Insurance broker / Landlord and property owner liability / Policy wording archive
InterRisk XXL: the policy wording in full
InterRisk Haus- und Grundbesitzerhaftpflicht XXL (B64) als Erweiterung der Allgemeinen Bedingungen B62 mit Heizöltank bis 5.000 Liter, Bauvorhaben bis 100.000 Euro Bausumme, reinen Vermögensschäden, Photovoltaik und Kautionsstellung bis 250.000 Euro.
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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 InterRisk XXL.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | ||
| Annual aggregate (multiple of the limit per year) | not addressed | ||
| Limit per injured person | not addressed | ||
| Deductible per claim | not addressed | ||
| Guarantee to meet at least the association's model conditions | not addressed | ||
| Update guarantee (future improvements at no extra premium) | not addressed | ||
| Territorial scope (location of the property, events abroad) | not addressed | ||
| Defence against unjustified claims, costs outside the limit | yes, up to the sum insured | „Gerichts- und Anwaltskosten werden entsprechend § 3 Nr. 3 der B62 auch über die …“ | Erläuterungen zu § 7, page 5 |
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) | no | „Nicht versichert ist die gesetzliche Haftpflicht der ... mer aus ihrem Sondereigentum“ | Erläuterungen zu § 1, page 4 |
| Owners' association as policyholder | yes | „Sofern Sie eine Gemeinschaft von Wohnungs- bzw. ... Teileigentümern sind, ist Ihre …“ | Erläuterungen zu § 1, page 4 |
| Undeveloped land (size, upper limit) | yes | „Versicherungsschein bezeichneten Gebäude und Grund- ... stücke“ | § 1, page 2 |
| Commercial units in the building (share, limit) | no | „Sofern Sie auf dem Grundstück einen Betrieb oder Beruf ... ausüben, ist das Risiko als …“ | Erläuterungen zu § 1, page 4 |
| Vacant building or building under conversion | not addressed | ||
| Holiday home or flat abroad | not addressed | ||
| Garages, parking spaces, driveways and gardens | not addressed | ||
| Property manager, caretaker and cleaners as co-insured | yes | „Personen, die von Ihnen durch Arbeitsvertrag mit der“ | § 2 Nr. 1 c), page 2 |
| Cover continues on sale or inheritance | yes | „Versicherungsschutz besteht auch als früherer Besitzer aus ... 836 Abs. 2 BGB, wenn die …“ | § 1, page 2 |
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 | „Instandhaltung, Beleuchtung, Reinigung, Streuen und“ | § 1, page 2 |
| Liability and safety duties assumed by contract (lease, municipality) | yes, up to the sum insured | „auch soweit diese auf ... vertraglichen Vereinbarungen beruhen.“ | § 1, page 2 |
| 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 100,000 | „Versicherungsschein bezeichneten Grundstück bis zu einer Bausumme von 100.000 €.“ | § 4 Nr. 1, page 2 |
| Demolition works | yes, up to EUR 100,000 | „Reparaturen, Abbruch-, Grabearbeiten) auf dem im“ | § 4 Nr. 1, page 2 |
| Playgrounds, pools and ponds on the property | not addressed | ||
| Lifts, garage doors and technical installations | yes, up to the sum insured | „Betrieb der für die Nutzbarkeit des Gebäudes notwendigen technischen Anlagen (z.B …“ | Erläuterungen zu § 1, page 4 |
| Photovoltaic and solar thermal system, including feed-in | yes, up to the sum insured | „Versicherungsschutz besteht auch für den Betrieb einer ... Photovoltaikanlage“ | Erläuterungen zu § 1, page 4 |
| Charging point or wallbox for electric vehicles | not addressed | ||
| Water pollution from heating oil tank (tank size up to) | yes, up to the sum insured | „eines Heizöltanks mit einem Fassungsvermögen von ... maximal 5.000 Litern,“ | § 7 Nr. 2 b), page 3 |
| Domestic sewage and backflow damage | yes, up to the sum insured | „Mitversichert sind auch gesetzliche Haftpflichtansprüche aus dem Rückstau des …“ | Erläuterungen zu § 7, 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 | „Mitversichert sind Ansprüche wegen Senkungen eines“ | § 4 Nr. 3, page 3 |
Types of loss and extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Pure financial loss | yes, up to the sum insured | „Auch für reine Vermögensschäden besteht Versicherungs-“ | § 6, page 3 |
| Data protection breaches (tenant data, CCTV) | not addressed | ||
| Public law environmental damage | yes, up to the sum insured | „Versichert sind auch Pflichten oder Ansprüche wegen ... Umweltschäden an dem im …“ | § 8 Nr. 1, page 4 |
| Gradual damage | yes, up to the sum insured | „Dies gilt auch bei allmählichem ... Eindringen der Stoffe in die Sachen.“ | § 7 Nr. 4, page 3 |
| 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 | „der Eigentümer untereinander bei Betätigung im“ | § 1, page 2 |
| Claims by tenants for bodily injury and property damage | not addressed | ||
| Claims by employed caretakers and cleaners | yes, up to the sum insured | „gesetzliche Rückgriffsansprüche aus Personen- und“ | § 2 Nr. 2 b), page 2 |
| Default cover (unpaid damages owed to the insured) | not addressed | ||
| 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 | no | „wegen Schäden an Sachen, die von den versicherten“ | § 3 e), page 2 |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of holiday and short term letting | not addressed | ||
| Exclusion for mainly commercial use | yes | „Sofern Sie oder eine mitversicherte Person gemäß § 2 auf dem Grundstück einen Betrieb …“ | § 8 Nr. 2.3, page 4 |
| Exclusion of known unrepaired defects and dilapidation | not addressed | ||
| Exclusion of mould, asbestos and pollutants | not addressed | ||
| No cover for works above the agreed construction sum | yes | „als Bauherr und Unternehmer von Bauarbeiten“ | § 3 a), page 2 |
| 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 | „wegen Ansprüchen auf Erfüllung von Verträgen oder“ | § 3 f), page 2 |
Duties and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Duty to maintain the building and remove hazards | not addressed | ||
| Notification of new or changed risks | not addressed | ||
| Automatic cover for newly arising risks | not addressed | ||
| Difference in conditions cover to the previous policy | not addressed | ||
| Deadline to report a claim | not addressed | ||
| Policy term and tacit renewal | not addressed | ||
| Notice period at expiry | not addressed | ||
| Insurer's right to cancel after a claim | not addressed | ||
| 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 | yes, up to EUR 250,000 | „erforderlichen Betrag bis zur Höhe von 250.000 € zur“ | § 9, page 4 |
| Legal defence of the owners' community | not addressed | ||
| Liability of the community's president and board | yes, up to the sum insured | „Dies gilt ... jedoch nicht, soweit sich diese Ansprüche gegen ... Verwaltungsbeirates …“ | § 1, page 2 |
| Water damage to third parties originating in the building | 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
- InterRisk Versicherungs-AG Vienna Insurance Group.
- Distribution
- available through brokers
- Bedingungen zur Haus- und Grundbesitzerhaftpflichtversicherung XXL (B64) Edition: B64 XXL, gültig ab 07.2013 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 InterRisk XXL and available as plain text.