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BGV Kraftfahrt Firmen: the policy wording in full
Kfz-Versicherung für gewerblich genutzte Fahrzeuge nach AKB-G 2021 mit eigener Fahrzeugart Taxen und Mietwagen, eigener SF- und Rückstufungstabelle und Verzicht auf grobe Fahrlässigkeit, ohne Schutzbrief und Fahrerschutz für Taxen.
German market: tariffs for people living in Germany.
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Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for BGV Kraftfahrt Firmen.
Basics and insured vehicles
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Taxis expressly insured as a risk (own taxi clause or taxi tariff) | yes | „Taxen sind Pkw, die der Unternehmer an behördlich zugelassenen Stellen bereithält“ | Anhang 3 Nr. 7, page 35 |
| Private hire vehicles with driver (PBefG hire car, VTC in Spain) insurable | yes | „Mietwagen sind Pkw, mit denen ein genehmigungspflichtiger“ | Anhang 3 Nr. 6, page 35 |
| Trips booked via ride hailing platforms (Uber, Bolt, FREE NOW) expressly included | not addressed | ||
| Patient transport and school runs by taxi or hire car included | not addressed | ||
| Wheelchair accessible vehicles (inclusion taxi) including ramp and restraint system insured | not addressed | ||
| Private use of the taxi or hire car insured | not addressed | ||
| Maximum number of seats for the taxi tariff (e.g. up to 8 seats) | yes | „Pkw sind als Personenkraftwagen zugelassene Kraftfahrzeuge mit höchstens acht …“ | Anhang 3 Nr. 5, page 35 |
| Several taxis or hire cars in one contract (small fleet) | not addressed |
Motor third party liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Third party liability limit (combined or per type of damage) | yes, up to the sum insured | „Die Höhe der vereinbarten Versicherungssumme je Schadenereignis können Sie Ihrem …“ | Informationsblatt, page 4 |
| Maximum per injured person for bodily injury | not addressed | ||
| Liability claims of passengers covered, without restriction to the statutory minimum | not addressed | ||
| Voluntary liability above compulsory cover | not addressed | ||
| Liability top up for hired vehicles abroad (Mallorca cover) | no | „Dies gilt für Unfälle mit einem vorübergehend gemieteten, versicherungspflichtigen Pkw …“ | A.1.1.7, page 8 |
| Trailers and luggage trailers covered | yes, up to the sum insured | „Ist mit dem versicherten Kraftfahrzeug ein Anhänger oder Auflieger“ | A.1.1.5, page 8 |
| Damage while loading, unloading and passengers getting in or out | not addressed | ||
| Territorial scope (Europe, EU, Spain only) | yes | „Sie haben in der Kfz-Haftpflichtversicherung Versicherungsschutz in den geographischen …“ | A.1.4.1, page 8 |
Partial and comprehensive cover
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Partial cover offered for taxis and hire cars | yes | „Versichert ist der Zusammenstoß des in Fahrt befindlichen Fahrzeugs mit Tieren aller Art.“ | A.2.2.1.4, page 10 |
| Comprehensive cover offered for taxis and hire cars | yes | „Einstufung von Taxen und Mietwagen in Schadenfreiheitsklassen“ | Anhang 1 Nr. 3.1, page 32 |
| Taxi equipment covered (roof sign, taximeter, radio, alarm, payment terminal) | not addressed | ||
| Safety partition and interior camera covered | not addressed | ||
| Interior damage caused by passengers (soiling, vandalism) covered | not addressed | ||
| Collision with animals of all kinds under partial cover | yes | „Versichert ist der Zusammenstoß des in Fahrt befindlichen Fahrzeugs mit Tieren aller Art.“ | A.2.2.1.4, page 10 |
| Glass breakage covered | yes, up to the sum insured | „Versichert sind Bruchschäden an der Verglasung des Fahrzeuges.“ | A.2.2.1.6, page 10 |
| Marten bite including consequential damage | no | „Versichert sind durch Tierbiss unmittelbar verursachte Schäden bei einem Pkw …“ | A.2.2.1.5, page 10 |
| New or purchase price compensation (duration in months quoted) | no | „Bei Pkw (ausgenommen Mietwagen, Taxen, Selbstfahrervermiet-Pkw und Leasing-Fahrzeuge) …“ | A.2.5.1.2, page 11 |
| GAP cover for leased or financed vehicles | no | „GAP-Versicherung für Leasing- und kreditfinanzierte Fahrzeuge (nur für Pkw und Lkw bis …“ | A.2.5.2, page 12 |
| Waiver of the gross negligence defence (exceptions quoted) | yes | „Wir verzichten Ihnen gegenüber in der Kaskoversicherung auf den Einwand der grob …“ | A.2.9.2, page 13 |
| Deductible under partial cover | yes, up to the sum insured | „Ist eine Selbstbeteiligung vereinbart, wird diese bei jedem Schadenereignis für jedes …“ | A.2.5.9, page 13 |
| Deductible under comprehensive cover | yes, up to the sum insured | „Ist eine Selbstbeteiligung vereinbart, wird diese bei jedem Schadenereignis für jedes …“ | A.2.5.9, page 13 |
| Workshop restriction (repair only at partner garage) | not addressed |
Loss of use and business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of earnings or daily allowance after accident downtime | not addressed | ||
