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R+V All Inclusive für das Baugewerbe: the policy wording in full
Allgemeines Rückrufkostenrisiko als wählbarer Baustein der Haftpflicht All Inclusive für das Baugewerbe: Fremd- und Eigenrückruf zur Vermeidung von Personen-, Sach- und reinen Vermögensschäden, mit Beratungskosten, Zwischenlagerung bis sechs Monate und Frist von sechs Jahren nach Auslieferung.
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Everything about this policy
What the policy covers: 70 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for R+V All Inclusive für das
Baugewerbe.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for recall costs per insured event | as stated in the policy schedule | „Der Versicherungsschutz für das Allgemeine Rückrufkostenrisiko richtet sich nach Ziffer …“ | 7, page 114 |
| Annual aggregate limit for all recalls in one insurance year | not addressed | ||
| Stand-alone recall cover with its own sum (not just a sublimit of general or product liability) | yes | „Allgemeines Rückrufkostenrisiko - soweit vereinbart -“ | 7, page 114 |
| The insured event is the recall carried out during the policy period (not only damage that has occurred) | yes | „Versicherungsfall ist der während der Wirksamkeit der Versicherung erfolgte Rückruf.“ | 7.2.1, page 115 |
| Third-party recall: claims by third parties (customers, final manufacturers, traders) for the costs of a recall they carried out | yes, up to the sum insured | „wurde und der Versicherungsnehmer hierfür in Anspruch genommen wird“ | 7.1.1, page 114 |
| Own recall: the policyholder's own costs for recalling its products | yes, up to the sum insured | „Rückrufverpflichtung unter vorgenannten Voraussetzungen selbst einen Rückruf im Sinne …“ | 7.1.5, page 114 |
| Third-party products containing the policyholder's products (combined, mixed, processed, installed) | yes | „als auch Produkte Dritter sein, die Erzeugnisse des“ | 7.1.4, page 114 |
| Recall of motor vehicles because of vehicle parts, accessories or supplied components (motor recall costs) | no | „Kein Versicherungsschutz besteht für Kraft-, Luft- und“ | 7.1.3, page 114 |
| Trading companies, importers and own-brand sellers included | yes | „gelieferten oder vertriebenen Erzeugnisse“ | 7.1.3, page 114 |
| Co-insured companies (subsidiaries, sites) and persons | not addressed |
Recall triggers
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Recall to avert imminent personal injury | yes | „zur Vermeidung von Personen- und Sachschäden ein Rückruf im Sinne von Ziffer 7.2.1“ | 7.1.1, page 114 |
| Recall also to avert imminent property damage | yes | „zur Vermeidung von Personen- und Sachschäden ein Rückruf im Sinne von Ziffer 7.2.1“ | 7.1.1, page 114 |
| Recall ordered by an authority | yes | „aufgrund behördlicher Anordnung“ | 7.1.1, page 114 |
| Recall without an official order on the basis of a legal obligation | yes | „Rückruf ist die auf gesetzlicher Verpflichtung beruhende Aufforderung“ | 7.2.1, page 115 |
| Precautionary recall without a legal obligation (voluntary, goodwill or at the customer's request) | no | „Rückruf ist die auf gesetzlicher Verpflichtung beruhende Aufforderung“ | 7.2.1, page 115 |
| A suspected defect is enough if supported by sufficient sample findings or other objective facts | yes | „aufgrund festgestellter oder nach objektiven Tatsachen, insbesondere ausreichenden“ | 7.1.1, page 114 |
| Recall from end consumers | yes | „an Endverbraucher, Groß- und Einzelhändler, Vertrags- oder sonstige Werkstätten“ | 7.2.1, page 115 |
| Recall from traders and distribution partners before the products reach the end consumer | yes | „an Endverbraucher, Groß- und Einzelhändler, Vertrags- oder sonstige Werkstätten“ | 7.2.1, 7.7.4, page 115 |
