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die Bayerische Inhaltsversicherung (Klausel Kühl- und Tiefkühlgut): the policy wording in full
Klausel Kühl- und Tiefkühlgut zur Inhaltsversicherung der VSG auf Erstes Risiko für Lebensmittel, Waren und Vorräte in Tiefkühlanlagen gegen Kältemittel, Temperaturabweichung, Versagen der Kühleinrichtung und Wasser, ohne Ertragsausfall.
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Everything about this policy
What the policy covers: 61 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for die Bayerische Inhaltsversicherung
(Klausel Kühl- und Tiefkühlgut).
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for refrigerated goods (stock in cooling systems) | as stated in the policy schedule | „bis zu der hierfür vereinbarten Versicherungssumme gemäß Pauschaldeklaration auf Erstes …“ | VSG / B 040155 Nr. 1, page 11 |
| Contract form: stand-alone spoilage policy or add-on clause to contents, electronic equipment or machinery insurance | no | „Teil B: Inhaltsversicherung (diese Klauseln gelten automatisch vereinbart)“ | Inhaltsverzeichnis, page 1 |
| First-loss cover (no underinsurance deduction) | yes | „bis zu der hierfür vereinbarten Versicherungssumme gemäß Pauschaldeklaration auf Erstes …“ | VSG / B 040155 Nr. 1, page 11 |
| Waiver of underinsurance for full-value cover | not addressed | ||
| Insured value of the goods: replacement cost or production cost on the day of loss | yes | „eine spezifizierte Aufstellung der vom Schaden betroffenen Ware auf Basis der …“ | VSG / B 040155 Nr. 6 b cc, page 12 |
| Selling price as basis of indemnity (retail or goods already sold) | not addressed | ||
| Indemnity limit for spoilage per loss | yes | „bis zu der hierfür vereinbarten Versicherungssumme gemäß Pauschaldeklaration“ | VSG / B 040155 Nr. 1, page 11 |
| Annual aggregate limit for all spoilage losses | not addressed | ||
| Reporting, provisional or seasonal cover for fluctuating stock | not addressed |
Insured goods and locations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Merchandise in refrigerators and freezers | yes | „erstreckt sich der Versicherungsschutz auf Waren und Vorräte (einschließlich …“ | VSG / B 040155 Nr. 2, page 11 |
| Raw materials, supplies, work in progress and finished products | yes | „auf Waren und Vorräte (einschließlich Halbfabrikate und Rohstoffe)“ | VSG / B 040155 Nr. 2, page 11 |
| Food and beverages in restaurants, hotels and food trades | yes | „Als Kühlgut und gleichzeitig als versicherte Sache gelten Lebensmittel, welche in …“ | VSG / B 040155 Nr. 2, page 11 |
| Medicines, vaccines, blood, lab and tissue samples (pharmacy, practice, lab) | yes | „Entschädigung für Medikamente, die durch ein unvorhergesehenes Versagen der …“ | VSG / B 040152 Nr. 1, page 10 |
| Third-party goods in your care (customer, consignment or contract goods) | not addressed | ||
| Required storage temperature as condition of cover (for example below minus 18 degrees) | yes | „Die Temperatur darf nie wärmer als -18 Grad Celsius sein. Für Eiskrem sind -20 Grad …“ | VSG / B 040155 Nr. 5 a bb, page 11 |
| Location of cover: only the cooling systems and cold rooms named in the policy | yes | „solange sie in Tiefkühlanlagen (Tiefkühlräume, -truhen, -vitrinen …“ | VSG / B 040155 Nr. 2, page 11 |
| Goods in refrigerated vehicles, containers or sales vans | not addressed | ||
| Transit risk when relocating or delivering goods (extension, distance in km) | not addressed |
Insured causes of spoilage
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| All-risks cover (any unforeseen cause not excluded) | no | „Der Versicherer ersetzt Sachschäden durch“ | VSG / B 040155 Nr. 3, page 11 |
| Breakdown or defect of the cooling system (compressor, evaporator, condenser) | yes | „Versagen oder Niederbrechen der maschinellen Kühleinrichtungen“ | VSG / B 040155 Nr. 3 c, page 11 |
| Power cut in the public grid | yes | „falls der Schaden auf einer Störung im Stromnetz beruht, eine Bestätigung des …“ | VSG / B 040155 Nr. 6 b bb, page 12 |
| Failure of the internal power supply (fuse, wiring, emergency power) | yes | „Nichteinhaltung der vorgeschriebenen oder üblichen Temperatur oder Luftfeuchtigkeit“ | VSG / B 040155 Nr. 3 b, page 11 |
| Escape of refrigerant and resulting contamination of goods | yes | „Sole, Ammoniak oder andere Kältemittel“ | VSG / B 040155 Nr. 3 a, page 11 |
| Failure of measuring, control and safety devices (thermostat, controller) | yes | „Nichteinhaltung der vorgeschriebenen oder üblichen Temperatur oder Luftfeuchtigkeit“ | VSG / B 040155 Nr. 3 b, page 11 |
| Operating error, clumsiness or negligence of staff (such as a door left open) | not addressed | ||
| Malicious damage, sabotage or vandalism to the cooling system | not addressed | ||
