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uniVersa Private Sachversicherung: the policy wording in full
Wohngebäudeteil VGB 2009 der Privaten Sachversicherung ohne Leerstandsklausel: Nichtnutzung ist eine mögliche Gefahrerhöhung, Graffiti und grobe Fahrlässigkeit über Klauseln mit vereinbarten Beträgen.
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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 uniVersa Private Sachversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insured value of the building (indexed new value, new value, current value or market value) | yes | „Als Versicherungswert kann der Gleitende Neuwert, der Neuwert, der Zeitwert oder der …“ | VGB 2009 § 10 Nr. 1, page 46 |
| Vacant building expressly insurable (own policy or vacancy clause) | yes | „ein Gebäude oder der überwiegende Teil eines Gebäudes nicht genutzt wird“ | VGB 2009 § 18 Nr. 1 b, page 50 |
| From when the building counts as vacant or unoccupied (number of days or months) | not addressed | ||
| 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 …“ | VGB 2009 § 17 Nr. 1 b, page 50 |
| Vacancy during conversion or renovation covered | no | „an einem Gebäude Baumaßnahmen durchgeführt werden“ | VGB 2009 § 18 Nr. 1 c, page 50 |
| Uninhabitable or dilapidated buildings excluded | yes | „Soweit ein Gebäude zum Abbruch bestimmt oder sonst dauerhaft entwertet ist, werden …“ | VGB 2009 § 14, page 48 |
Perils covered while vacant
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire (fire, lightning, explosion, implosion) while vacant | yes, up to the sum insured | „Brand ist ein Feuer, das ohne einen bestimmungsgemäßen Herd“ | VGB 2009 § 2, page 43 |
| Arson by third parties while vacant | not addressed | ||
| Escape of water while vacant | yes, up to the sum insured | „frostbedingte und sonstige Bruchschäden an Rohren“ | VGB 2009 § 3 Nr. 1 a, page 44 |
| Frost damage to pipes and heating while vacant | yes, up to the sum insured | „frostbedingte und sonstige Bruchschäden an Rohren“ | VGB 2009 § 3 Nr. 1 a, page 44 |
| Storm and hail while vacant | yes, up to the sum insured | „Sturm ist eine wetterbedingte Luftbewegung von mindestens“ | VGB 2009 § 4, page 45 |
| Other natural hazards while vacant | yes, up to the sum insured | „weitere Elementargefahren (Überschwemmung“ | VGB 2009 § 1, BEW 2009, page 45 |
| 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 | 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 | none | „ein Gebäude oder der überwiegende Teil eines Gebäudes nicht genutzt wird“ | VGB 2009 § 18 Nr. 1 b, page 50 |
| 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 | yes | „erhöhte Prämie verlangen oder die Absicherung“ | VGB 2009 § 28, page 53 |
| Waiver of reduction for gross negligence | yes, up to the sum insured | „verzichtet der Versicherer darauf, seine Leistung in einem der Schwere des Verschuldens …“ | Klausel 7469, page 60 |
| 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 | yes | „unabhängig von seinem Willen eintritt“ | VGB 2009 § 28, page 53 |
| Regular inspections required (interval in days or weeks) | yes | „nicht genutzte Gebäude oder Gebäudeteile zu jeder Jahreszeit genügend häufig zu …“ | VGB 2009 § 17 Nr. 1 b, page 50 |
| Proof or log of inspections required | not addressed | ||
| Shut off and drain water pipes | yes | „dort alle wasserführenden Anlagen und Einrichtungen abzusperren, zu entleeren und …“ | VGB 2009 § 17 Nr. 1 b, page 50 |
| Heat during the cold season or drain the heating system | yes | „in der kalten Jahreszeit alle Gebäude und Gebäudeteile zu beheizen und dies genügend …“ | VGB 2009 § 17 Nr. 1 c, page 50 |
| 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 Nr. 1 genannten Obliegenheiten, ist der …“ | VGB 2009 § 17 Nr. 2, page 50 |
Costs and additional benefits
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Clearance and demolition costs | yes, up to the sum insured | „für das Aufräumen und den Abbruch versicherter Sachen“ | VGB 2009 § 7 Nr. 1, page 45 |
| 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 | „ersetzt der Versicherer den Mehrverbrauch von Frischwasser“ | Klausel 7364, page 58 |
| Loss of rent or use after a loss | yes, up to the sum insured | „vereinbarten Zeitraum seit dem Eintritt des Versicherungsfalles“ | VGB 2009 § 9 Nr. 2, page 46 |
| Graffiti on external walls | yes, up to the sum insured | „Der Versicherer leistet Entschädigung für die Beseitigung von mut- oder böswillig …“ | Klausel 7468, page 59 |
| Damage by animals or pests (martens, rodents) | not addressed | ||
| Cover until transfer of ownership on sale, transfer to the buyer | yes | „Wird die versicherte Sache vom Versicherungsnehmer“ | VGB 2009 § 19, page 50 |
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 | yes, up to the sum insured | „Betrag wird je Versicherungsfall um den vereinbarten Selbstbehalt gekürzt“ | Klausel 7761, page 60 |
| 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 | yes | „einer Frist von einem Monat kündigen“ | VGB 2009 § 28, page 51 |
| Waiver of underinsurance | yes | „keinen Abzug wegen Unterversicherung vor (Unterversicherungsverzicht)“ | VGB 2009 § 11 Nr. 2 a, page 47 |
| Transfer of the policy to heirs or a new owner | yes | „Wird die versicherte Sache vom Versicherungsnehmer“ | VGB 2009 § 19, page 50 |
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 |
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Policy wordings and provider
- Legal entity
- uniVersa Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Versicherungsbedingungen Private Sachversicherung (241-585-11/16) Edition: VGB 2009 (Formular 241-585-11/16) 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 uniVersa Private Sachversicherung and available as plain text.
Volltext uniVersa Private Sachversicherung Leerstandsversicherung · As text (Markdown) uniVersa Private Sachversicherung Vacant property cover