HFK1676 A German Personal Liability Premium Insurance – Terms and Conditions 06.2026

1.1 Insured persons

1.1.1 Policyholder:

This insurance contract primarily protects you as the policyholder. We have only entered into this insurance contract with you. Therefore, only you can claim benefits under this contract. If a co-insured person wishes to report damages to us, they require your consent.

1.1.2 Spouse / registered civil partner

The following regulation applies only to the insured persons specified in the insurance policy: couple, family. You can find this information in your insurance policy under “Insured Persons”.

Your spouse or registered partner is also covered. It doesn’t matter whether you live together or are officially registered at the same address. Coverage continues even if your partner is placed in a care facility.

If your partner is insured under a different liability insurance contract, that contract takes precedence, see section 1.2.1.

1.1.3 Unmarried / unregistered partner

The following regulation applies only to the insured persons specified in the insurance policy: couple, family. You can find this information in your insurance policy under “Insured Persons”.

If you live with someone without being married, that person is also insured if you live in the same household and are both registered at the same address. The insurance coverage continues even if your partner is placed in a care facility, provided you previously lived together for at least six months.

If your partner is insured under a different liability insurance contract, that contract takes precedence, see section 1.2.1.

1.1.4 Children

The following regulation applies only to the insured persons specified in the insurance policy: single person with children, family. You can find this information in your insurance policy under “Insured Persons”.

1.1.4.1 Biological children, adopted children and stepchildren
Your biological children, as well as your adopted and stepchildren, are always covered. It is irrelevant whether the children live with you or not. The same applies to the biological, adopted, and stepchildren of your partner (as defined in sections 1.1.2 and 1.1.3).

Insurance coverage for a co-insured child ends when the child reaches the age of 27.

If the children are insured under a different liability insurance contract, that contract takes precedence, see section 1.2.1.

1.1.4.2 Foster children
Children who meet both of the following criteria are also covered:

• You and/or your partner have taken the child into your own household temporarily or permanently as a full-time foster child and
• You receive “assistance with upbringing” for the child according to the German Social Code Book VIII (SGB VIII).

For these children, co-insurance ends as soon as the foster care arrangement terminates (usually when the child reaches the age of majority). If you continue to receive benefits under child and youth welfare services after the child reaches the age of majority, insurance coverage remains in effect until you no longer receive benefits under Book VIII of the German Social Code (SGB VIII). Insurance coverage ends no later than the child’s 27th birthday.

If the foster children are insured under a different liability insurance contract, that contract takes precedence, see section 1.2.1.

1.1.4.3 Children in need of care and/or with disabilities
Your children are also covered under the terms of sections 1.1.4.1 and 1.1.4.2 if they require care, even if they live permanently in a care facility. The same applies to children with physical and/or mental disabilities.

Insurance coverage ends at the latest upon reaching the age of 27, unless the household continues to exist or the child lives permanently in a care facility.

If the children are insured under a different liability insurance contract, that contract takes precedence, see section 1.2.1.

1.1.5 First aiders / emergency responders

Also covered are persons who provide assistance to you or co-insured persons in emergencies. The insurance coverage includes:

• Claims directed against first responders/emergency helpers;
• Assistance services for you or co-insured persons as well as
• Expenses incurred by first responders/emergency helpers as a result of providing assistance.

The insurance coverage also applies in the event of recourse claims made by social security institutions against a person who helped you in an emergency.

The following are not insured:

• Claims for personal injury resulting from work-related accidents and occupational diseases under the German Social Code Book VII (SGB VII);
• First responders/emergency aiders who work professionally or on a voluntary basis within an organization (e.g. fire brigades and rescue services or towing companies).

1.1.6 Persons employed in the household

People you employ in your household – such as housekeepers, childcare providers, or gardeners – are insured while performing tasks on your behalf. This applies provided you have hired them. Alternatively, it is sufficient if the person temporarily performs tasks in your household as a favor (e.g., a neighbor tending your garden while you are on vacation).

The insurance coverage also applies in the event of recourse claims made by social security institutions against a person employed in your household.

However, claims arising from personal injury, which are work-related accidents and occupational diseases according to the German Social Code Book VII (SGB VII), are not insured.

1.1.7 Children and adults lacking tortious capacity

With regard to co-insured persons pursuant to section 1.1 et seq., the insurer will not invoke the defense of incapacity to commit a tort. The insurer reserves the right to seek recourse (subrogation) against third parties liable for damages for its expenses, insofar as they are not insured under this contract.

