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AXA alternativ: the policy wording in full
Wohngebäudewerk VGB 2014 ohne eigene Leerstandsklausel: Nichtnutzung des Gebäudes ist anzeigepflichtige Gefahrerhöhung, nicht genutzte Gebäude sind zu kontrollieren und wasserführende Anlagen zu entleeren.
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Everything about this policy
What the policy covers: 59 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for AXA alternativ.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „Versichert ist der ortsübliche Neubauwert der im Versicherungsschein bezeichneten …“ | A § 10 Nr. 1 a, page 10 |
| Vacant building expressly insurable (own policy or vacancy clause) | not addressed | ||
| From when the building counts as vacant or unoccupied (number of days or months) | yes | „ein Gebäude oder der überwiegende Teil eines Gebäudes nicht genutzt wird;“ | Abschnitt B § 9 Nr. 1 b) bb), page 15 |
| Maximum covered vacancy period | not addressed | ||
| Reasons expressly named (inheritance, sale, renovation, care home, change of tenant) | not addressed | ||
| Partial vacancy (individual flats or parts of the building) addressed | yes | „nicht genutzte Gebäude oder Gebäudeteile zu jeder Jahreszeit genügend häufig zu …“ | Abschnitt B § 8 Nr. 1 a) cc), page 15 |
| Vacancy during conversion or renovation covered | not addressed | ||
| Uninhabitable or dilapidated buildings excluded | not addressed |
Perils covered while vacant
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion, implosion) while vacant | yes, up to the sum insured | „Brand ist ein Feuer, das ohne einen bestimmungsgemäßen Herd entstanden ist oder ihn …“ | A § 2 Nr. 1 a, page 8 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „Der Versicherer leistet Entschädigung für versicherte Sachen, die durch …“ | A § 3 Nr. 3 a, page 20 |
| Frost damage to pipes and heating while vacant | yes, up to the sum insured | „frostbedingte Bruchschäden an nachfolgend genannten Installationen:“ | A § 3 Nr. 1 b, page 8 |
| Storm and hail while vacant | yes, up to the sum insured | „Hagel ist ein fester Witterungsniederschlag in Form von Eiskörnern.“ | A § 4 Nr. 2 b, page 8 |
| Other natural hazards while vacant | not addressed | ||
| Vandalism and malicious damage while vacant | not addressed | ||
| Burglary damage to the building (doors, windows, locks) while vacant | not addressed | ||
| Theft of fixed building parts (copper, boiler, fittings) | not addressed | ||
| Glass breakage while vacant | yes, up to the sum insured | „Allgemeine Glasversicherungsbedingungen AGlB 2014“ | Inhaltsübersicht, page 3 |
| Squatting, damage by unauthorised occupants and eviction costs | not addressed |
Restrictions and reductions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Cover excluded or suspended during vacancy | none | „ein Gebäude oder der überwiegende Teil eines Gebäudes nicht genutzt wird;“ | Abschnitt B § 9 Nr. 1 b) bb), page 15 |
| Only limited perils while vacant (for example only fire, storm, hail) | not addressed | ||
| Indemnity limit or reduction while vacant | not addressed | ||
| Special deductible while vacant | not addressed | ||
| Premium surcharge or adjustment for vacancy addressed | yes | „Statt der Kündigung kann der Versicherer ab dem Zeitpunkt der Gefahrerhöhung eine …“ | Abschnitt B § 9 Nr. 3 b), page 15 |
| Waiver of reduction for gross negligence | no | „Führt der Versicherungsnehmer den Schaden grob fahrlässig herbei, so ist der …“ | B § 15 Nr. 1 b, page 29 |
| Contents, valuables or cash excluded in the unoccupied building | not addressed |
Owner's obligations
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Vacancy must be notified (increase in risk), deadline | yes | „ein Gebäude oder der überwiegende Teil eines Gebäudes nicht genutzt wird;“ | Abschnitt B § 9 Nr. 1 b) bb), page 15 |
| Regular inspections required (interval in days or weeks) | yes | „nicht genutzte Gebäude oder Gebäudeteile zu jeder Jahreszeit genügend häufig zu …“ | Abschnitt B § 8 Nr. 1 a) cc), page 15 |
