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R+V UnternehmensPolice Sachversicherungen: the policy wording in full
Kühlgutbaustein der R+V-Sachversicherung für Waren und Vorräte in stationären Kühl- und Tiefkühlanlagen gegen Austritt von Kühlmitteln, Temperaturabweichung und Versagen der Kühleinrichtung, mit allgemeinen Regeln der Inhaltsversicherung.
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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 R+V UnternehmensPolice
Sachversicherungen.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured for refrigerated goods (stock in cooling systems) | as stated in the policy schedule | ||
| Contract form: stand-alone spoilage policy or add-on clause to contents, electronic equipment or machinery insurance | no | „Die nachfolgenden Texte gelten nur bei Bestehen einer Kühlgutversicherung.“ | SB Kühlgut, page 149 |
| First-loss cover (no underinsurance deduction) | not addressed | ||
| Waiver of underinsurance for full-value cover | yes | „nicht anzuwenden, wenn der Schaden 5 Prozent der Versicherungssumme, maximal 500.000 …“ | BB Gebäude und Inhalt 16.6, page 59 |
| Insured value of the goods: replacement cost or production cost on the day of loss | yes | „Der Versicherungswert von Waren und Vorräten ist der Betrag, der aufzuwenden ist, um …“ | BB Inhalt 17.2, page 81 |
| Selling price as basis of indemnity (retail or goods already sold) | no | „Der Versicherungswert ist begrenzt durch den erzielbaren Verkaufspreis“ | BB Inhalt 17.2, page 81 |
| Indemnity limit for spoilage per loss | not addressed | ||
| Annual aggregate limit for all spoilage losses | not addressed | ||
| Reporting, provisional or seasonal cover for fluctuating stock | yes | „Der Unterversicherungsverzicht gilt nicht für Vorräte, für die Stichtagsversicherung …“ | BB Gebäude und Inhalt 16.6, page 59 |
Insured goods and locations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Merchandise in refrigerators and freezers | yes | „Der Versicherer leistet Entschädigung für Sachschäden an Waren und Vorräten in …“ | SB Kühlgut Nr. 3, page 149 |
| Raw materials, supplies, work in progress and finished products | not addressed | ||
| Food and beverages in restaurants, hotels and food trades | not addressed | ||
| Medicines, vaccines, blood, lab and tissue samples (pharmacy, practice, lab) | not addressed | ||
| 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) | not addressed | ||
| Location of cover: only the cooling systems and cold rooms named in the policy | yes | „in stationären Tiefkühltruhen aller Art und stationären Kühl-/Tiefkühlräumen.“ | SB Kühlgut Nr. 3, page 149 |
| Goods in refrigerated vehicles, containers or sales vans | no | „in stationären Tiefkühltruhen aller Art und stationären Kühl-/Tiefkühlräumen.“ | SB Kühlgut Nr. 3, page 149 |
| 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“ | SB Kühlgut Nr. 1, page 149 |
| Breakdown or defect of the cooling system (compressor, evaporator, condenser) | yes | „Versagen der maschinellen Kühleinrichtung.“ | SB Kühlgut Nr. 1, page 149 |
| Power cut in the public grid | yes | „Abweichungen von der vorgeschriebenen Temperatur oder Luftfeuchtigkeit“ | SB Kühlgut Nr. 1, page 149 |
| Failure of the internal power supply (fuse, wiring, emergency power) | yes | „Abweichungen von der vorgeschriebenen Temperatur oder Luftfeuchtigkeit“ | SB Kühlgut Nr. 1, page 149 |
| Escape of refrigerant and resulting contamination of goods | yes | „Austritt von Kühlmitteln“ | SB Kühlgut Nr. 1, page 149 |
| Failure of measuring, control and safety devices (thermostat, controller) | yes | „Abweichungen von der vorgeschriebenen Temperatur oder Luftfeuchtigkeit“ | SB Kühlgut Nr. 1, page 149 |
| 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 | not addressed | ||
| 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 | yes | „für das Abfahren von Schutt und sonstigen Resten zum nächsten Ablagerungsplatz und für …“ | BB Gebäude und Inhalt 15.1, page 54 |
| 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 | not addressed |
Exclusions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion: wear and tear or ageing of the cooling equipment | yes | „gewöhnliche Abnutzung der maschinellen Kühleinrichtung“ | SB Kühlgut Nr. 2, page 149 |
| Exclusion: announced or planned power shutdowns | yes | „angekündigte Stromabschaltungen.“ | SB Kühlgut Nr. 2, page 149 |
| Exclusion: power cuts ordered by authorities, load shedding or grid operator measures | yes | „Verfügung von hoher Hand“ | SB Kühlgut Nr. 2, page 149 |
| Exclusion: supply cut-off for non-payment or end of supply contract | not addressed | ||
| Exclusion: natural deterioration, shrinkage, weight loss, discolouration | yes | „Schwund oder natürlichen Verderb der Waren“ | SB Kühlgut Nr. 2, page 149 |
| 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 | „Insbesondere sind das regelmäßige Abtauen der Anlage und die vorgeschriebene …“ | SB Kühlgut Nr. 4, page 149 |
| Required temperature recording or daily checks | not addressed | ||
| 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 | not addressed |
Deductible and indemnity
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fixed deductible per loss | yes | „wird je Versicherungsfall um die vereinbarten Selbstbeteiligungen gekürzt.“ | Sachversicherung 22, page 41 |
| Percentage deductible of the loss (with minimum and maximum) | not addressed | ||
| Partial loss rules: loss of value, salvage and credit for remaining goods | not addressed | ||
| Waiver of reduction for gross negligence | yes, up to EUR 20,000 | „Bei Versicherungsfällen bis zu einer Schadenhöhe von insgesamt 20.000 EUR verzichtet …“ | Sachversicherung 33.1, page 46 |
| Due date of indemnity and interim payment | yes | „Der Versicherungsnehmer kann einen Monat nach Meldung des Schadens den Betrag als …“ | BB Gebäude und Inhalt 22.1, page 63 |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Minimum contract term | none | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | AT 2.2, page 4 |
| Right of either party to cancel after a loss | yes | „Nach dem Eintritt eines Versicherungsfalls kann jede der Vertragsparteien den …“ | Sachversicherung 31.1, page 45 |
| Territorial scope (domestic, business premises, external stores) | yes | „Versicherungsschutz besteht nur innerhalb des Versicherungsorts.“ | BB Gebäude und Inhalt 6, page 52 |
| Automatic cover for new premises and newly acquired cooling systems | yes | „Als Versicherungsort gelten, soweit nichts anderes vereinbart, innerhalb der …“ | BB Gebäude und Inhalt 8.1, page 52 |
| Premium adjustment clause (index-linked change without termination right) | yes | „Anpassung des Beitrags an die Schaden- und Kostenentwicklung“ | Sachversicherung 38.2, page 48 |
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
- R+V Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen R+V-UnternehmensPolice Sachversicherungen, darin Spezielle Bedingungen zur Versicherung von Schäden an Kühlgut Edition: KFM0726, SB Kühlgut Stand 01.04.2015 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 R+V UnternehmensPolice Sachversicherungen and available as
plain text.
Volltext R+V UnternehmensPolice Sachversicherungen Kühlgutversicherung · As text (Markdown) R+V UnternehmensPolice Sachversicherungen Refrigerated stock