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WGV Privat- und Plus: the policy wording in full
PLUS-Tarif mit Dienstschlüsseln einschließlich Folgeschäden bis 50.000 Euro, Falschbetankung des Dienstfahrzeugs und Leistungs-Update-Garantie, sonst wie OPTIMAL.
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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 WGV Privat- und Plus.
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 Entschädigungsleistung des Versicherers ist bei ... Versicherungsfall auf die …“ | A.4.5.1, page 23 |
| Sum insured for pure financial loss (official liability for financial loss) | yes, up to EUR 50,000 | „für Vermögensschäden, sofern nicht etwas anderes vereinbart ist, 50.000 EUR“ | A.4.5.2, page 23 |
| Annual aggregate limit | no | „alle Versicherungsfälle eines Versicherungsjahres nicht auf das Ein- oder Mehrfache der …“ | A.1.5.2, page 10 |
| Available as a standalone contract without private liability cover from the same insurer | no | „Der Versicherungsschutz der Privathaftpflichtversicherung kann um die …“ | Information nach § 7 VVG, Nr. 3, page 3 |
| Add-on to private liability insurance with its own special conditions | yes | „Der Versicherungsschutz der Privathaftpflichtversicherung kann um die …“ | Information nach § 7 VVG, Nr. 3, page 3 |
| Group or framework contract via trade union, professional association or employer | not addressed | ||
| Trigger: loss occurrence, wrongful act or claims made | yes | „Bei Vermögensschäden ist der Versicherungsfall der“ | A.4.3.3, page 22 |
| Deductible per claim | yes | „Falls vereinbart, beteiligt sich der Versicherungsnehmer“ | A.1.5.4, page 10 |
Insured persons and activities
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Civil servants (federal, state, municipal) insured | yes | „Beamter, Angestellter oder Arbeiter des öffentlichen“ | A.4.1, page 22 |
| Salaried employees in the public sector insured | yes | „Beamter, Angestellter oder Arbeiter des öffentlichen“ | A.4.1, page 22 |
| Teachers, trainee teachers and educational staff insured (duty of supervision, school trips, specialist lessons) | yes | „aus der Erteilung von Experimentalunterricht (auch mit radioaktiven Stoffen)“ | A.4.6.13.1 a), page 24 |
| Police, customs, prison service and federal police insured | not addressed | ||
| 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 | not addressed | ||
| Elected office holders, organs and honorary officials (mayors, councillors) insured | not addressed | ||
| Medical, nursing and other healthcare activities excluded | yes | „aus ärztlicher Tätigkeit“ | A.4.7.1 f), page 24 |
| Planning and site management activities (architects, engineers, building authorities) excluded | yes | „am Bauwerk, das Gegenstand der dienstlichen Tätigkeit“ | A.4.6.14, page 24 |
| Approved secondary employment and secondary offices included | yes | „soweit diese nicht vom Dienstherrn angeordnet“ | A.4.1, page 22 |
| 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 | „Dies gilt auch für Schadenersatz- und“ | A.4.3.1, page 22 |
| Direct loss suffered by the employer (first-party loss, in Austria organ liability) | yes, up to the sum insured | „Der Versicherungsschutz erstreckt sich auch auf ... die dem Dienstherrn unmittelbar …“ | A.4.6.1.1, page 23 |
| Direct claims by third parties (personal liability) | yes, up to the sum insured | „von einem Dritten auf Schadenersatz in Anspruch“ | A.4.3.1, page 22 |
| Gross negligence covered without reduction of benefits | not addressed | ||
| Defence against unfounded claims | yes | „die Abwehr unberechtigter Schadenersatzansprüche“ | A.1.4.1, page 10 |
| Defence costs count towards the sum insured | none | „nicht auf die Versicherungssummen angerechnet“ | A.1.5.5, page 10 |
| Costs of criminal defence and disciplinary proceedings | yes, up to the sum insured | „Bestellung eines Verteidigers für den“ | A.1.4.3, page 10 |
| Bodily injury to colleagues from accidents at work (recourse by employer or social insurance carrier) | no | „die in Ausübung oder infolge des Dienstes“ | A.4.7.1, page 24 |
| Breach of the duty of supervision over pupils, children or persons in care | yes | „aus Leitung und/oder Beaufsichtigung von“ | A.4.6.13.1 b), page 24 |
Keys, official property and vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of official keys and code cards | yes, up to the sum insured | „fremder Schlüssel und Codekarten versichert“ | A.4.6.1.2 b), page 23 |
| Consequential costs of key loss (replacement of locking system, security measures) | yes, up to EUR 50,000 | „des Abhandenkommens von Schlüsseln auf“ | A.4.6.1.2 c), page 23 |
| Deductible for key loss | not addressed | ||
