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R+V EnergiePolice: the policy wording in full
R+V-EnergiePolice mit der Betreiberhaftpflicht für Anlagen erneuerbarer Energien (HA EEG) samt Umwelthaftpflicht- und Umweltschadenbasisversicherung; der Sachteil für Windenergieanlagen ist im Werk nicht enthalten.
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Everything about this policy
What the policy covers: 66 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for R+V EnergiePolice.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Sum insured (replacement value of the wind turbine including foundation, transport and erection) | as stated in the policy schedule | ||
| All-risks cover (any unforeseen damage not expressly excluded) | not addressed | ||
| Contract form: dedicated wind policy, package of machinery, loss of revenue and liability modules, or clause to a general machinery policy | not addressed | ||
| Maximum rated power per turbine (kW or MW) | not addressed | ||
| Used or older turbines insurable (not only new ones) | not addressed | ||
| Age limit of the turbine for taking out or continuing cover | not addressed | ||
| Expert survey before inception (classification society, TÜV or independent surveyor) for older turbines | not addressed | ||
| Foundation and tower included | not addressed | ||
| Park cabling, transfer station and substation included | not addressed | ||
| Indemnity at replacement value or current value | not addressed |
Insured perils to the turbine
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Operating error, clumsiness, negligence and malicious acts of third parties | not addressed | ||
| Design, material and workmanship defects | not addressed | ||
| Mechanical breakdown of gearbox, generator, main bearing and yaw or pitch system | not addressed | ||
| Damage to rotor blades (fracture, cracks, delamination) | not addressed | ||
| Short circuit, overvoltage and induction | not addressed | ||
| Direct lightning strike | not addressed | ||
| Fire and explosion (including nacelle fire) | not addressed | ||
| Storm and hail | not addressed | ||
| Ice accretion, icing and frost | not addressed | ||
| Other natural hazards: flood, landslide, subsidence, avalanche | not addressed | ||
| Earthquake | not addressed | ||
| Theft (e.g. copper cable) and vandalism | not addressed | ||
| Animal bites and rodent damage to cables | not addressed | ||
| Serial losses (same defect on several turbines) | not addressed | ||
| Damage from faulty remote control or malware | not addressed |
Loss of revenue and business interruption
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Loss of revenue after an insured property damage (lost feed-in payments) | not addressed | ||
| Indemnity period of the revenue loss cover (months) | not addressed | ||
| Time deductible for revenue loss (waiting days or hours) | not addressed | ||
| Calculation of the loss (wind report, reference turbines, prior year yield or flat rate per kW) | not addressed | ||
| Revenue loss from grid failure or damage to third party grid equipment | not addressed | ||
| Revenue loss from regulatory shutdown or grid curtailment | not addressed | ||
| Extended outage due to delivery times for major components or crane availability | not addressed | ||
| Revenue loss without property damage (e.g. shutdown for bat protection or ice risk) | not addressed |
Costs
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Crane and lifting costs for replacing major components | not addressed | ||
| Dismantling and re-erection costs | not addressed | ||
| Extra costs for express freight, overtime, night and holiday work | not addressed | ||
| Fault finding and expert costs | not addressed | ||
| Debris removal, demolition and disposal costs | not addressed | ||
| Soil decontamination (e.g. leaked gearbox oil) | not addressed |
Operator liability
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Operator liability for bodily injury, property damage and consequential financial loss | yes, up to the sum insured | „Versichert ist auf der Grundlage des Allgemeinen Teils zur Police, der …“ | HA EEG 1.1.1, page 92 |
| Annual aggregate limit | yes, up to the sum insured | „Sofern nicht etwas anderes vereinbart wurde, sind die Entschädigungsleistungen des …“ | AHB 6.2, page 53 |
| Liability for ice throw and ice fall | not addressed | ||
| Liability for thrown or falling turbine parts | not addressed | ||
| Environmental liability (water and soil, e.g. oil from gearbox or transformer) | yes, up to the sum insured | „Eingeschlossen sind - abweichend von 7.10.b. AHB - Personen- und Sachschäden durch …“ | HA EEG 5.1.1, page 107 |
| Public law environmental damage (Environmental Damage Act, in Spain Law 26/2007) | yes, up to the sum insured | „Versichert ist die gesetzliche Pflicht öffentlich-rechtlichen Inhalts des …“ | HA EEG 6.1.2, page 92 |
| Landowners, lessors and municipality co-insured or indemnified | not addressed | ||
| Owner's liability during construction and repowering | yes, up to the sum insured | „als Bauherr von Bau-, Reparatur- und Abbrucharbeiten für eigene Bauvorhaben der …“ | HA EEG 2.1, page 94 |
Exclusions and deductions
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Exclusion of wear, tear and gradual deterioration | not addressed | ||
| Exclusion of corrosion, erosion and deposits (including leading edge erosion of rotor blades) | not addressed | ||
| Exclusion of consumables and wear parts (oils, filters, brake pads, carbon brushes) | not addressed | ||
| Exclusion where the manufacturer or service company is liable (warranty, full service contract) | not addressed | ||
| New for old deduction on major components (gearbox, generator, rotor blades) | not addressed | ||
| Exclusion during test operation and commissioning | not addressed | ||
| Exclusion of known defects and type faults | not addressed | ||
| Exclusion of war, terrorism and sabotage | not addressed |
Obligations, deductible and contract
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Full service contract with manufacturer or specialist required | not addressed | ||
| Overhaul clause (major overhaul of gearbox or generator after operating hours or years) | not addressed | ||
| Periodic inspections (rotor blades, tower, foundation) at fixed intervals | not addressed | ||
| Condition monitoring system (CMS) or remote monitoring required | not addressed | ||
| Ice detection system or shutdown on icing required | not addressed | ||
| Deductible per property damage | not addressed | ||
| Waiver of underinsurance | not addressed | ||
| Contract term and notice period | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | AT 2.2, page 1 |
| Insurer's right to cancel after a claim | yes | „Das Versicherungsverhältnis kann gekündigt werden, wenn vom Versicherer eine …“ | AHB 11.1, page 58 |
| Austria: small wind turbines under the conditions for renewable energy plants (AEE) | not addressed | ||
| Spain: Consorcio de Compensación de Seguros for extraordinary risks (flood, earthquake, wind over 120 km/h, terrorism) | 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- R+V Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Versicherungsbedingungen zur R+V-EnergiePolice Edition: KFM0726, AT Stand 01.07.2021, HA EEG Stand 30.04.2012 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 R+V EnergiePolice and available as plain text.
Volltext R+V EnergiePolice Windenergieanlagen · As text (Markdown) R+V EnergiePolice Wind turbines