| Warning, retrofit or on-site repair instead of taking the products back | yes | „Als Rückruf gilt auch die Warnung vor nicht sicheren Erzeugnissen“ | 7.2.1, page 115 |
| Remedies under product safety law (EU General Product Safety Regulation 2023/988): repair, replacement or refund | not addressed | ||
| Accidental contamination or mislabelling as a trigger (product contamination cover, mainly food and cosmetics) | not addressed | ||
| Malicious product tampering and product extortion as a trigger | no | „Ansprüche aus Rückrufen infolge behaupteter, angedrohter oder tatsächlicher mut- bzw …“ | 7.7.5, page 118 |
Covered costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Notifying customers and warning the public (letters, advertisements, media) | yes, up to the sum insured | „die Feststellung und Benachrichtigung der Endverbraucher, Groß- und Einzelhändler …“ | 7.3.1, page 115 |
| Identifying the affected products and their holders (tracing) | yes, up to the sum insured | „die Feststellung und Benachrichtigung der Endverbraucher, Groß- und Einzelhändler …“ | 7.3.1, page 115 |
| Pre-sorting and inspection of the products (testing and sorting costs) | yes, up to the sum insured | „das Vorsortieren der vom Rückruf betroffenen Erzeugnisse“ | 7.3.2, 7.3.4, 7.3.5, page 115 |
| Transport of the recalled products | yes, up to the sum insured | „den Transport der Erzeugnisse zum Versicherungsnehmer oder autorisierten Stellen“ | 7.3.3, page 115 |
| Interim storage of the recalled products | yes, up to the sum insured | „Zeitraums bis zu sechs Monaten“ | 7.3.6, page 116 |
| Removal of defective and installation of sound products (replacement labour) | yes, up to the sum insured | „den Austausch mangelhafter Erzeugnisse (nicht jedoch von deren Einzelteilen)“ | 7.3.7, 7.3.8, page 116 |
| Rework or repair of the products instead of replacement where cheaper | yes, up to the sum insured | „die Reparatur mangelhafter Erzeugnisse im eingebauten Zustand sowie Ersatz- bzw.“ | 7.3.9, page 116 |
| Delivery of sound replacement products (transport to the customer) | yes, up to the sum insured | „den Transport nach- oder neugelieferter mangelfreier Erzeugnisse im Sinne von Ziffer 7.3.7“ | 7.3.10, page 117 |
| Value of the replacement products or refund of the purchase price | no | „Vom Versicherungsschutz ausgenommen bleiben die Kosten für die Nach- oder Neulieferung …“ | 7.3.7, page 116 |
| Destruction or disposal of the products | yes, up to the sum insured | „die Beseitigung bzw. Vernichtung der ausgebauten Erzeugnisse“ | 7.3.11, page 117 |
| Additional staff costs (overtime, temporary staff, hotline) | yes, up to the sum insured | „Reisekosten, Überstundenzuschläge, Spesen und Übernachtungszuschläge“ | 7.3.7, page 116 |
| Crisis consultants, public relations and experts | yes, up to the sum insured | „Versichert sind die Kosten aus der Beauftragung eines unabhängigen Sicherheits- oder …“ | 7.4, page 117 |
| Loss of profit and business interruption caused by the recall | no | „aus Folgeschäden, wie zum Beispiel aus Betriebsunterbrechung, Produktionsausfall und …“ | 7.7.7, page 118 |
| Rehabilitation costs to restore sales and market share | not addressed | ||
| Examination of liability and defence against unjustified claims for recall costs | not addressed |
Limits, deductible, territory
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Deductible per recall | yes, up to the sum insured | „Die Selbstbeteiligungen finden Sie in der Leistungsübersicht.“ | 7.5, page 117 |
| Several recalls from the same cause count as one insured event (series clause) | yes | „gelten unabhängig von ihrem tatsächlichen Eintritt als in dem Zeitpunkt eingetreten, in …“ | 7.6.1, page 117 |
| Recall costs count against the sum insured of general and product liability | not addressed | ||
| Recalls in Europe covered | not addressed | ||
| Recalls worldwide covered | not addressed | ||
