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DEVK Dienst- und: the policy wording in full
Eigenständige Dienst- und Berufshaftpflicht für Beschäftigte von Bund, Ländern, Kommunen und Bahn mit Regress des Dienstherrn, Dienstschlüsseln und Erweiterungen je Berufsgruppe.
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Everything about this policy
What the policy covers: 69 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for DEVK Dienst- und.
Basics and sums insured
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for bodily injury and property damage arising from official duties | yes, up to the sum insured | „Für die Personen-, Sach- und Vermögensschäden gilt die im Antrag und Ihrem …“ | A1 Ziffer 5, page 11 |
| Sum insured for pure financial loss (official liability for financial loss) | yes, up to the sum insured | „Für die Personen-, Sach- und Vermögensschäden gilt die im Antrag und Ihrem …“ | A1 Ziffer 5, page 11 |
| Annual aggregate limit | yes, up to the sum insured | „auf das zweifache der vereinbarten Versicherungssumme begrenzt“ | A1 Ziffer 5.2, page 11 |
| Available as a standalone contract without private liability cover from the same insurer | yes | „Kundeninformation zur Dienst- und Berufshaftpflichtversicherung“ | Deckblatt, page 1 |
| Add-on to private liability insurance with its own special conditions | not addressed | ||
| Group or framework contract via trade union, professional association or employer | not addressed | ||
| Trigger: loss occurrence, wrongful act or claims made | not addressed | ||
| Deductible per claim | yes, up to the sum insured | „Wenn Sie eine Selbstbeteiligung vereinbart haben, ist diese bei jedem Versicherungsfall …“ | Informationsblatt, page 7 |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Civil servants (federal, state, municipal) insured | yes | „Arbeitnehmer (Arbeiter und Angestellte) und Beamte des Bundes (z. B. Zoll), der Länder …“ | A1 Ziffer 1, page 10 |
| Salaried employees in the public sector insured | yes | „Arbeitnehmer (Arbeiter und Angestellte) und Beamte des Bundes (z. B. Zoll), der Länder …“ | A1 Ziffer 1, page 10 |
| Teachers, trainee teachers and educational staff insured (duty of supervision, school trips, specialist lessons) | yes | „Versichert ist Ihre gesetzliche Haftpflicht aus der Erteilung von …“ | A1 Ziffer 11.1, page 18 |
| Police, customs, prison service and federal police insured | yes | „Beamte des Bundes (z. B. Zoll), der Länder (z. B. Polizei) und Kommunen“ | A1 Ziffer 1, page 10 |
| Soldiers and reservists insured | yes | „Angehörige der Bundeswehr“ | A1 Ziffer 1, page 10 |
| Judges, public prosecutors and judicial officers insured | not addressed | ||
| Candidates, trainees and apprentices in the public sector insured (also free of charge or discounted) | not addressed | ||
| Fire and rescue service personnel in the public sector insured | not addressed | ||
| Church employees and staff of public-law bodies insured | not addressed | ||
| Elected office holders, organs and honorary officials (mayors, councillors) insured | not addressed | ||
| Medical, nursing and other healthcare activities excluded | yes | „Arbeitnehmer und Beamte im Kranken- oder Altenpflegedienst, Ärzte und Hebammen“ | A1 Ziffer 1, page 10 |
| Planning and site management activities (architects, engineers, building authorities) excluded | not addressed | ||
| Approved secondary employment and secondary offices included | not addressed | ||
| Cover for further public sector employees in the same household (partner, children) | not addressed |
Recourse by the employer and third-party liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Recourse by the employer after state liability (recovery in cases of gross negligence) | yes, up to the sum insured | „Versicherungsschutz besteht für Regressansprüche Ihres Dienstherrn oder Arbeitgebers …“ | A1 Ziffer 6.5.1, page 13 |
| Direct loss suffered by the employer (first-party loss, in Austria organ liability) | yes, up to the sum insured | „Versichert sind Ansprüche des Dienstherrn oder Arbeitgebers wegen ihm unmittelbar durch …“ | A1 Ziffer 6.5.1, page 13 |
| Direct claims by third parties (personal liability) | yes, up to the sum insured | „Versichert ist Ihre gesetzliche Haftpflicht als Mitarbeiter im öffentlichen Dienst.“ | Erläuterungen und Hinweise, page 6 |
| Gross negligence covered without reduction of benefits | not addressed | ||
| Defence against unfounded claims | not addressed | ||
| Defence costs count towards the sum insured | none | „Unsere Aufwendungen für Kosten werden nicht auf die Versicherungssummen angerechnet.“ | A1 Ziffer 5.5, page 11 |
| Costs of criminal defence and disciplinary proceedings | not addressed | ||
| Bodily injury to colleagues from accidents at work (recourse by employer or social insurance carrier) | no | „für solche Dienstunfälle gemäß den beamtenrechtlichen Bestimmungen oder sonstigen …“ | A1 Ziffer 7, page 15 |
| Breach of the duty of supervision over pupils, children or persons in care | yes | „Mitversichert ist Ihre gesetzliche Haftpflicht aus Organisation, Leitung und/oder …“ | A1 Ziffer 11.2, page 18 |
Keys, official property and vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of official keys and code cards | yes, up to EUR 50,000 | „Mitversichert ist Ihre gesetzliche Haftpflicht aus dem Abhandenkommen von …“ | A1 Ziffer 6.6.1, page 13 |