| Proof or log of inspections required | not addressed | ||
| Shut off and drain water pipes | yes | „dort alle wasserführenden Anlagen und Einrichtungen abzusperren, zu entleeren und …“ | Abschnitt B § 8 Nr. 1 a) cc), page 15 |
| Heat during the cold season or drain the heating system | yes | „in der kalten Jahreszeit alle Gebäude und Gebäudeteile zu beheizen und dies genügend …“ | B § 8 Nr. 1 a, page 15 |
| Keep the building locked and secured (doors, windows, access) | not addressed | ||
| Remove combustible waste and objects | not addressed | ||
| Switch off electricity or gas (except for heating and alarm) | not addressed | ||
| Duty of care (snow clearing, gritting, trees, roof) still to be met | not addressed | ||
| Consequences of a breach of obligations (reduction by fault, causality) | yes | „Danach kann der Versicherer zur Kündigung berechtigt oder auch ganz oder teilweise …“ | Abschnitt B § 8 Nr. 1 c), page 15 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to EUR 100,000 | „Entschädigt werden Aufräumungs-, Abbruch-, Bewegungs- und Schutzkosten gemäß Abschnitt …“ | C 4, page 18 |
| Costs of emergency securing (boarding, temporary glazing, guarding) | not addressed | ||
| Leak detection and excavation costs | not addressed | ||
| Extra costs for lost water and frost protection | not addressed | ||
| Loss of rent or use after a loss | yes, up to the sum insured | „Räume wieder benutzbar sind, höchstens jedoch für 12 Monate seit dem Eintritt des …“ | A § 9 Nr. 2 a, page 10 |
| Graffiti on external walls | not addressed | ||
| Damage by animals or pests (martens, rodents) | not addressed | ||
| Cover until transfer of ownership on sale, transfer to the buyer | yes | „in die während der Dauer seines Eigentums aus dem Versicherungsverhältnis sich …“ | Abschnitt B § 14 Nr. 1 a), page 16 |
Owner's liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability as property owner for the vacant building included | yes, up to the sum insured | „Besondere Bedingungen für den Baustein Hausbesitzer“ | Inhaltsübersicht, page 3 |
| Sum insured of owner's liability | not addressed | ||
| Liability limited in time or excluded during vacancy | not addressed | ||
| Water pollution and sewage damage (oil tank, sewage) in the liability part | not addressed | ||
| Defence against unjustified claims and legal costs | not addressed |
Contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| General deductible | none | „ausgewiesene Selbstbeteiligung gekürzt.“ | A § 12, page 12 |
| Minimum term | not addressed | ||
| Short term policy or monthly cancellation for the vacancy period | not addressed | ||
| Return to the normal policy on reoccupation | not addressed | ||
| Insurer's right to cancel because of vacancy | yes | „Wird dem Versicherer eine Gefahrerhöhung in den Fällen nach Nr. 2 b) und Nr. 2 c) …“ | Abschnitt B § 9 Nr. 3 a), page 15 |
| Waiver of underinsurance | no | „hingegen höherwertig sein, werden die ortsüblichen Wiederherstellungskosten“ | A § 11 Nr. 4 b, page 12 |
| Transfer of the policy to heirs or a new owner | yes | „in die während der Dauer seines Eigentums aus dem Versicherungsverhältnis sich …“ | Abschnitt B § 14 Nr. 1 a), page 16 |
Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Extraordinary risks via the Consorcio de Compensación de Seguros | not addressed | ||
| Distinction between main residence, second home and vacant home | not addressed | ||
| Threshold in days after which the home counts as deshabitada (consecutive or in total) | not addressed |
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Policy wordings and provider
- Legal entity
- AXA Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Versicherungsbedingungen und Information alternativ Stand: September 2016 Edition: BOXflex Kompendium September 2016, VGB 2014 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 AXA alternativ and available as plain text.
Volltext AXA alternativ Leerstandsversicherung · As text (Markdown) AXA alternativ Vacant property cover