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GEV HomeCare HuG Top: the policy wording in full
HomeCare HuG Top nach AVB 2021 mit GDV-Leistungsgarantie, Bauvorhaben bis 250.000 Euro Bausumme, Forderungsausfall für Mietsachschäden und Vorsorge bis 250.000 Euro, ohne Heizöltank und ohne Schlüsselverlust.
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Everything about this policy
What the policy covers: 67 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for GEV HomeCare HuG Top.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | „Die Entschädigungsleistung des Versicherers ist bei jedem ... die im …“ | A1-5.1, page 4 |
| Annual aggregate (multiple of the limit per year) | yes, up to the sum insured | „Zweifache der vereinbarten Versicherungssumme begrenzt.“ | A1-5.2, page 4 |
| Limit per injured person | none | „Dies gilt auch dann, wenn sich der“ | A1-5.1, page 4 |
| Deductible per claim | none | „Falls vereinbart, beteiligt sich der Versicherungsnehmer bei“ | A1-5.4, page 4 |
| Guarantee to meet at least the association's model conditions | yes | „Der Versicherer garantiert die Einhaltung der in den ... Musterbedingungen des GDV (AVB …“ | A1-6.13 (1), page 6 |
| Update guarantee (future improvements at no extra premium) | yes | „so gelten die neuen Bedingungen mit sofortiger Wirkung ... auch für diesen Vertrag.“ | A1-6.13 (2), page 6 |
| Territorial scope (location of the property, events abroad) | yes | „wegen im Ausland eintretender Versicherungsfälle“ | A1-6.7, page 5 |
| Defence against unjustified claims, costs outside the limit | yes, up to the sum insured | „Die Aufwendungen des Versicherers für Kosten werden nicht ... auf die …“ | A1-5.5, page 4 |
Insured property and persons
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Let one or two family house | not addressed | ||
| Multi family building (number of units, upper limit) | not addressed | ||
| Owned flat (separate ownership, let) | yes | „Versicherungsschein und seinen Nachträgen beschriebene“ | A1-1.1, page 3 |
| Owners' association as policyholder | yes | „Versicherungsnehmer ist die Gemeinschaft“ | A1-1.2, page 3 |
| Undeveloped land (size, upper limit) | yes | „Haus- und/oder Grundstücksbesitzer für das im“ | A1-1.1, page 3 |
| Commercial units in the building (share, limit) | yes | „sofern der Anteil der gewerblich ... genutzten Fläche nicht mehr als 50 % beträgt“ | A1-1.3, page 3 |
| Vacant building or building under conversion | not addressed | ||
| Holiday home or flat abroad | no | „ausschließlich, wenn diese auf das Gebäude oder Grund“ | A1-6.7, page 5 |
| Garages, parking spaces, driveways and gardens | yes | „Gebäude oder Grundstück einschließlich der dazugehörigen ... Garagen und Nebengebäude.“ | A1-1.1, page 3 |
| Property manager, caretaker and cleaners as co-insured | yes | „der durch Arbeitsvertrag mit der Verwaltung, Reinigung,“ | A1-2.1.1.1, page 3 |
| Cover continues on sale or inheritance | yes | „als früherer Besitzer aus § 836 Abs. 2 BGB, wenn“ | A1-6.3, page 5 |
Safety duties and typical risks
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Snow clearing and gritting duty, also when taken over by contract | yes, up to the sum insured | „Streuen und Schneeräumen auf Gehwegen“ | A1-6.1 (1), page 4 |
| Liability and safety duties assumed by contract (lease, municipality) | yes, up to the sum insured | „schließlich für Mieter, Pächter oder Entleiher durch Vertrag“ | A1-6.1, page 5 |
| Trees on the property (falling branches, uprooting) | not addressed | ||
| Snow sliding off the roof, falling tiles and facade parts | not addressed | ||
| Builder's liability for works on the building (construction sum up to) | yes, up to EUR 250,000 | „bis zu einer Bausumme von 250.000,– € je Bauvorhaben“ | A1-6.2, page 5 |
| Demolition works | yes, up to EUR 250,000 | „Umbauten, Reparaturen, Abbruch-, Grabearbeiten)“ | A1-6.2, page 5 |
| Playgrounds, pools and ponds on the property | yes, up to the sum insured | „aus Besitz und Gebrauch von Turn- und Spielplätzen“ | A1-6.1 (2), page 4 |
| Lifts, garage doors and technical installations | yes, up to the sum insured | „aus Besitz und Gebrauch von Gebäudezubehör wie“ | A1-6.1 (3), page 4 |
| Photovoltaic and solar thermal system, including feed-in | yes, up to the sum insured | „Einspeisung von elektrischem Strom in das Netz des“ | A1-6.11, page 6 |
| Charging point or wallbox for electric vehicles | not addressed | ||
| Water pollution from heating oil tank (tank size up to) | no | „besteht Versicherungsschutz ausschließlich für Anlagen bis 100 Liter/kg“ | A2-1.1.1, page 9 |
