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Interlloyd Infinitus: the policy wording in full
Interlloyd Wohngebäudeversicherung Infinitus im Quadratmetermodell (AGB 2025 und BBL Infinitus 2025) mit unbegrenzter Höchstentschädigung; Nichtnutzung ist anzeigepflichtige Gefahrerhöhung, Kontroll-, Heiz- und Entleerungspflichten gelten.
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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 Interlloyd Infinitus.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „B14-1 Neubauwert Versichert ist der ortsübliche Neubauwert der im Versicherungsschein …“ | B14-1, page 93 |
| 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 | „B22-1.2 Das Gebäude oder der überwiegende Teil des Gebäudes wird nicht mehr genutzt.“ | B22-1.2, page 99 |
| 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 | „B21-1.2 Nicht genutzte Gebäude oder Gebäudeteile müssen zu jeder Jahreszeit genügend …“ | B21-1.2, page 99 |
| Vacancy during conversion or renovation covered | yes | „B22-1.4 Baumaßnahmen am Gebäude führen dazu, dass es überwiegend unbenutzbar wird.“ | B22-1.4, page 99 |
| Uninhabitable or dilapidated buildings excluded | none | „B14-2 Gemeiner Wert Bei Gebäuden, die zum Abbruch bestimmt oder sonst dauernd entwertet …“ | B14-2, page 93 |
Perils covered while vacant
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion, implosion) while vacant | yes, up to the sum insured | „Brand; Blitzschlag; Überspannung durch Blitz; Explosion; Verpuffung; Implosion; Anprall …“ | B1-1, page 82 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „B1-2 Leitungswasser;“ | B1-2, page 82 |
| Frost damage to pipes and heating while vacant | not addressed | ||
| Storm and hail while vacant | yes, up to the sum insured | „Für Sturmschäden gemäß B5-1 gibt es keine Mindestwindstärke.“ | D3-1, page 116 |
| Other natural hazards while vacant | yes, up to the sum insured | „die weiteren Naturgefahren (Elementargefahren) Überschwemmung, Rückstau, Erdbeben …“ | B1-3.2, page 82 |
| Vandalism and malicious damage while vacant | yes, up to the sum insured | „Für die Beschädigung versicherter Sachen durch mut- oder böswillige Handlungen (auch …“ | D6-11, page 118 |
| Burglary damage to the building (doors, windows, locks) while vacant | yes, up to the sum insured | „sowie durch Einbruch oder Einbruchversuch“ | D6-11, page 119 |
| Theft of fixed building parts (copper, boiler, fittings) | yes, up to EUR 10,000 | „Mitversichert ist der Diebstahl von Heizöl und versicherter Sachen, die fest mit dem …“ | D1-6, page 115 |
| Glass breakage while vacant | yes, up to the sum insured | „Für Glasbruchschäden nach B6-5 gelten keine Entschädigungsgrenzen.“ | D4-1, page 116 |
| 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 können wir ab dem Zeitpunkt der Gefahrerhöhung einen nach unseren …“ | A3-2.3, page 23 |
| Waiver of reduction for gross negligence | yes, up to the sum insured | „verzichten wir auf den Einwand der grob fahrlässigen Herbeiführung des Versicherungsfalles“ | D10-1.1, page 123 |
| 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 | „Eine Gefahrerhöhung, die nach Abgabe Ihrer Vertragserklärung unabhängig von Ihrem …“ | A3-2.2, page 22 |
| Regular inspections required (interval in days or weeks) | none | „B21-1.2 Nicht genutzte Gebäude oder Gebäudeteile müssen zu jeder Jahreszeit genügend …“ | B21-1.2, page 99 |
| Proof or log of inspections required | not addressed | ||
| Shut off and drain water pipes | none | „Außerdem sind dort alle wasserführenden Anlagen und Einrichtungen abzusperren, zu …“ | B21-1.2, page 99 |
| Heat during the cold season or drain the heating system | none | „B21-1.3 In der kalten Jahreszeit müssen alle Gebäude und Gebäudeteile beheizt werden …“ | B21-1.3, page 99 |
| 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 | „B21-2 Folgen einer Obliegenheitsverletzung Verletzen Sie eine der in B-21.1 genannten …“ | B21-2, page 99 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to EUR 1 million | „B12-2.1 Aufräumungs- und Abbruchkosten Das sind Kosten, die entstehen, um versicherte …“ | B12-2.1, page 91 |
| Costs of emergency securing (boarding, temporary glazing, guarding) | yes, up to the sum insured | „Öffnungen vorläufig verschlossen werden müssen (z.B. Notverschalungen, Notverglasungen) …“ | D6-6.1, page 118 |
| Leak detection and excavation costs | yes, up to EUR 500 | „die tatsächlich angefallenen Kosten für die Ursachensuche bei an versicherten Gebäuden …“ | D2-5, page 116 |
| Extra costs for lost water and frost protection | yes, up to the sum insured | „B12-1.3 Kosten für Wasser-, Gas- und Heizölverlust sowie Stromverlust aus Stromspeichern“ | B12-1.3, page 91 |
| Loss of rent or use after a loss | yes, up to the sum insured | „B13-2.1 Mietausfall oder Mietwert werden für den Zeitraum ersetzt, in dem Räume nicht …“ | B13-2.1, page 92 |
| Graffiti on external walls | yes, up to the sum insured | „durch mut- oder böswillige Handlungen (auch Graffiti)“ | D6-11, page 118 |
| Damage by animals or pests (martens, rodents) | yes, up to EUR 10,000 | „Mitversichert sind Bissschäden durch wildlebende Säugetiere an versicherten“ | D1-3, page 114 |
| Cover until transfer of ownership on sale, transfer to the buyer | yes | „B24-1.1 Veräußern Sie die versicherte Sache, tritt der Erwerber an Ihrer Stelle in den …“ | B24-1.1, page 100 |
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 | none | „B18-8 Selbstbeteiligung Selbstbeteiligungen werden in der vereinbarten Höhe von der …“ | B18-8, page 96 |
| 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 | „können wir den Vertrag fristlos kündigen, wenn Sie Ihre Verpflichtung vorsätzlich oder …“ | A3-2.3.1, page 22 |
| Waiver of underinsurance | yes | „B18-9 Feststellung und Berechnung einer Unterversicherung Ist die dem …“ | B18-9, page 96 |
| 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.
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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
- Interlloyd Versicherungs-Aktiengesellschaft
- Distribution
- available through brokers
- Wohngebäude-Versicherungsbedingungen Classic, Protect Plus, Eurosecure Plus, Infinitus (IL 118) Edition: AGB 2025 QM-Modell und BBL Infinitus 2025, Stand 01.2025 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 Interlloyd Infinitus and available as plain text.
Volltext Interlloyd Infinitus Leerstandsversicherung · As text (Markdown) Interlloyd Infinitus Vacant property cover