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Gothaer Ein- und Zweifamilienhaus Premium: the policy wording in full
Gothaer Wohngebäudeversicherung für Ein- und Zweifamilienhäuser (WEZ 2019), Produktlinie Premium, zum ortsüblichen Neubauwert mit hohen Kostengrenzen; Leerstand ist anzeigepflichtige Gefahrerhöhung mit Kontroll-, Heiz- und Entleerungspflichten.
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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 Gothaer Ein- und Zweifamilienhaus
Premium.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „Eine Versicherungssumme gibt es nicht. Versichert ist der ortsübliche Neubauwert des …“ | Produktinformation, page 3 |
| 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“ | A § 18 Nr. 1 b), page 29 |
| 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 …“ | A § 17 Nr. 1 b), page 28 |
| Vacancy during conversion or renovation covered | yes | „an einem Gebäude Baumaßnahmen durchgeführt werden, in deren Verlauf das Dach ganz oder …“ | A § 18 Nr. 1 c), page 29 |
| Uninhabitable or dilapidated buildings excluded | none | „Bei Gebäuden, die zum Abbruch bestimmt oder sonst dauernd entwertet sind, ist nur noch …“ | A § 11 Nr. 1 b), page 24 |
Perils covered while vacant
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion, implosion) while vacant | yes, up to the sum insured | „leistet der Versicherer je nach vereinbarter Produktlinie Entschädigung für versicherte …“ | A § 1 Nr. 1 a), page 13 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „Entschädigung für versicherte Sachen, die durch a) Feuer b) Leitungswasser“ | A § 1 Nr. 1 b), page 12 |
| Frost damage to pipes and heating while vacant | not addressed | ||
| Storm and hail while vacant | yes, up to the sum insured | „c) Naturgefahren aa) Sturm, Hagel“ | A § 1 Nr. 1 c), page 13 |
| Other natural hazards while vacant | yes, up to the sum insured | „nur über weitere Elementargefahren“ | § 4 Nr. 3, page 8 |
| Vandalism and malicious damage while vacant | yes, up to EUR 5,000 | „Mutwillige Beschädigungen liegen vor, wenn ein Täter versicherte Gebäude oder …“ | A § 8 v), page 23 |
| Burglary damage to the building (doors, windows, locks) while vacant | yes, up to EUR 500,000 | „Gebäudebeschädigungen durch unbefugte Dritte Bis 500.000 EUR Bis 500.000 EUR“ | A § 8 o), page 9 |
| Theft of fixed building parts (copper, boiler, fittings) | yes, up to EUR 5,000 | „Diebstahl von außen am Gebäude angebrachten Sachen“ | A § 8 u), page 9 |
| Glass breakage while vacant | yes, up to the sum insured | „Glasbruch“ | A § 5, 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 | not addressed | ||
| 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 | none | „Statt der Kündigung kann der Versicherer ab dem Zeitpunkt der Gefahrerhöhung einen …“ | B § 9 Nr. 3, page 35 |
| Waiver of reduction for gross negligence | yes, up to EUR 500,000 | „Verzicht auf Einrede grober Fahrlässigkeit bei Herbeiführung des Versicherungsfalls“ | A § 12 Nr. 11, page 9 |
| 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 | none | „muss der Versicherungsnehmer dem Versicherer unverzüglich anzeigen, nachdem er von ihr …“ | B § 9 Nr. 2 c), page 35 |
| Regular inspections required (interval in days or weeks) | none | „nicht genutzte Gebäude oder Gebäudeteile zu jeder Jahreszeit genügend häufig zu …“ | A § 17 Nr. 1 b), page 28 |
| Proof or log of inspections required | not addressed | ||
| Shut off and drain water pipes | none | „dort alle wasserführenden Anlagen und Einrichtungen abzusperren, zu entleeren und …“ | A § 17 Nr. 1 b), page 29 |
| Heat during the cold season or drain the heating system | none | „in der kalten Jahreszeit alle Gebäude und Gebäudeteile zu beheizen und dies genügend …“ | A § 17 Nr. 1 c), page 28 |
| 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 | „ist der Versicherer unter den in Abschnitt B § 8 Nr. 1 b) und Nr. 3 beschriebenen …“ | A § 17 Nr. 2, page 28 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to EUR 500,000 | „Aufräumungs- und Abbruchkosten Bis 50.000 EUR Bis 150.000 EUR Bis 500.000 EUR“ | A § 8 c), page 8 |
| Costs of emergency securing (boarding, temporary glazing, guarding) | yes, up to EUR 500,000 | „Kosten für provisorische Maßnahmen Bis 50.000 EUR Bis 150.000 EUR Bis 500.000 EUR“ | A § 8 f), page 8 |
| Leak detection and excavation costs | yes, up to EUR 350 | „Leckageortungskosten bei einem nicht ersatzpflichtigen Leitungswasserschaden“ | A § 8 r), page 22 |
| Extra costs for lost water and frost protection | yes, up to EUR 5,000 | „Wasserverlust Bis 5.000 EUR Bis 5.000 EUR“ | A § 8 i), page 8 |
| Loss of rent or use after a loss | yes, up to the sum insured | „Mietausfall (Wohnräume) 12 Monate 24 Monate 36 Monate“ | A § 10 Nr. 2, page 9 |
| Graffiti on external walls | yes, up to EUR 5,000 | „Graffitischäden Selbstbeteiligung Bis 5.000 EUR“ | A § 8 p), page 9 |
| Damage by animals or pests (martens, rodents) | yes, up to the sum insured | „Tierbiss an elektrischen Anlagen und Leitungen Schäden durch Haarwild“ | A § 8 s), t), page 9 |
| Cover until transfer of ownership on sale, transfer to the buyer | yes | „Wird die versicherte Sache vom Versicherungsnehmer veräußert, so tritt zum Zeitpunkt …“ | A § 19 Nr. 1 a), page 29 |
Owner's liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Liability as property owner for the vacant building included | not addressed | ||
| 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 | not addressed | ||
| 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 | none | „kann der Versicherer den Vertrag fristlos kündigen, wenn der Versicherungsnehmer seine …“ | B § 9 Nr. 3 a), page 35 |
| Waiver of underinsurance | yes | „Sollte im Zeitpunkt des Versicherungsfalls die konkrete Bauausgestaltung hingegen …“ | A § 12 Nr. 4 b), page 26 |
| Transfer of the policy to heirs or a new owner | not addressed |
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 |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- Gothaer Allgemeine Versicherung Aktiengesellschaft, Gothaer Versicherungsbank VVaG
- Distribution
- brokers and direct
- Gothaer Kundeninformation Wohngebäude (WEZ 2019) Edition: WEZ 2019 (216486, 01.2019) Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for Gothaer Ein- und Zweifamilienhaus Premium and available as
plain text.
Volltext Gothaer Ein- und Zweifamilienhaus Premium Leerstandsversicherung · As text (Markdown) Gothaer Ein- und Zweifamilienhaus Premium Vacant property cover