| Loss of official property (equipment, devices owned by the employer) | yes, up to EUR 5,000 | „gesetzliche Haftpflicht aus dem Abhandenkommen von Sachen, ausgenommen das Abhandenkommen“ | A.4.6.1.2 a), page 23 |
| Damage to official property entrusted for official use | yes, up to the sum insured | „Der Versicherungsschutz erstreckt sich auch auf ... die dem Dienstherrn unmittelbar …“ | A.4.6.1.1, page 23 |
| Service weapon: carrying, use and loss | yes, up to the sum insured | „Besitz, Tragen und Benutzen von Waffen zu dienstlichen“ | A.4.6.6, page 23 |
| Service dogs and service horses (keeping and handling) | yes | „und Führer von Tieren im Auftrag des Dienstherrn“ | A.4.6.7, page 23 |
| Cash shortages and shortfalls of money or valuables | yes, up to EUR 3,000 | „3.000 EUR für jeden einzelnen Verstoß begrenzt“ | A.4.6.11, page 24 |
| Recourse for damage to the official vehicle (employer recovery of own damage) | yes, up to the sum insured | „überlassen wurden, durch versehentliches Betanken“ | A.4.6.2 b), page 23 |
| Recourse by employer or motor insurer after an accident with the official vehicle (third-party damage) | not addressed | ||
| Loss from deletion or loss of data and damage to official IT | yes, up to the sum insured | „Übermittlung und der Bereitstellung elektronischer Daten“ | A.4.6.8.1, page 23 |
| Loss of files, deeds and documents | not addressed |
Exclusions and limits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Wilful intent excluded | yes | „die den Schaden vorsätzlich herbeigeführt haben“ | A.1.7.1, page 18 |
| Knowing breach of duty and deliberate deviation from rules or instructions excluded | yes | „wegen Schadenstiftung durch bewusstes wissentliches“ | A.4.7.2.6, page 24 |
| Exceeding budgets, estimates and credit limits excluded | yes | „aus der Überschreitung von Voranschlägen und“ | A.4.7.2.4, page 24 |
| Fines, penalties and contractual penalties excluded | yes | „die sich aus Vertragsstrafen, Bußen und“ | A.4.7.2.13, page 25 |
| 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 | „durch Verwendung personenbezogener Daten“ | A.4.6.9, page 23 |
| Claims for discrimination, harassment or violation of personal rights | yes, up to the sum insured | „wegen Benachteiligungen“ | A.4.6.10, page 23 |
| Environmental and water damage arising from official duties | yes, up to the sum insured | „wegen Schäden durch Umwelteinwirkung“ | A.4.6.16, page 24 |
| 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 | „Versicherungsfälle aus Anlass von Dienstreisen oder ... aufenthalten bis zu einem Jahr“ | A.4.6.5, page 23 |
| Retroactive cover for wrongful acts before inception | yes | „Die Rückwärtsversicherung bietet Deckung gegen in“ | A.4.4.2, page 23 |
| Extended reporting period after termination, retirement or leaving the service | yes | „Der Versicherungsschutz gilt für die Dauer von fünf“ | A.4.8, page 25 |
| Change of employer, office or career path covered without new underwriting | not addressed | ||
| Automatic cover for new official risks | yes, up to the sum insured | „Haftpflicht des Versicherungsnehmers aus Risiken, die“ | A.1.9.1, page 20 |
| 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 | yes | „sich um jeweils ein Jahr. Er verlängert sich nicht, wenn“ | B.2.1.2, page 27 |
| Notice period at expiry, daily right of cancellation | yes | „einer der Vertragsparteien spätestens drei Monate vor“ | B.2.1.2, page 27 |
| Contract ends or is suspended on leaving the service, parental leave or leave of absence | yes | „weg, endet damit die Versicherung nach“ | A.4.8, page 25 |
| 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 | „Jeder Versicherungsfall ist dem Versicherer innerhalb“ | B.3.3.2.2.1, page 28 |
| Acknowledgement or payment without the insurer consent does not bind the insurer | yes | „den den Versicherer nur, soweit der Anspruch auch ohne“ | A.1.4.1, page 10 |
| Notification of changed duties, pay grade or risk group required | yes | „Teilen Sie uns mit, ob und in welcher Form sich das versicherte Risiko verändert hat.“ | Informationsblatt, Verpflichtungen, page 2 |
| Innovation clause or performance guarantee against the GDV model conditions | yes | „alle Leistungsverbesserungen, die in einer“ | A.1.6.28.1, page 18 |
| 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
- WGV-Versicherung AG, Württembergische Gemeinde-Versicherung auf Gegenseitigkeit
- Distribution
- direct from the insurer only
- Vertragsunterlagen zur Privathaftpflichtversicherung mit Diensthaftpflicht (php_dienst) Edition: AHB Privat 2024, Druckstück php_dienst ohne Datum 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 WGV Privat- und Plus and available as plain text.
Volltext WGV Privat- und Plus Diensthaftpflicht · As text (Markdown) WGV Privat- und Plus Public servant liability