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Itzehoer Top: the policy wording in full
Itzehoer Wohngebäudeversicherung nach VGB 2022 in der TOP-Deckung zur gleitenden Neuwertversicherung; Leerstand ist Beitragsmerkmal und 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 Itzehoer Top.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „Der Gleitende Neuwert ist der Betrag, der aufzuwenden ist, um Sachen gleicher Art und …“ | § 10 Nr. 1.1.1, page 8 |
| Vacant building expressly insurable (own policy or vacancy clause) | yes | „unbewohnt, leerstehend oder teilweise gewerbliche Nutzung“ | § 12.3 Nr. 1.3, page 10 |
| From when the building counts as vacant or unoccupied (number of days or months) | yes | „Das Gebäude oder der überwiegende Teil des Gebäudes wird nicht mehr genutzt.“ | § 17 Nr. 1.2, page 12 |
| 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 …“ | § 16 Nr. 1.2, page 12 |
| Vacancy during conversion or renovation covered | yes | „Baumaßnahmen am Gebäude führen dazu, dass es überwiegend unbenutzbar wird.“ | § 17 Nr. 1.4, page 12 |
| 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, Blitzschlag, Überspannung durch Blitz, Explosion, Verpuffung, Implosion …“ | § 1 Nr. 1.1, page 4 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „1.2 Leitungswasser (§ 3)“ | § 1 Nr. 1.2, page 1 |
| Frost damage to pipes and heating while vacant | not addressed | ||
| Storm and hail while vacant | yes, up to the sum insured | „1.3 Sturm, Hagel (§ 4)“ | § 1 Nr. 1.3, page 6 |
| Other natural hazards while vacant | yes, up to the sum insured | „Besondere Bedingungen für weitere Elementarschäden (BEW 2022)“ | BEW 2022, page 1 |
| 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) | yes, up to the sum insured | „erstreckt sich der Versicherungsschutz auch auf Schäden durch Diebstahl, soweit diese …“ | Klausel 7360 Nr. 1, page 19 |
| 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 | „kann der Versicherer ab dem Zeitpunkt der Gefahrerhöhung einen seinen …“ | § 27 Nr. 3.2, page 14 |
| Waiver of reduction for gross negligence | yes, up to the sum insured | „Der Versicherer verzichtet auf den Einwand der grob fahrlässigen Herbeiführung des …“ | § 34 Nr. 1.3, page 16 |
| 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 | „so muss er diese dem Versicherer unverzüglich anzeigen“ | § 27 Nr. 2.2, page 14 |
| Regular inspections required (interval in days or weeks) | none | „Nicht genutzte Gebäude oder Gebäudeteile müssen zu jeder Jahreszeit genügend häufig …“ | § 16 Nr. 1.2, page 12 |
| 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 …“ | § 16 Nr. 1.2, page 12 |
| Heat during the cold season or drain the heating system | none | „In der kalten Jahreszeit müssen alle Gebäude und Gebäudeteile beheizt werden. Dies ist …“ | § 16 Nr. 1.3, page 12 |
| 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 | „Verletzt der Versicherungsnehmer vorsätzlich oder grob fahrlässig eine Obliegenheit“ | § 26 Nr. 1.2, page 14 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to the sum insured | „Das sind Kosten, die entstehen, um versicherte Sachen aufzuräumen und abzubrechen.“ | § 8 Nr. 1, page 8 |
| 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 EUR 10,000 | „Kosten für Wasser- oder Gasverlust“ | § 8 Nr. 3, page 8 |
| Loss of rent or use after a loss | yes, up to the sum insured | „36 Monate seit dem Eintritt des Versicherungsfalls in der TOP-Deckung“ | § 9 Nr. 2.1 b), page 8 |
| Graffiti on external walls | yes, up to the sum insured | „Beseitigung von Schäden durch Graffiti (Verunstaltung durch Farben oder Lacke), die …“ | Klausel 7366 Nr. 1, page 19 |
| Damage by animals or pests (martens, rodents) | not addressed | ||
| Cover until transfer of ownership on sale, transfer to the buyer | yes | „Veräußert der Versicherungsnehmer die versicherte Sache, tritt der Erwerber an dessen …“ | § 18 Nr. 1.1, page 12 |
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 | „Versicherer den Vertrag fristlos kündigen, wenn der Versicherungsnehmer seine …“ | § 27 Nr. 3.1, page 14 |
| Waiver of underinsurance | yes | „Der Versicherer verzichtet dann auf einen Abzug wegen Unterversicherung.“ | § 11 Nr. 2.1, page 9 |
| 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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Policy wordings and provider
- Legal entity
- Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein auf Gegenseitigkeit
- Distribution
- brokers and direct
- Verbraucherinformationen für Wohngebäude- und für Glasversicherungen Edition: VGB 2022, Verbraucherinformationen Ausgabe 11/25 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 Itzehoer Top and available as plain text.
Volltext Itzehoer Top Leerstandsversicherung · As text (Markdown) Itzehoer Top Vacant property cover