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InterRisk XL: the policy wording in full
InterRisk Wohngebäudeversicherung XL (B372) zur gleitenden Neuwertversicherung mit böswilliger Beschädigung und Einbruchschäden bis 3.000 Euro; Nichtnutzung 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 InterRisk XL.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „Die Gleitende Neuwertversicherung geht von einem Betrag aus, der aufzuwenden ist, um …“ | zu § 9 Nr. 2, page 14 |
| 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 versichertes Gebäude oder der überwiegende Teil des Gebäudes werden nicht mehr genutzt“ | § 14 Nr. 1.2 b), page 10 |
| 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 müssen zu jeder Jahreszeit genügend häufig …“ | § 15 Nr. 1.2 b), page 10 |
| Vacancy during conversion or renovation covered | yes | „Baumaßnahmen an einem versicherten Gebäude führen dazu, dass es überwiegend unbenutzbar …“ | § 14 Nr. 1.2 d), page 10 |
| Uninhabitable or dilapidated buildings excluded | none | „Bei Gebäuden, die zum Abbruch bestimmt oder sonst dauerhaft entwertet sind, ist nur …“ | § 9 Nr. 4, page 8 |
Perils covered while vacant
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion, implosion) while vacant | yes, up to the sum insured | „Brand, Rauch, Ruß, Blitzschlag, Überspannung durch Blitz, Druckwellen, Anprall oder …“ | § 1 Nr. 1 a), page 1 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „Leitungswasser ist Wasser, das bestimmungswidrig“ | § 4 Nr. 2.1, page 3 |
| Frost damage to pipes and heating while vacant | yes, up to the sum insured | „Versichert sind innerhalb von Gebäuden Bruchschäden an“ | § 4 Nr. 3.1, page 2 |
| Storm and hail while vacant | yes, up to the sum insured | „Ein Sturm ist eine wetterbedingte Luftbewegung von mindestens Windstärke 8 nach der …“ | § 5 Nr. 1.1, page 4 |
| Other natural hazards while vacant | yes, up to the sum insured | „Klausel 7277: Einschluss der weiteren Naturgefahren“ | Klausel 7277, page 1 |
| Vandalism and malicious damage while vacant | yes, up to EUR 3,000 | „Versichert sind Schäden durch böswillige Beschädigung einschließlich Graffitischäden.“ | § 3 Nr. 2.1, page 3 |
| Burglary damage to the building (doors, windows, locks) while vacant | yes, up to EUR 3,000 | „Versichert ist die Beschädigung oder Zerstörung versicherter Sachen durch Einbruch oder …“ | § 3 Nr. 3.1, page 3 |
| Theft of fixed building parts (copper, boiler, fittings) | no | „Nicht versichert ist das Abhandenkommen versicherter Sachen, auch wenn dieses mit einem …“ | § 3 Nr. 3.1, page 3 |
| Glass breakage while vacant | not addressed | ||
| 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 | „ab dem Zeitpunkt der Gefahrerhöhung einen unseren Geschäftsgrundsätzen entsprechenden …“ | § 14 Nr. 3.1 b), page 10 |
| Waiver of reduction for gross negligence | yes, up to EUR 5,000 | „Die Kürzung unterbleibt jedoch, soweit der Gesamtentschädigungsbetrag dadurch unter …“ | § 17 Nr. 2, page 11 |
| 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 | „Sie müssen uns unverzüglich anzeigen, sobald Sie Kenntnis davon erlangen, dass nach …“ | § 14 Nr. 2, page 10 |
| Regular inspections required (interval in days or weeks) | none | „nicht genutzte Gebäude oder Gebäudeteile müssen zu jeder Jahreszeit genügend häufig …“ | § 15 Nr. 1.2 b), page 10 |
| 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 …“ | § 15 Nr. 1.2 b), page 10 |
| Heat during the cold season or drain the heating system | none | „in der kalten Jahreszeit müssen alle Gebäude und Gebäudeteile beheizt werden. Dies ist …“ | § 15 Nr. 1.2 c), page 10 |
| 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 | „Wird eine Obliegenheit aus diesem Versicherungsvertrag vorsätzlich“ | § 16 Nr. 1.1, page 11 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to EUR 500,000 | „Aufräumungs- und Abbruchkosten“ | § 7 Nr. 3.1 a), page 6 |
| 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 | yes, up to the sum insured | „In Erweiterung von § 7 ersetzen wir auch Kosten für den Mehrverbrauch von Wasser oder Gas“ | § 4 Nr. 8.1, page 4 |
| Loss of rent or use after a loss | yes, up to the sum insured | „Mietausfall oder Mietwert werden für den Zeitraum ersetzt, in dem Räume nicht benutzbar …“ | § 8 Nr. 2.1, page 8 |
| Graffiti on external walls | yes, up to EUR 3,000 | „Ein Graffitischaden liegt vor, wenn ein unbefugter Dritter versicherte Sachen durch …“ | § 3 Nr. 2.3, page 3 |
| Damage by animals or pests (martens, rodents) | not addressed | ||
| Cover until transfer of ownership on sale, transfer to the buyer | yes | „Veräußern Sie die versicherten Gebäude, tritt der“ | § 12 Nr. 1, page 9 |
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 | „Selbstbehalte werden in der vereinbarten Höhe von der Entschädigung abgezogen.“ | § 19 Nr. 8, 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 | none | „den Versicherungsvertrag unter Einhaltung einer Frist von 1 Monat kündigen“ | § 14 Nr. 3.1 a), page 10 |
| Waiver of underinsurance | not addressed | ||
| 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
- InterRisk Versicherungs-AG Vienna Insurance Group.
- Distribution
- available through brokers
- Bedingungen zur Wohngebäudeversicherung XL (B372) Edition: B372 Wohngebäudeversicherung XL Original from the insurer (PDF, German)
- Klauseln Wohngebäude XL Edition: Klauseln Wohngebäude XL Original from the insurer (PDF, German)
- Allgemeine Versicherungsbedingungen für das Privatgeschäft (B01) Edition: B01 Allgemeine Versicherungsbedingungen Privatgeschäft 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 InterRisk XL and available as plain text.
Volltext InterRisk XL Leerstandsversicherung · As text (Markdown) InterRisk XL Vacant property cover