| Domestic sewage and backflow damage | yes, up to the sum insured | „nehmers wegen Schäden durch Abwässer.“ | A1-6.5, page 5 |
| Rainwater infiltration and pipe water onto neighbouring land | not addressed | ||
| Subsidence, landslip and vibration affecting third parties | yes, up to the sum insured | „Straßenkanals, aus Senkungen von Grundstücken“ | A1-6.9, page 6 |
Types of loss and extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Pure financial loss | yes, up to the sum insured | „nehmers wegen Vermögensschäden, die weder durch“ | A1-6.8.1, page 5 |
| Data protection breaches (tenant data, CCTV) | yes, up to the sum insured | „gesetzen durch Verwendung personenbezogener Daten.“ | A1-6.8.3, page 5 |
| Public law environmental damage | yes, up to the sum insured | „Pflichten oder Ansprüche zur Sanierung von Umweltschäden“ | A2-2.1, page 9 |
| Gradual damage | not addressed | ||
| Loss of third party keys and master key systems | not addressed | ||
| Claims between unit owners and against the association | yes, up to the sum insured | „gegen die Gemeinschaft der Wohnungseigentümer;“ | A1-2.1.2, page 3 |
| Claims by tenants for bodily injury and property damage | not addressed | ||
| Claims by employed caretakers and cleaners | no | „Ausgeschlossen sind Ansprüche aus Personenschäden, bei“ | A1-2.1.1.1, page 3 |
| Default cover (unpaid damages owed to the insured) | yes, up to EUR 100,000, excess EUR 500 | „Gesamtbetrag von 100.000,– € begrenzt.“ | A1-6.12.4, page 6 |
| Damage to neighbouring buildings during works (underpinning) | not addressed | ||
| Damage to third party property during works on the land | not addressed | ||
| Damage to rented or borrowed property | yes, up to the sum insured | „an fremden Sachen, die der Versicherungsnehmer gemietet,“ | A1-6.10, page 6 |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of holiday and short term letting | not addressed | ||
| Exclusion for mainly commercial use | yes | „Wenn der Versicherungsnehmer auf dem Grundstück einen“ | A1-1.3, page 3 |
| Exclusion of known unrepaired defects and dilapidation | not addressed | ||
| Exclusion of mould, asbestos and pollutants | yes | „Ausgeschlossen sind Ansprüche wegen Schäden, die auf ... Asbest, asbesthaltige …“ | A1-7.7, page 7 |
| No cover for works above the agreed construction sum | yes | „Wenn einer der Beträge überschritten wird, entfällt der“ | A1-6.2, page 5 |
| Restriction when vacant beyond a set period | not addressed | ||
| Exclusion of wear and poor maintenance | not addressed | ||
| Exclusion of contractual liability beyond statutory liability | yes | „aufgrund einer vertraglichen Vereinbarung oder Zusage über“ | A1-3.3, page 4 |
Duties and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Duty to maintain the building and remove hazards | yes | „Besonders gefahrdrohende Umstände hat der“ | B3-3.1, page 13 |
| Notification of new or changed risks | yes | „teilen, ob und welche Änderungen des versicherten Risikos“ | A(GB)-2.1, page 10 |
| Automatic cover for newly arising risks | yes, up to EUR 250,000 | „auf den Betrag von 250.000,– € für Personen-, Sach-, und“ | A1-9.2, page 8 |
| Difference in conditions cover to the previous policy | not addressed | ||
| Deadline to report a claim | yes | „Jeder Versicherungsfall ist dem Versicherer innerhalb“ | B3-3.2 (2), page 14 |
| Policy term and tacit renewal | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | B2-1.2, page 12 |
| Notice period at expiry | yes | „spätestens drei Monate vor Ablauf der jeweiligen Vertragslaufzeit“ | B2-1.2, page 12 |
| Insurer's right to cancel after a claim | yes | „Der Versicherungsvertrag kann gekündigt werden, wenn“ | B2-2.1, page 12 |
| Premium basis (units, floor area, rental income, plot size) | not addressed |
Spanish specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Property owner liability as part of a home policy (sublimit) | not addressed | ||
| Civil and criminal bail bonds | not addressed | ||
| Legal defence of the owners' community | not addressed | ||
| Liability of the community's president and board | not addressed | ||
| Water damage to third parties originating in the building | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- GRUNDEIGENTÜMER-VERSICHERUNG Versicherungsverein auf Gegenseitigkeit, Covomo / Hiscox / Grundeigentümer-Konzepte
- Distribution
- brokers and direct
- AVB Private Haus- und Grundbesitzerhaftpflicht Top 2021 Edition: AVB Private HuG 2021 Top (AB-HUG2021-Top-0421) 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 GEV HomeCare HuG Top and available as plain text.
Volltext GEV HomeCare HuG Top · As text (Markdown) GEV HomeCare HuG Top