| Daily amount and maximum number of days | not addressed | ||
| Waiting days before first payment | not addressed | ||
| Replacement taxi or hire car after accident, breakdown or theft | not addressed | ||
| Benefit on withdrawal of driving licence or passenger transport permit | not addressed | ||
| Business interruption of the taxi business (lost profit, fixed costs) | not addressed | ||
| Assistance in recovering loss of use from the liable party | not addressed |
Driver and occupants
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal accident cover for passengers | yes, up to the sum insured | „Bei der Mitfahrerunfallversicherung nach dem Pauschalsystem ist jeder berechtigte Insasse“ | A.4.2.2, page 16 |
| Death benefit per occupant | not addressed | ||
| Disability benefit per occupant | not addressed | ||
| Driver protection (bodily injury of own driver in at fault accident) | no | „Die Fahrerschutzversicherung kann nur für Pkw, LKW bis 3,5 t oder Campingfahrzeuge für …“ | A.5.3, page 19 |
| Employed and changing drivers without naming | not addressed | ||
| Restriction or surcharge for young or new drivers (age, licence years quoted) | not addressed | ||
| Benefit for robbery or violence against the driver | not addressed | ||
| Daily takings covered for robbery or theft | not addressed |
Assistance and legal expenses
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakdown and accident assistance at the scene | no | „Pkw einschließlich Kombinationskraftfahrzeuge“ | A.3.3, page 14 |
| Towing (maximum amount or kilometres quoted) | no | „Pkw einschließlich Kombinationskraftfahrzeuge“ | A.3.3, page 14 |
| Assistance from kilometre 0, also at the taxi rank | not addressed | ||
| Onward transport of passengers after breakdown or accident | not addressed | ||
| Motor or business legal expenses for the taxi business | not addressed | ||
| Recovery of damages from the other party | not addressed | ||
| Criminal bail abroad | not addressed |
Exclusions and obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| No cover without valid licence, permit or passenger transport licence | yes | „Der Fahrer des Fahrzeugs darf das Fahrzeug auf öffentlichen Wegen oder Plätzen nur mit …“ | D.1.1.3, page 22 |
| Use clause: reduced benefit for use other than declared | yes | „Das Fahrzeug darf nur zu dem im Versicherungsvertrag angegebenen Zweck verwendet werden.“ | D.1.1.1, page 22 |
| Recourse or reduction for alcohol or drugs (amount quoted) | yes, up to EUR 5,000 | „Personen gegenüber auf den Betrag von höchstens je 5.000 Euro beschränkt.“ | D.2.3, page 22 |
| Maximum recourse for breach of obligation | yes, up to EUR 5,000 | „Personen gegenüber auf den Betrag von höchstens je 5.000 Euro beschränkt.“ | D.2.3, page 22 |
| Exclusion of races and driving events | yes | „Kein Versicherungsschutz besteht für Schäden, die bei Beteiligung an …“ | A.2.9.3, page 13 |
| Exclusion of war, terror, civil unrest | yes | „Kriegsereignisse, innere Unruhen oder Maßnahmen der Staatsgewalt“ | A.2.9, page 13 |
| Claims notification deadline | yes | „durch uns führen kann, innerhalb einer Woche anzuzeigen.“ | E.1.1.1, page 22 |
Contract and rating
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Own no claims or bonus malus scale for taxis and hire cars | yes | „Einstufung von Taxen und Mietwagen in Schadenfreiheitsklassen“ | Anhang 1 Nr. 3.1, page 32 |
| Downgrade after a claim (taxi downgrade table) | yes | „Rückstufung im Schadenfall bei Taxen und Mietwagen“ | Anhang 1 Nr. 3.2, page 33 |
| Transfer of no claims discount from private car or previous insurer | not addressed | ||
| Bonus protection for taxis and hire cars | yes | „Haben Sie mit uns Rabattschutz vereinbart gilt dieser in der“ | I.9.1, page 29 |
| Fixed contribution or deductible per liability claim | not addressed | ||
| Mileage cap or premium rule by annual mileage | not addressed | ||
| Contract term and notice period | yes | „Ist der Vertrag mit einer Laufzeit von einem Jahr abgeschlossen, verlängert er sich zum …“ | G.1.3, page 24 |
| Right of both parties to cancel after a claim | yes | „Nach dem Eintritt eines Schadenereignisses können Sie den Vertrag kündigen.“ | G.2.3, page 24 |
| Guarantee of at least model conditions or previous contract | not addressed |
Evaluated by NAMMERT from published policy wordings.
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Policy wordings and provider
- Legal entity
- BGV-Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Kraftfahrtversicherung Firmen, Verbraucherinformation und AKB-G (f9628, 01/22), mit Taxen, Mietwagen und Selbstfahrvermietfahrzeugen Edition: AKB-G 2021, Stand 09/2021 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 BGV Kraftfahrt Firmen and available as plain text.
Volltext BGV Kraftfahrt Firmen Taxiversicherung · As text (Markdown) BGV Kraftfahrt Firmen Taxi insurance