| Consequential costs of key loss (replacement of locking system, security measures) | yes, up to EUR 50,000 | „die notwendige Auswechslung von Schlössern, Schlüsseln und Schließanlagen“ | A1 Ziffer 6.6.1, page 13 |
| Deductible for key loss | EUR 150 | „Bei jedem Versicherungsfall, bei dem unsere Eintrittspflicht gegeben ist, wird der …“ | A1 Ziffer 6.6.2, page 13 |
| Loss of official property (equipment, devices owned by the employer) | yes, up to the sum insured | „Eingeschlossen sind weiterhin Sachschäden infolge des Abhandenkommens von Sachen …“ | A1 Ziffer 10.2, page 18 |
| Damage to official property entrusted for official use | not addressed | ||
| Service weapon: carrying, use and loss | not addressed | ||
| Service dogs and service horses (keeping and handling) | yes | „Versichert sind Haftpflichtansprüche gegen Sie aus Schadenfällen, die durch einen …“ | A1 Ziffer 6.7.1, page 13 |
| Cash shortages and shortfalls of money or valuables | not addressed | ||
| Recourse for damage to the official vehicle (employer recovery of own damage) | yes, up to EUR 25,000 | „Die Versicherungssumme ist auf 25.000 Euro je Versicherungsfall begrenzt.“ | A1 Ziffer 17.1, page 20 |
| Recourse by employer or motor insurer after an accident with the official vehicle (third-party damage) | yes, up to EUR 1 million | „Die Versicherungssumme je Versicherungsfall beträgt für Personenschäden und Sachschäden …“ | A1 Ziffer 17.2.4, page 20 |
| Loss from deletion or loss of data and damage to official IT | not addressed | ||
| Loss of files, deeds and documents | not addressed |
Exclusions and limits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Wilful intent excluded | yes | „Ausgeschlossen sind Versicherungsansprüche aller Personen, die den Schaden vorsätzlich …“ | A1 Ziffer 7.1, page 13 |
| Knowing breach of duty and deliberate deviation from rules or instructions excluded | not addressed | ||
| Exceeding budgets, estimates and credit limits excluded | not addressed | ||
| Fines, penalties and contractual penalties excluded | not addressed | ||
| Audit liability towards the court of auditors (in Spain responsabilidad contable) | not addressed | ||
| Claims for breach of data protection and confidentiality | not addressed | ||
| Claims for discrimination, harassment or violation of personal rights | not addressed | ||
| Environmental and water damage arising from official duties | yes, up to the sum insured | „Dies gilt auch für Schäden durch Umwelteinwirkungen gemäß der Ziffern 6.1 und 6.2 aus …“ | A1 Ziffer 6.5.1, page 13 |
| Loss outside official duties (private use of official property) excluded | not addressed |
Territorial and temporal scope
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Business trips, secondments and deployments abroad insured | yes | „Versichert ist Ihre gesetzliche Haftpflicht wegen im Ausland eintretender …“ | A1 Ziffer 6.4, page 13 |
| Retroactive cover for wrongful acts before inception | not addressed | ||
| Extended reporting period after termination, retirement or leaving the service | yes | „Der Versicherungsschutz gilt für die Dauer von fünf Jahren vom Zeitpunkt der Beendigung …“ | A1 Ziffer 10, page 18 |
| Change of employer, office or career path covered without new underwriting | not addressed | ||
| Automatic cover for new official risks | not addressed | ||
| Subsidiarity to other insurance (employer, trade union, private liability) | yes | „sofern kein Versicherungsschutz durch einen anderen Versicherungsvertrag besteht“ | A1 Ziffer 6.5.1, page 13 |
Contract, duties and special features
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Contract term and renewal | not addressed | ||
| Notice period at expiry, daily right of cancellation | not addressed | ||
| Contract ends or is suspended on leaving the service, parental leave or leave of absence | not addressed | ||
| Rules for pensioners and retired civil servants (free of charge or discounted) | not addressed | ||
| Notification period for the insured event and for the employer announcing recourse | yes | „Zeigen Sie uns jeden Schadenfall unverzüglich an“ | Informationsblatt, page 8 |
| Acknowledgement or payment without the insurer consent does not bind the insurer | not addressed | ||
| Notification of changed duties, pay grade or risk group required | not addressed | ||
| Innovation clause or performance guarantee against the GDV model conditions | not addressed | ||
| Legal assistance by the administration itself credited or taking precedence (Abogacía del Estado, legal services) | not addressed | ||
| Professional disqualification: monthly benefit when barred from office by a court | not addressed | ||
| Bail bonds: provision of security in civil and criminal proceedings | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- DEVK Allgemeine Versicherungs-Aktiengesellschaft, DEVK Deutsche Eisenbahn Versicherung Sach- und HUK-Versicherungsverein a.G. Betriebliche Sozialeinrichtung der Deutschen Bahn
- Distribution
- brokers and direct
- Kundeninformation zur Dienst- und Berufshaftpflichtversicherung mit Versicherungsbedingungen (41065) Edition: Bedingungen 01.02.2016, Druck 41065/10/2026 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 DEVK Dienst- und and available as plain text.
Volltext DEVK Dienst- und Diensthaftpflicht · As text (Markdown) DEVK Dienst- und Public servant liability