| Recalls in the USA and Canada covered | not addressed | ||
| Products delivered before inception included (retroactive cover) | yes | „Für Lieferungen vor Vertragsbeginn besteht nur dann Versicherungsschutz, wenn bereits …“ | 7.8.2, page 119 |
| Extended cover for recalls after the end of the contract | yes | „Es besteht auch Versicherungsschutz für (Einzel-)Versicherungsfälle, die nach …“ | 7.6.2, page 117 |
| Time limit: the recall must take place within a period after delivery | yes | „die innerhalb eines Zeitraumes von sechs Jahren nach der Auslieferung“ | 7.8.1, page 118 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: defects known at the time of delivery | yes | „vor Vertragsbeginn bereits Umstände, Mängel, Fehler oder Vorkommnisse bekannt“ | 7.8.2, page 119 |
| Exclusion: products not tested in line with the state of the art (testing clause) | yes | „Technik oder in sonstiger Weise ausreichend erprobt waren“ | 7.7.3, page 118 |
| Exclusion: deliberate deviation from laws, regulations or the customer's instructions | yes | „durch bewusstes Abweichen von gesetzlichen oder“ | 7.7.1, page 118 |
| Exclusion: mere quality or warranty defects without danger to persons or property | not addressed | ||
| Exclusion: products not yet delivered or placed on the market | yes | „Ansprüche wegen Kosten durch Erzeugnisse, die zum Zeitpunkt des Rückrufes noch nicht an …“ | 7.7.4, page 118 |
| Exclusion: fines, contractual penalties and punitive damages | yes | „Geldstrafen oder Bußgelder sowie Kosten für straf- und verwaltungsrechtliche Verfahren“ | 7.7.7, page 118 |
| Exclusion: undertakings beyond statutory liability (guarantees, recall agreements) | yes | „Ansprüche aus Garantien oder aufgrund sonstiger vertraglicher Haftungserweiterungen“ | 7.7.6, page 118 |
| Exclusion: expiry of shelf life, natural deterioration, wear | not addressed | ||
| Exclusion: aircraft and spacecraft and parts for them | yes | „Kein Versicherungsschutz besteht für Kraft-, Luft- und“ | 7.1.3, page 114 |
| Exclusion: medicines, medical devices, tobacco or other named product groups | not addressed | ||
| Exclusion: recall because of software errors, data loss or cyber attacks | not addressed |
Duties and crisis support
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Notification of the imminent recall to the insurer | not addressed | ||
| Recall measures must be agreed with the insurer before they are carried out | not addressed | ||
| Traceability and marking of the products (batches, serial numbers) required | not addressed | ||
| Recall plan or crisis management in the business required | not addressed | ||
| Quality assurance to a named standard required (certification, incoming and outgoing checks) | not addressed | ||
| Duty to report new products, markets or increases in risk | not addressed | ||
| Insurer's crisis hotline or crisis consultant around the clock | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and renewal | not addressed | ||
| Right to cancel after an insured event | not addressed | ||
| Premium based on turnover with annual declaration and adjustment | not addressed | ||
| Provisional cover for new risks and products | no | „Ziffer 1.16 (Vorsorge und Versehensklausel)“ | 7, page 114 |
| Premium adjustment by the insurer during the term | not addressed | ||
| Future improvements of the terms apply automatically to existing contracts | 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
- R+V Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Bedingungen R+V Haftpflicht All Inclusive für das Baugewerbe (HAI BAU) Edition: HAI BAU Individual, Stand 09/2026 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 R+V All Inclusive für das Baugewerbe and available as plain
text.
Volltext R+V All Inclusive für das Baugewerbe Rückrufkosten · As text (Markdown) R+V All Inclusive für das Baugewerbe Product recall