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die Bayerische Dienst-Kompakt: the policy wording in full
Älterer Baustein der Kompakt-Versicherung (Stand 01/2015) mit Dienstschlüsseln, Schäden an Sachen des Dienstherrn bis 3.000 Euro und 5 Jahren Nachhaftung, ohne Dienstfahrzeuge.
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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 die Bayerische Dienst-Kompakt.
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 | „aus seiner Eigenschaft als Beamter, Angestellter oder sonstiger Bediensteter im …“ | 1, page 2 |
| Sum insured for pure financial loss (official liability for financial loss) | yes, up to the sum insured | „Eingeschlossen ist im Rahmen des Vertrages die gesetzliche Haftpflicht wegen …“ | 9 a., page 3 |
| Annual aggregate limit | not addressed | ||
| Available as a standalone contract without private liability cover from the same insurer | not addressed | ||
| 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 | yes | „aus Schadenereignissen, die während der Wirksamkeit der Versicherung eingetreten sind“ | 9 a., page 3 |
| Deductible per claim | EUR 250 | „Von jedem derartigen Schaden hat der Versicherungsnehmer 250 EUR selbst zu tragen“ | 2.6, page 3 |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Civil servants (federal, state, municipal) insured | yes | „aus seiner Eigenschaft als Beamter, Angestellter oder sonstiger Bediensteter im …“ | 1, page 2 |
| Salaried employees in the public sector insured | yes | „aus seiner Eigenschaft als Beamter, Angestellter oder sonstiger Bediensteter im …“ | 1, page 2 |
| Teachers, trainee teachers and educational staff insured (duty of supervision, school trips, specialist lessons) | yes | „aus Erteilung von Experimentalunterricht im Rahmen naturwissenschaftlicher Fächer/Kurse“ | 5.1 a. 3), page 5 |
| Police, customs, prison service and federal police insured | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers als …“ | 8, page 5 |
| Soldiers and reservists insured | not addressed | ||
| 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 | yes | „Versichert ist die gesetzliche Haftpflicht des Versicherungsnehmers als Pfarrer.“ | 6, page 5 |
| Elected office holders, organs and honorary officials (mayors, councillors) insured | not addressed | ||
| Medical, nursing and other healthcare activities excluded | not addressed | ||
| Planning and site management activities (architects, engineers, building authorities) excluded | yes | „planender, beratender, bau- oder montageleitender, prüfender oder gutachterlicher …“ | 9 b., page 3 |
| 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) | not addressed | ||
| Direct loss suffered by the employer (first-party loss, in Austria organ liability) | yes, up to EUR 3,000, excess EUR 250 | „Mitversichert ist die gesetzliche Haftpflicht des Versicherungsnehmers aus der …“ | 2.6, page 3 |
| Direct claims by third parties (personal liability) | yes, up to the sum insured | „aus seiner Eigenschaft als Beamter, Angestellter oder sonstiger Bediensteter im …“ | 1, page 2 |
| Gross negligence covered without reduction of benefits | not addressed | ||
| Defence against unfounded claims | not addressed | ||
| Defence costs count towards the sum insured | not addressed | ||
| 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 | „Das gleiche gilt für solche Dienstunfälle gemäß den beamtenrechtlichen Vorschriften …“ | 3.10, page 4 |
| Breach of the duty of supervision over pupils, children or persons in care | yes | „aus Leitung und/oder Beaufsichtigung von Schüler-, Klassen- oder Kindergruppenreisen“ | 5.1 a. 1), page 5 |
Keys, official property and vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of official keys and code cards | yes, up to the sum insured | „aus dem Abhandenkommen von Schlüsseln für Zentralschließanlagen, die er im Rahmen …“ | 2.3, page 2 |
| Consequential costs of key loss (replacement of locking system, security measures) | yes, up to the sum insured | „Der Versicherungsschutz umfasst die Kosten für das notwendige Auswechseln/Ändern von …“ | 2.3, page 2 |
| Deductible for key loss | not addressed | ||
| Loss of official property (equipment, devices owned by the employer) | not addressed | ||
| Damage to official property entrusted for official use | yes, up to EUR 3,000, excess EUR 250 | „Die Höchstersatzleistung des Versicherers beträgt innerhalb der Pauschal-Deckungssumme …“ | 2.6, page 2 |
| Service weapon: carrying, use and loss | yes, up to the sum insured | „dem Gebrauch von Karabinern, Pistolen und Maschinenpistolen“ | 8.1 a. 1), page 6 |
| Service dogs and service horses (keeping and handling) | yes | „dem Hüter von Diensthunden und -pferden (soweit vereinbart)“ | 8.1 a. 2), page 6 |
| Cash shortages and shortfalls of money or valuables | no | „aus Zahlungsvorgängen aller Art, aus Kassenführung“ | 9 b., page 4 |
| Recourse for damage to the official vehicle (employer recovery of own damage) | no | „aus der Beschädigung beweglicher Sachen des Dienstherrn, ausgenommen Land-, Luft- und …“ | 2.6, page 3 |
| Recourse by employer or motor insurer after an accident with the official vehicle (third-party damage) | no | „Haftpflichtansprüche als Eigentümer, Besitzer, Halter oder Führer und Gebrauch eines …“ | 3.2, page 4 |
| 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 | „Haftpflichtansprüche durch bewusstes Abweichen von Gesetzen, Vorschriften oder …“ | 3.4, page 4 |
| Knowing breach of duty and deliberate deviation from rules or instructions excluded | yes | „Haftpflichtansprüche durch bewusstes Abweichen von Gesetzen, Vorschriften oder …“ | 3.4, page 4 |
| 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 | yes, up to the sum insured | „und/oder immaterieller Schäden aus Verstößen ... personenbezogene Bestimmungen in“ | 2.2, page 2 |
| Claims for discrimination, harassment or violation of personal rights | not addressed | ||
| Environmental and water damage arising from official duties | yes, up to EUR 15 million | „öffentlich-rechtliche Pflichten oder Ansprüche zur Sanierung von Umweltschäden gemäß …“ | 2.7, page 3 |
| 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 | „innerhalb Europas sowie einem sonstigen ... Auslandsaufenthalt bis zu fünf Jahren“ | 2.1, page 2 |
| Retroactive cover for wrongful acts before inception | not addressed | ||
| Extended reporting period after termination, retirement or leaving the service | yes | „Es besteht für die Dauer von 5 Jahren Versicherungsschutz für Schäden aus der früheren …“ | 2.4, page 2 |
| 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) | not addressed |
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 | yes | „Scheidet der Versicherungsnehmer aus dem öffentlichen Dienst aus, wird …“ | 4.1, page 5 |
| 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 | not addressed | ||
| 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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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- BA die Bayerische Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Sonderbedingungen zur Dienst-Haftpflichtversicherung Kompakt (299055) Edition: KP Dienst-HV, Stand 01/2015 (B 299055) 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 die Bayerische Dienst-Kompakt and available as plain text.
Volltext die Bayerische Dienst-Kompakt Diensthaftpflicht · As text (Markdown) die Bayerische Dienst-Kompakt Public servant liability