1.1.8 Parents and grandparents

If your parents and grandparents and/or the parents and grandparents of your partner live in your household, they are also insured, provided they are registered with your primary residence or live permanently in a care facility.

If the aforementioned persons are insured under a different liability insurance contract, that contract takes precedence, see section 1.2.1.

1.1.9 All persons living in the same household

All persons who live temporarily or permanently in the same household as the policyholder are also insured, regardless of whether they are related to the policyholder (e.g. overnight guests, exchange students or au pairs).

If the aforementioned persons are insured under a different liability insurance contract, that contract takes precedence, see section 1.2.1.

1.1.10 Subsequent insurance coverage

If the co-insurance requirement for the co-insured persons according to sections 1.1.2 to 1.1.8 ceases to apply, the insurance coverage continues until the next main due date of this contract, but for no longer than 12 months.

If the aforementioned persons are insured under a different liability insurance contract, that contract takes precedence, see section 1.2.1.

1.2 Relationship to co-insured persons

1.2.1 Priority of other insurance contracts for co-insured persons

If the co-insured persons have similar insurance coverage under another liability insurance contract as described in section 1.1 et seq., that other contract takes precedence (e.g., the nursing home’s private liability insurance). Claims must therefore be submitted under that contract.

1.2.2 Claims between insured persons

There is generally no insurance coverage for claims for damages:

• between several policyholders of the same insurance contract,
• from you against co-insured persons and
• of co-insured persons against other co-insured persons.

This applies regardless of whether the claims are justified or not.

An exception to all the above points applies to liability claims that insured persons have against other insured persons for personal injury. These claims are covered by the insurance.

1.2.3 Rights and obligations of co-insured persons

All contractual provisions that apply to you as the policyholder also apply to co-insured persons. All insured persons must comply with the obligations listed in section 6. The only exception to this obligation is co-insured first responders/emergency aiders as defined in section 1.1.5.

Insurance coverage applies to your legal liability arising from the risks of daily life as a private individual. This excludes risks to which you are exposed in the course of your profession, your business, or official duties (e.g., as a lay judge or election worker).In order for insurance coverage to exist in principle, all of the following conditions must be met:

• Claims for damages will be made against you.
• The claims for damages are based on statutory liability provisions under private law.
• The event that directly led to the damage occurred during the term of this insurance contract. The date the claim was made is irrelevant.
• This involves personal injury, property damage, or financial loss. If it is financial loss, it must either be a consequence of personal injury or property damage, or be expressly covered by the insurance according to the following provisions.

Our compensation is limited to the agreed sums insured in each insurance claim. This also applies if the insurance coverage extends to several persons liable for compensation.

Our compensation payments are limited to twice the agreed sum insured for all claims within a single insurance year.

3.1 Real estate

3.1.1 Owner-occupied house and land

The insurance also covers statutory liability as owner of the following properties, provided you use them exclusively for private purposes and live in them yourself:

• one or more apartments (in the case of condominium ownership as individual owner),
• a holiday and/or weekend house,
• a caravan that is permanently and securely installed in one place, provided that there is no insurance coverage through a motor vehicle liability insurance policy,
• a single-family or multi-family house located in the country.

Facilities – such as gardens, garages, storage rooms, and ponds – belonging to the aforementioned properties are included in the insurance coverage. This also applies to co-ownership of these facilities.

Insurance coverage also extends to existing liquid gas tanks, oil tanks and allotment gardens.

3.1.2 Rented houses and land

If you rent out all or part of your house and property, insurance coverage applies to the rental of the following properties:

• individual rooms;
• up to two apartments in a single-family house (granny flats) or owner-occupied multi-family house;
• a holiday apartment or holiday home within Europe;
• a caravan permanently and securely installed in one location;
• Condominiums as well as
• Garages or parking spaces.

3.1.3 Ownership of undeveloped land and agricultural and forestry land

You are also insured in your capacity as owner of undeveloped land as well as agricultural and forestry land. The prerequisite is that you either use the land yourself exclusively for private purposes or have leased or rented it to other persons.

For forestry areas larger than one hectare, insurance coverage only applies if you manage the area as a member of a forestry association.

The undeveloped area is insured without any square meter limit.

3.1.4 Obligations arising from house and land ownership

The insurance covers legal liability arising from breaches of duties you, as a homeowner or landowner, are required to fulfill. These can include, in particular:

• structural maintenance;
• Lighting;
• Cleaning and
• Winter service.

