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Mannheimer Haus- und Grundbesitzer-Haftpflicht: the policy wording in full
Haus- und Grundbesitzerhaftpflicht nach AHB 2008 und BBR 2013 der Mannheimer, ausgewertet ist nur das Produktinformationsblatt; Versicherungssumme und Selbstbeteiligung laut Versicherungsschein.
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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 Mannheimer Haus- und Grundbesitzer-Haftpflicht.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Combined limit for bodily injury, property damage and financial loss | as stated in the policy schedule | „Die Höhe der vereinbarten Versicherungssummen können Sie Ihrem Versicherungsschein …“ | Wie hoch ist die Versicherungssumme?, page 1 |
| Annual aggregate (multiple of the limit per year) | not addressed | ||
| Limit per injured person | not addressed | ||
| Deductible per claim | yes, up to the sum insured | „Wenn Sie eine Selbstbeteiligung vereinbart haben, ist diese bei jedem Versicherungsfall“ | Was ist nicht versichert?, page 1 |
| 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) | yes | „Die Haus- und Grundbesitzerhaftpflichtversicherung gilt auch für im Ausland eintretende …“ | Wo bin ich versichert?, page 1 |
| Defence against unjustified claims, costs outside the limit | yes, up to the sum insured | „gegen Sie geltend gemachte Haftpflichtansprüche zu prüfen, berechtigte Ansprüche zu …“ | Was ist versichert?, page 1 |
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) | not addressed | ||
| Owners' association as policyholder | yes | „Im Falle von Wohnungseigentümergemeinschaften erstreckt sich der Versicherungsschutz …“ | Was ist versichert?, page 1 |
| Undeveloped land (size, upper limit) | not addressed | ||
| Commercial units in the building (share, limit) | not addressed | ||
| 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 | not addressed | ||
| Cover continues on sale or inheritance | not addressed |
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 | „durch mangelhafte Beleuchtung oder Glätte bzw. Verschmutzung von Gehwegen;“ | Was ist versichert?, page 1 |
| Liability and safety duties assumed by contract (lease, municipality) | no | „Zur gesetzlichen Haftpflicht gehört nicht, wenn Sie sich allein durch eine vertragliche …“ | Was ist nicht versichert?, page 1 |
| Trees on the property (falling branches, uprooting) | not addressed | ||
| Snow sliding off the roof, falling tiles and facade parts | yes, up to the sum insured | „durch sich lösende Gebäudeteile;“ | Was ist versichert?, page 1 |
| Builder's liability for works on the building (construction sum up to) | yes, up to the sum insured | „bei kleineren Bauvorhaben.“ | Was ist versichert?, page 1 |
| Demolition works | not addressed | ||
| Playgrounds, pools and ponds on the property | not addressed | ||
| Lifts, garage doors and technical installations | not addressed | ||
| Photovoltaic and solar thermal system, including feed-in | not addressed | ||
| Charging point or wallbox for electric vehicles | not addressed | ||
| Water pollution from heating oil tank (tank size up to) | not addressed | ||
| Domestic sewage and backflow damage | not addressed | ||
| Rainwater infiltration and pipe water onto neighbouring land | not addressed | ||
| Subsidence, landslip and vibration affecting third parties | not addressed |
Types of loss and extensions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Pure financial loss | not addressed | ||
| Data protection breaches (tenant data, CCTV) | not addressed | ||
| Public law environmental damage | not addressed | ||
| Gradual damage | not addressed | ||
| Loss of third party keys and master key systems | not addressed | ||
| Claims between unit owners and against the association | no | „zwischen Mitversicherten;“ | Gibt es Deckungsbeschränkungen?, page 1 |
| Claims by tenants for bodily injury and property damage | not addressed | ||
| Claims by employed caretakers and cleaners | not addressed | ||
| 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 | „an gepachteten oder geliehenen Sachen.“ | Gibt es Deckungsbeschränkungen?, page 1 |
Exclusions and restrictions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of holiday and short term letting | not addressed | ||
| Exclusion for mainly commercial use | not addressed | ||
| 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 | not addressed | ||
| 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 | „Zur gesetzlichen Haftpflicht gehört nicht, wenn Sie sich allein durch eine vertragliche …“ | Was ist nicht versichert?, page 1 |
Duties and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Duty to maintain the building and remove hazards | yes | „Es ist möglich, dass Sie von uns aufgefordert werden, besondere gefahrdrohende Umstände …“ | Welche Verpflichtungen habe ich?, page 1 |
| Notification of new or changed risks | yes | „Teilen Sie uns mit, ob und in welcher Form sich das versicherte Risiko verändert hat.“ | Welche Verpflichtungen habe ich?, page 2 |
| Automatic cover for newly arising risks | not addressed | ||
| Difference in conditions cover to the previous policy | not addressed | ||
| Deadline to report a claim | yes | „Zeigen Sie uns jeden Schadenfall unverzüglich an, auch wenn gegen Sie noch keine …“ | Welche Verpflichtungen habe ich?, page 2 |
| Policy term and tacit renewal | yes | „Hat Ihr Vertrag eine Laufzeit von mindestens einem Jahr? Dann verlängert er sich …“ | Wann beginnt und endet die Deckung?, page 2 |
| Notice period at expiry | yes | „das muss spätestens drei Monate vor dem Ende der Vertragsdauer geschehen“ | Wie kann ich den Vertrag kündigen?, page 2 |
| Insurer's right to cancel after a claim | yes | „Daneben können Sie oder wir den Vertrag vorzeitig kündigen. Das ist z.B. nach einem …“ | Wie kann ich den Vertrag kündigen?, page 2 |
| 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
- Mannheimer Versicherung Aktiengesellschaft
- Distribution
- not known
- Besondere Bedingungen und Risikobeschreibungen Haus- und Grundbesitzer-Haftpflicht (hp 003) Edition: Informationsblatt Stand 23.02.2018 (AHB 2008, BBR 2013-D) 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 Mannheimer Haus- und Grundbesitzer-Haftpflicht and available as plain text.
Volltext Mannheimer Haus- und Grundbesitzer-Haftpflicht · As text (Markdown) Mannheimer Haus- und Grundbesitzer-Haftpflicht