflichtversicherung gilt in der Bundesrepublik Deutschland und …“ | Wo bin ich versichert?, page 2 |
Insured installations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Above ground heating oil tank | yes | „wie zum Beispiel einem 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 | „Der Versicherungsschutz deckt Personen-, Sach- und Vermögensschäden als Folge von …“ | Was ist versichert?, page 1 |
| Third party property damage resulting from water pollution | yes, up to the sum insured | „Der Versicherungsschutz deckt Personen-, Sach- und Vermögensschäden als Folge von …“ | Was ist versichert?, page 1 |
| Financial loss resulting from water pollution without bodily injury or property damage | yes, up to the sum insured | „Der Versicherungsschutz deckt Personen-, Sach- und Vermögensschäden als Folge von …“ | Was ist versichert?, page 1 |
| Expressly covers damage to groundwater | yes, up to the sum insured | „Insbesondere sind Schäden durch die Verschmutzung des Grundwassers durch Ihren …“ | Was ist versichert?, page 1 |
| Costs to prevent or mitigate imminent water damage | yes, up to the sum insured | „Außerdem sind gebotene Aufwendungen zur Minderung oder Vermeidung von Schäden versichert.“ | 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 | yes, up to the sum insured | „Wir führen dann den Prozess in Vertretung für Sie und übernehmen die Kosten.“ | Welche vertraglichen Verpflichtungen habe ich?, page 2 |
| Gradual pollution (slow leak), not only sudden events | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of intent | yes | „zum Beispiel Fälle aus vorsätzlicher Handlung oder Schadenfälle zwischen Mitversicherten“ | Was ist nicht versichert?, 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 | „Dazu gehören zum Beispiel 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 | „zum Beispiel Fälle aus vorsätzlicher Handlung oder Schadenfälle zwischen Mitversicherten“ | Was ist nicht versichert?, page 1 |
| Exclusion of contractually assumed liability beyond statutory liability | yes | „Zur gesetzlichen Haftpflicht gehört nicht, wenn Sie sich allein 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 | „Informieren Sie uns, wenn sich Änderungen Ihrer ursprünglichen Angaben im Angebot oder …“ | Welche vertraglichen Verpflichtungen habe ich?, page 2 |
| Deadline for claim notification | yes | „Im Schadenfall müssen Sie uns jeden Schadenfall unverzüglich anzeigen, auch wenn gegen …“ | Welche vertraglichen Verpflichtungen habe ich?, page 2 |
| 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 | „Der Versicherungsschutz gilt auch für Personen, die Sie durch Arbeitsvertrag mit der …“ | 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 | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | Wann beginnt und endet der Versicherungsschutz?, page 2 |
| Insurer's right to cancel after a claim | yes | „Hierzu gehört das Recht, dass Sie oder wir den Vertrag auch vorzeitig kündigen können …“ | Wie kann ich den Vertrag kündigen?, page 3 |
| Premium adjustment clause | yes | „Wenn wir eine Beitragsanpassung vornehmen, ohne dass sich Umfang des …“ | Wie kann ich den Vertrag kündigen?, page 3 |
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
- Zurich Insurance Europe AG
- Distribution
- not known
- Gewässerschadenhaftpflichtversicherung, Übersicht in einfacher Sprache (06/2025) Edition: 06/2025 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 Zurich Gewässerschaden-Haftpflicht (5 oder 50 Mio. Euro) and available as plain text.
Volltext Zurich Gewässerschaden-Haftpflicht (5 oder 50 Mio. Euro) · As text (Markdown) Zurich Gewässerschaden-Haftpflicht (5 oder 50 Mio. Euro)