The same applies if you, as a tenant or lessee, have contractually assumed the traffic safety obligations.

If insured real estate is sold, your legal liability as the previous owner is also covered to the extent of Section 836 Paragraph 2 of the German Civil Code (BGB), provided that the present insurance contract existed until the change of ownership.

3.1.5 Construction projects

Your legal liability as a building owner or contractor of construction projects with regard to the above-mentioned insured objects is also insured (see sections 3.1.1 to 3.1.3).

The scope of insurance coverage depends on the construction sum: insurance coverage exists up to a maximum construction sum of 500,000 euros; if the construction sum is exceeded, the insurance coverage is completely void.

• Construction projects with a total cost of up to €100,000: Insurance coverage also extends to planning and construction management, including work performed by the owner or neighbors, provided the project involves additions, conversions, renovations, or extensions. No insurance coverage applies if the work is carried out professionally or commercially. The same applies to new buildings, provided they are then included among the properties covered under sections 3.1.1 to 3.1.3. Construction projects abroad are not covered.
• Construction projects with a total cost exceeding €100,000 up to a maximum of €500,000: Insurance coverage applies provided you have delegated the planning and construction management to third parties. Work performed by the owner or neighbors is also covered. No insurance coverage applies if the work is carried out professionally or commercially. The same applies to new buildings, provided they are then included among the properties covered under sections 3.1.1 to 3.1.3. Construction projects abroad are not covered.

In the event of an insurance claim, you must provide suitable documentation to prove the total construction cost. If the construction cost exceeds €100,000, you must also prove that you outsourced the planning and construction management to a third party.

The personal legal liability of individuals assisting you with your construction project is also covered, for damages they cause to third parties while performing their duties. This is conditional upon you having properly registered these construction helpers with the relevant statutory accident insurance before the incident occurs. Recourse claims from social security institutions are not covered if there is a violation of the law against undeclared work.

Also covered are liability claims against you made by your liquidators or by persons whose task towards you is compulsory administration, insolvency administration, guardianship or asset management.

3.1.6 Damage to rented properties/buildings

Your statutory liability arising from damage to properties, buildings, apartments, living spaces and other rooms in buildings rented, borrowed, leased or rented for private purposes, as well as all resulting financial losses, is also covered.

Insurance coverage also extends to glass damage to windows and doors of the aforementioned properties, provided no other insurer is liable. A deductible of €150 per claim applies.

Liability claims due to wear and tear or excessive use are not covered.

3.1.7 Energy generation

Also included in the insurance is statutory liability arising from the operation and maintenance of facilities for private energy or water supply, provided that these facilities are among the co-insured objects according to sections 3.1.1 to 3.1.3.

These include, for example:

• Photovoltaic and solar power systems (including balcony power plants),
• Air, ground and water heating systems (geothermal systems),
• Heat pumps,
• Wallboxes,
• Bioenergy plants,
• fountains and
• Small wind turbines.

The insurance coverage also includes feeding energy into an energy supplier’s grid or supplying water to a water supplier’s network. Pure financial losses are not covered.

No insurance coverage exists if the energy or water is supplied directly to private or commercial end users.

3.1.8 Domestic wastewater

Your statutory liability for damages caused by wastewater is covered. For property damage, this applies exclusively to damages caused by sewage backup in the street sewer and domestic wastewater.

3.1.9 Damage to rented movable property

The insurance covers legal liability claims against you for damage to or loss of third-party movable property (e.g., e-scooters) that you have borrowed, rented, or leased for private use only.

The insurance coverage also includes medical devices, provided that these have been temporarily provided to you on the basis of a doctor’s prescription for diagnostic or rehabilitation purposes.

However, no insurance coverage exists for:

• Damage to motor vehicles, aircraft or watercraft or self-propelled work machines including forklifts (excluding e-scooters);
• Damage to jewelry or valuables (including cash, gift cards, debit and credit cards).

3.2 Social engagement, holiday jobs and internships

3.2.1 Voluntary work and social engagement

Your legal liability arising from the risks of voluntary or social work for which you receive no remuneration is insured. This includes, in particular:

• church and youth work,
• nursing and elderly care,
• a commitment to the integration of refugees as well as
• Participation in clubs, citizens’ initiatives, political parties, interest groups and neighborhood communities.

