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Neodigital NEO: the policy wording in full
NEO Wohngebäudeversicherung WG NEO S 2024 im Wohnflächenmodell zum gleitenden Neubauwert gegen Feuer, Leitungswasser, Sturm und Hagel; 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 Neodigital NEO.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „A 13.1.1 Versichert ist der ortsübliche Neubauwert der im Versicherungsschein …“ | A 13.1.1, page 11 |
| 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 | „A 21.1.2 Das Gebäude oder der überwiegende Teil des Gebäudes wird nicht mehr genutzt.“ | A 21.1.2, 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 | „A 20.1.2 Nicht genutzte Gebäude oder Gebäudeteile müssen zu jeder Jahreszeit genügend …“ | A 20.1.2, page 14 |
| Vacancy during conversion or renovation covered | not addressed | ||
| Uninhabitable or dilapidated buildings excluded | none | „Bei Gebäuden, die zum Abbruch bestimmt oder sonst dauerhaft entwertet sind, ist nur“ | A 13.3, page 11 |
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 …“ | Produktinformationsblatt, page 6 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „A 1.2 Leitungswasser;“ | A 1.2, page 3 |
| Frost damage to pipes and heating while vacant | not addressed | ||
| Storm and hail while vacant | yes, up to the sum insured | „A 1.3.1 Sturm, Hagel;“ | A 1.3.1, page 3 |
| Other natural hazards while vacant | yes, up to the sum insured | „A 1.3.2 die weiteren Naturgefahren (Elementargefahren) Überschwemmung, Rückstau …“ | A 1.3.2, page 6 |
| 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 | „A 25NEO-01 Glasbruch“ | A 25NEO-01, page 4 |
| 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 …“ | B3.2.3.2, page 23 |
| Waiver of reduction for gross negligence | no | „Führt der Versicherungsnehmer den Schaden grob fahrlässig herbei, so ist der …“ | B4.12.1.2, page 27 |
| 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 seiner Vertragserklärung unabhängig von seinem …“ | B3.2.2.3, page 23 |
| Regular inspections required (interval in days or weeks) | none | „A 20.1.2 Nicht genutzte Gebäude oder Gebäudeteile müssen zu jeder Jahreszeit genügend …“ | A 20.1.2, page 14 |
| 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 …“ | A 20.1.2, page 14 |
| Heat during the cold season or drain the heating system | none | „A 20.1.3 In der kalten Jahreszeit müssen alle Gebäude und Gebäudeteile beheizt werden …“ | A 20.1.3, page 14 |
| 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 eine der in A 20.1 genannten Obliegenheiten“ | A 20.2, page 15 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to the sum insured | „A 11.1.1 Aufräumungs- und Abbruchkosten“ | A 11.1.1, page 10 |
| Costs of emergency securing (boarding, temporary glazing, guarding) | yes, up to the sum insured | „das vorläufige Verschließen von Öffnungen (Notverschalungen, Notverglasungen)“ | A 25NEO-01 Nr. 2.1, page 15 |
| 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 | „nicht benutzbar sind, höchstens aber für 12 Monate seit dem Eintritt des …“ | A 12.2.1, 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 | „A 23.1.1 Veräußert der Versicherungsnehmer die versicherte Sache, tritt der Erwerber an …“ | A 23.1.1, page 14 |
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“ | B3.2.3.1, page 23 |
| 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.
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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
- Neodigital Versicherung AG
- Distribution
- brokers and direct
- Wohngebäudeversicherung WG NEO S 2024 (Bedingungen und Produktinformation) Edition: WG NEO S 2024 (VGB Wohnflächenmodell) 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 Neodigital NEO and available as plain text.
Volltext Neodigital NEO Leerstandsversicherung · As text (Markdown) Neodigital NEO Vacant property cover