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NV Diensthaftpflicht: the policy wording in full
Zusatzbedingungen zur Privathaftpflicht der NV für Richter, Beamte und Beschäftigte im öffentlichen Dienst mit Regress des Dienstherrn, Vermögensschäden nach Verstoßprinzip und fiskalischem Eigentum bis 500 Euro.
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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 NV Diensthaftpflicht.
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 | „Die Versicherung ist auf Personen- (Tod, Verletzung oder Gesundheitsschädigung von …“ | A 1, page 1 |
| Sum insured for pure financial loss (official liability for financial loss) | yes, up to the sum insured | „Die Höchstersatzleistung beträgt je Verstoß die im Hauptvertrag vereinbarte …“ | B 1, page 2 |
| Annual aggregate limit | yes, up to the sum insured | „Die Höchstersatzleistung beträgt je Verstoß die im Hauptvertrag vereinbarte …“ | B 1, page 2 |
| 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 | yes | „im Rahmen der Allgemeinen Versicherungsbedingungen für die …“ | A 1, page 1 |
| Group or framework contract via trade union, professional association or employer | not addressed | ||
| Trigger: loss occurrence, wrongful act or claims made | yes | „Die Höchstersatzleistung beträgt je Verstoß die im Hauptvertrag vereinbarte …“ | B 1, page 2 |
| Deductible per claim | EUR 500 | „Als Selbstbehalt im Sinne der Ziffer 2 der o.a. Bedingungen gilt 10 % der …“ | B 2 b), page 2 |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Civil servants (federal, state, municipal) insured | yes | „die gesetzliche Haftpflicht des Versicherungsnehmers als Richter, Beamter, Angestellter …“ | A 1, page 1 |
| Salaried employees in the public sector insured | yes | „die gesetzliche Haftpflicht des Versicherungsnehmers als Richter, Beamter, Angestellter …“ | A 1, page 1 |
| Teachers, trainee teachers and educational staff insured (duty of supervision, school trips, specialist lessons) | yes | „der Erteilung von Experimentalunterricht (auch mit radioaktiven Stoffen)“ | A 4 a), page 1 |
| Police, customs, prison service and federal police insured | not addressed | ||
| Soldiers and reservists insured | no | „als Arzt oder Soldat“ | A 5 d), page 1 |
| Judges, public prosecutors and judicial officers insured | yes | „die gesetzliche Haftpflicht des Versicherungsnehmers als Richter, Beamter, Angestellter …“ | A 1, page 1 |
| 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 | „als Arzt oder Soldat“ | A 5 d), page 1 |
| Planning and site management activities (architects, engineers, building authorities) excluded | not addressed | ||
| Approved secondary employment and secondary offices included | no | „aus Nebenbeschäftigungen/Nebentätigkeiten, aus denen eigenes Einkommen erzielt wird“ | A 5 d), page 1 |
| 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 | „Der Regressanspruch des Dienstherrn gegen den Versicherungsnehmer wegen eines Personen …“ | A 2, page 1 |
| Direct loss suffered by the employer (first-party loss, in Austria organ liability) | yes, up to the sum insured | „Ansprüche des Dienstherrn wegen Vermögensschäden, die ihm unmittelbar zugefügt werden“ | B 1, page 2 |
| Direct claims by third parties (personal liability) | yes, up to the sum insured | „die gesetzliche Haftpflicht des Versicherungsnehmers als Richter, Beamter, Angestellter …“ | A 1, page 1 |
| 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 | yes, up to the sum insured | „Die Bestimmungen im Abschnitt A1 Ziff. 4.3 der AVB PHV finden auch bei …“ | A 2, page 1 |
| 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 …“ | A 5 c), page 1 |
| Breach of the duty of supervision over pupils, children or persons in care | yes | „Leitung und/oder Beaufsichtigung von Schüler- oder Klassenreisen sowie Schulausflügen“ | A 4 b), page 1 |
Keys, official property and vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of official keys and code cards | yes, up to the sum insured | „Für das Abhandenkommen von fremden Schlüsseln gelten die Bestimmungen der Allgemeinen …“ | A 3, page 1 |
| Consequential costs of key loss (replacement of locking system, security measures) | not addressed | ||
| Deductible for key loss | not addressed | ||
| Loss of official property (equipment, devices owned by the employer) | yes, up to EUR 500, excess EUR 100 | „die gesetzliche Haftpflicht aus Beschädigung, Vernichtung und Abhandenkommen von …“ | A 3, page 1 |
| Damage to official property entrusted for official use | yes, up to EUR 500, excess EUR 100 | „die gesetzliche Haftpflicht aus Beschädigung, Vernichtung und Abhandenkommen von …“ | A 3, page 1 |
| Service weapon: carrying, use and loss | not addressed | ||
| Service dogs and service horses (keeping and handling) | no | „von Hunden, Pferden u.ä.“ | A 5 d), page 1 |
| Cash shortages and shortfalls of money or valuables | no | „Ausgeschlossen sind Haftpflichtansprüche wegen Abhandenkommen von Geld, Wertpapieren …“ | A 3, page 1 |
| Recourse for damage to the official vehicle (employer recovery of own damage) | not addressed | ||
| Recourse by employer or motor insurer after an accident with the official vehicle (third-party damage) | no | „des Eigentümers, Besitzers, Halters oder Führers eines Kraft-, Luft- oder …“ | A 5 d), page 1 |
| 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 | not addressed | ||
| 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 | not addressed | ||
| 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 | not addressed | ||
| Retroactive cover for wrongful acts before inception | not addressed | ||
| Extended reporting period after termination, retirement or leaving the service | not addressed | ||
| 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 | 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 | 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
- NV-Versicherungen VVaG
- Distribution
- brokers and direct
- Zusatzbedingungen Diensthaftpflicht (ZB Diensthaftpflicht) Edition: ZB Dienst-Haftpflicht 10/2015 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 NV Diensthaftpflicht and available as plain text.
Volltext NV Diensthaftpflicht Diensthaftpflicht · As text (Markdown) NV Diensthaftpflicht Public servant liability