Whether the activity takes place within the framework of an organized voluntary service (e.g. Voluntary Social Year (FSJ) or Federal Voluntary Service) or not is irrelevant.

The insurance coverage also includes your legal liability arising from the risks associated with assuming guardianship, foster care, or legal representation for another person. This requires that the guardianship court has appointed you and that assuming this role is not your profession. For the duration of your appointment, the personal legal liability of the person under your care is also covered.

If insurance coverage exists from another liability insurance contract (e.g., club liability insurance), the co-insurance through the existing private liability insurance policy does not apply.

The following are not insured:

• the exercise of a sovereign or public honorary office (e.g. mayor, elected member of a municipal council or a comparable representation in cities and districts, lay judge, election worker),
• Volunteering with a fire department or the Federal Agency for Technical Relief (THW),
• Membership on the supervisory boards of chambers of commerce, foundations, cooperatives or other institutions;
• Honorary positions with a professional character (e.g. works council or staff council, insurance representative, professional guardian).

3.2.2 Childcare for other people’s children (daycare providers/babysitting)

Insurance coverage applies if you supervise and care for other people’s minor children, whether for payment or free of charge, as a childminder or babysitter.

The prerequisite is that the care:

• takes place in your own household (including the use of your garden and excursions) and
• not on behalf of companies or other institutions, such as nurseries, daycare centers or company kindergartens.

Insurance coverage also applies if you pursue the activity as a trade/profession.

Your personal legal liability arising from your duty of supervision towards the children entrusted to your care is also covered. Furthermore, the children’s personal legal liability is also covered for the duration of their stay with you.

Also covered are claims between the children in day care, as well as claims by the children in day care against the day care providers and their children.

However, there is no insurance coverage for claims arising from the loss of belongings (including valuables and money) of the children in care.

If the children in your care have similar insurance coverage under another liability insurance policy, that policy takes precedence. In this case, there is no coverage under the current policy.

3.2.3 Internships/Summer Jobs

Liability claims arising from activities undertaken during an internship or holiday job are covered. This also includes claims by the company, school, university, or inter-company training institution itself due to damage to or loss of teaching/loaned equipment. Section 3.11 applies to keys and access cards.

In the event of damage to teaching/loan equipment, a deductible of 150 euros per claim is agreed upon for the policyholder.

3.2.4 Family and Household

Your legal liability is insured as follows:

• Head of family (e.g., due to the duty of supervision over minors) and
• Clients of persons working in your household vis-à-vis third parties arising from this activity.

This applies to both favors and activities arising from an agreed employment contract.

3.3 Vehicles

3.3.1 Use of certain vehicles

The use of the following vehicles is covered by this personal liability insurance policy:

• Bicycles; bicycles with electric pedal assistance, provided that the maximum design speed does not exceed 25 km/h (with motor assistance);
• Motor vehicles and motor vehicle trailers that are not subject to registration or insurance plates;
• Self-propelled work machines with a design-related maximum speed of up to 20 km/h, e.g. ride-on lawnmowers and golf caddies (when used on the golf course);
• Model and toy vehicles (including remote control) and go-karts, provided these are used on kart tracks that may only be entered by go-kart drivers and operating personnel;
• Motorized wheelchairs whose maximum design speed does not exceed 6 km/h.

All listed vehicles may only be used by authorized persons. Authorization exists when someone uses the vehicle with the knowledge and consent of the person who owns the vehicle or was legally in possession of it.

If a driver’s license is required to use the vehicles on public roads and places, the person authorized to use them must possess this license at the time of the accident. Furthermore, they must not have been prohibited from driving by a court or authority.

3.3.2 Vehicles rented abroad or used exclusively abroad

Liability risks arising from renting a vehicle abroad are covered if, in the event of damage, the local motor vehicle liability insurance of the vehicle is insufficient to fully satisfy the claimed damages.

In this case, we will provide supplementary insurance coverage from the existing private liability insurance policy if all of the following conditions are met:

• The rented vehicle is a car, motorcycle or motorhome with a total weight of no more than 4 tons; any trailers carried are included.
• The vehicle was rented exclusively for private use.
• The vehicle was rented within the geographical boundaries of Europe, in non-European territories within the scope of the European Union (EU), the Azores, the Canary Islands or the Mediterranean coastal states.