| Spoilage following fire, water, storm or burglary damage to the system | yes | „Wasser jeder Art.“ | VSG / B 040155 Nr. 3 d, page 11 |
| Minimum duration of the outage before cover applies (waiting period in hours) | not addressed |
Costs and consequential loss
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Costs of moving goods to other cold stores or hiring temporary cooling | not addressed | ||
| Disposal and destruction costs for spoiled goods | not addressed | ||
| Costs of averting or reducing the loss | not addressed | ||
| Expert fees and costs of testing the goods (such as lab analysis) | not addressed | ||
| Cleaning and disinfection of the cooling system after a loss | not addressed | ||
| Business interruption or loss of profit following spoilage | no | „Für Ertragsausfallschäden infolge eines versicherten Schadens besteht kein …“ | VSG / B 040155 Nr. 2, page 11 |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: wear and tear or ageing of the cooling equipment | yes | „durch gewöhnliche Abnutzung der maschinellen Kühleinrichtungen“ | VSG / B 040155 Nr. 4 a, page 11 |
| Exclusion: announced or planned power shutdowns | yes | „durch angekündigte Stromabschaltungen.“ | VSG / B 040155 Nr. 4 c, page 11 |
| Exclusion: power cuts ordered by authorities, load shedding or grid operator measures | not addressed | ||
| Exclusion: supply cut-off for non-payment or end of supply contract | not addressed | ||
| Exclusion: natural deterioration, shrinkage, weight loss, discolouration | yes | „durch Schwund oder natürlichen Verderb der Waren“ | VSG / B 040155 Nr. 4 b, page 11 |
| Exclusion: goods past their use-by or best-before date | not addressed | ||
| Exclusion: improper storage, overloading, wrong temperature setting, poor packaging | not addressed | ||
| Exclusion: defects of the system known at inception or before the loss | not addressed | ||
| Exclusion: losses during maintenance, repair, defrosting or test runs | not addressed | ||
| Exclusion: failure caused by cyber attack or malware in the controls | not addressed |
Obligations and safety requirements
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Required temperature alarm with transmission to a permanently staffed point | not addressed | ||
| Required maintenance contract or regular servicing by a specialist | yes | „die vorgeschriebene Überprüfung durch Fachpersonal sicherzustellen“ | VSG / B 040155 Nr. 5 a aa, page 11 |
| Required temperature recording or daily checks | yes | „die Temperatur in der Tiefkühltruhe dreimal täglich zu prüfen.“ | VSG / B 040155 Nr. 5 a bb, page 11 |
| Required standby refrigeration unit or emergency power | not addressed | ||
| Compliance with food and pharmaceutical regulations (such as HACCP) as an obligation | not addressed | ||
| Keep spoiled goods until inspection, report the loss without delay | not addressed | ||
| Required stock records (inventory, stock book) as proof | yes | „die Einkaufsrechnungen über die vom Schaden betroffene Ware“ | VSG / B 040155 Nr. 6 b dd, page 12 |
Deductible and indemnity
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fixed deductible per loss | not addressed | ||
| Percentage deductible of the loss (with minimum and maximum) | not addressed | ||
| Partial loss rules: loss of value, salvage and credit for remaining goods | yes | „unter Berücksichtigung des Erlöses aus dem Verkauf bzw. Eigenverbrauch noch …“ | VSG / B 040155 Nr. 6 b cc, page 12 |
| Waiver of reduction for gross negligence | not addressed | ||
| Due date of indemnity and interim payment | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Minimum contract term | not addressed | ||
| Right of either party to cancel after a loss | yes | „Das Kündigungsrecht nach einem Versicherungsfall nach Teil A 14 Nr. 1 VSG gilt auch für“ | VSG / A 140101, page 6 |
| Territorial scope (domestic, business premises, external stores) | yes | „solange sie in Tiefkühlanlagen (Tiefkühlräume, -truhen, -vitrinen …“ | VSG / B 040155 Nr. 2, page 11 |
| Automatic cover for new premises and newly acquired cooling systems | not addressed | ||
| Premium adjustment clause (index-linked change without termination right) | 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
- Klauseln zur Inhaltsversicherung (VSG), darin Klausel Kühl- und Tiefkühlgut (VSG / B 040155 / 14) Edition: die Bayerische2022, Stand 01/2023 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 Inhaltsversicherung (Klausel Kühl- und
Tiefkühlgut) and available as plain text.
Volltext die Bayerische Inhaltsversicherung (Klausel Kühl- und Tiefkühlgut) Kühlgutversicherung · As text (Markdown) die Bayerische Inhaltsversicherung (Klausel Kühl- und Tiefkühlgut) Refrigerated stock