No insurance coverage exists if:

• the motor vehicle liability insurance of the rented vehicle does not pay out or does not pay out fully for other reasons (e.g. because you acted intentionally or drove under the influence of alcohol);
• the person who was behind the wheel at the time of the accident was not authorized to use the vehicle, did not have the required driver’s license and/or was unable to drive the vehicle safely as a result of consuming alcohol, medication or other intoxicating substances;
• Damage caused to the rented vehicle, its accessories, or its cargo.

All provisions in section 3.3.2 apply equally if you have rented the vehicle domestically and used it exclusively abroad.

3.3.3 Use of aircraft, drones and kites

Your legal liability arising from the permitted use of non-insured aircraft (e.g., model airplanes, toy kites) is insured.

Furthermore, insurance coverage applies to model aircraft with and without motors as well as drones, provided that:

• these are used exclusively for private purposes.
• their starting weight does not exceed 5 kilograms and
• The use of the aircraft must not violate legal regulations, in particular the no-fly zone.

For damage caused by drones, the maximum compensation per claim and for all insured events in an insurance year is limited to the units of account regulated in Section 37 Paragraph 1 Letter a) of the German Air Traffic Act. This maximum compensation is not deducted from the contractually agreed sum insured.

The following are not insured:

• Damage, destruction or loss of the aforementioned vehicles;
• Violation of personal rights through the use of aircraft and resulting financial losses.

3.3.4 Use of watercraft

The insurance covers damages caused by the private use of the following watercraft:

• Watercraft without sail and/or motor propulsion (e.g. paddle boats, pedal boats, canoes, surfboards and kites);
• Rented or borrowed sailing or motorboats, provided they are only used for short-term/occasional use;
• own motorized watercraft, provided the engine power does not exceed 15 hp;
• Jet skis, provided the engine power does not exceed 15 hp;
• Own sailing vessels (sailboats, sailing sleds, ice sailing sleds, beach sailors) with a sail area of ​​up to a maximum of 25 square meters, also with auxiliary or outboard motor, provided that the engine power does not exceed 15 hp.

Damage, destruction, or loss of the aforementioned vehicles is excluded.

3.3.5 Private use of other people’s vehicles

If you cause damage while using a vehicle that has been lent to you free of charge as a favor, and the owner of the vehicle therefore has to make a claim on their motor vehicle insurance, you are protected by this personal liability insurance if the following conditions are met:

• The registered owner of the vehicle is not a co-insured person.
• The vehicle is not registered as a self-drive rental vehicle.
• The use was authorized by the holder or owner before the journey began and was exclusively for private purposes.
• The vehicle in question is a car, a motorcycle and/or a motorhome with a maximum permissible total weight of 4 tons or a vehicle trailer requiring registration.

Our services include:

• The additional premium payable for car insurance due to a reduction in the no-claims bonus. Reimbursement is limited to a period of five years from the date of the reduction.
• The deductible of the comprehensive car insurance.

A prerequisite for receiving compensation is proof of settlement from the motor vehicle insurer, showing the reduction in the no-claims discount.

No insurance coverage exists for motor vehicles that have been made available to you for permanent and regular use (e.g. company cars, service vehicles or your own leased vehicles).

3.3.6 Damage caused by incorrect refueling

If you refuel a vehicle that has been provided to you free of charge for private use with the wrong fuel, and this results in damage to the vehicle, the damage is also covered by insurance. However, this does not apply to company cars or service vehicles that you are using for private purposes.

3.3.7 Damage caused during boarding and alighting

The insurance covers damages caused to a third party by passengers opening a vehicle door. The following conditions must be met:

• it involves property damage,
• You were driving the vehicle at the time of the damage and
• the passenger is not the keeper, possessor or owner of the vehicle whose door was opened.

If the passenger can obtain similar insurance coverage from another liability insurance policy, the insurance coverage from the present policy is void.

3.3.8 Loading and unloading damage

Your legal liability as owner, possessor, keeper or driver of a motor vehicle or motor vehicle trailer is insured for damages caused to third parties during the loading and unloading of the same vehicle.

However, there is no insurance coverage for damage to the cargo and to the vehicle or trailer used by the customer.

3.3.9 Cleaning and maintenance work on other people’s vehicles

Your legal liability for damages caused by cleaning and maintenance work on borrowed vehicles and trailers is insured. Coverage is provided up to a maximum of €5,000 per claim, with a deductible of €150 per claim.

3.3.10 Deductible in comprehensive car insurance for rental cars and car sharing

The deductible for comprehensive car insurance due to damage to or destruction of temporarily rented vehicles will be reimbursed. Insurance coverage applies if all of the following conditions are met:

• It is a passenger car, a light motorcycle or a motorcycle;
• The rental is made through a commercial provider of rental cars or car sharing;
• The main purpose of the rental is the transport of persons;
• The rented vehicle can transport a maximum of 9 people.

The compensation is limited to 1,000 euros per claim and to a total of 2,000 euros for all claims in one insurance year.

3.4 Animals

3.4.1 Keeping certain animals

The insurance coverage includes your legal liability as owner and keeper of the following animals:

• tame pets, domesticated small animals (e.g. cats, birds) and bees;
• Exotic animals (e.g., snakes, spiders) are covered, provided you can prove you have the necessary official permit to keep them. Also covered is the reimbursement of expenses related to searching for and recapturing the animals, up to a maximum of €5,000 per claim and for all claims within a single policy year. Expenses as defined in this provision are those costs demonstrably and exclusively incurred by third parties (e.g., fire department, police) in searching for and recapturing the animals.
• Grazing animals kept privately (e.g. sheep, goats);
• Assistance dogs (e.g. companion and guide dogs), provided that they have been demonstrably trained and are used as assistance dogs, or are no longer used due to age and/or illness of the assistance dog, but are still kept by you.

However, your liability arising from keeping and caring for your own dogs, horses, and other riding and draft animals is not covered by insurance. The risk of legal liability arising from keeping these animals can only be covered by a liability insurance policy specifically designed to cover the risks of animal ownership.

3.4.2 Looking after other people’s animals

Your legal liability arising from the care or handling of other people’s dogs, riding animals, and draft animals is insured. For riding and draft animals, the occasional riding of the animals or the use of other people’s carriages is also covered. This also applies to shared riding arrangements in the form of a simple cost-sharing agreement.

All of the following conditions must be met for insurance coverage:

• They do not herd the animals commercially.
• The dogs or riding and draft animals are not kept by co-insured persons.
• They are not co-owners of the animals.

If the owner of the animal suffers personal injury while you are caring for the animal, this is also covered by the insurance. However, insurance coverage for property damage only applies to the injury, loss, or death of the animal under your care.

There is no insurance coverage for damage to other people’s carriages and other riding equipment (e.g. saddle, bridle).

3.5 Sport

Insurance coverage exists for risks associated with the private practice of sports – including in clubs.

The following are not insured:

• Sporting activities for professional purposes (professional athletes, company sports clubs),
• hunting activities and
• Active participation in motor vehicle or watercraft races, or organized or prescribed training sessions designed to prepare for such races.

3.6 Secondary employment

3.6.1 Insured areas of activity

The insurance coverage includes your legal liability arising from the following self-employed, part-time activities:

• Solo entertainer, alteration tailor, photographer, hairdresser, household goods retailer, cosmetics retailer (without manufacturing), handicrafts, pottery, market research, music teacher, tutor, souvenir shop, jewelry shop, typing service, embroidery, pet sitting (dog walking service), translator, gardener, lecturer, household service, influencer

3.6.2 Performance requirements

The following conditions must be met for insurance coverage:

• This is a self-employed secondary occupation carried out in the policyholder’s free time; the majority of their living expenses are covered by other means.
• A separate business premises does not exist. Storage in one’s own home or on the property does not count as a separate business premises.
• No staff are employed.
• The turnover in the twelve months prior to the occurrence of the damage amounted to a maximum of 22,000 euros.

3.6.3 Further service content

Your statutory liability is also covered within the scope of the activity mentioned in section 3.6.1:

• from activities carried out on other people’s property (e.g., during customer visits),
• from participation in markets/bazaars, fairs and exhibitions as well as demonstrations of company products,
• from the ownership and maintenance of advertising facilities (banners, billboards, neon tube systems, etc.).

3.6.4 Exclusions of coverage

We do not offer insurance coverage for:

• the product liability risk and the risk of manufacturing from the distributed products;
• Claims for personal injury caused by medicinal products dispensed to consumers within the scope of the German Medicines Act, for which you or an insured person in the capacity as a pharmaceutical entrepreneur within the meaning of the German Medicines Act are required to provide coverage.

3.6.5 Priority of other insurance contracts

If you or an insured person have another liability insurance contract with comparable insurance coverage, that contract takes precedence.

3.6.6 Increase and expansion of the insured risk

The provisions regarding the increase and expansion of the insured risk and the provisional insurance in section 4.3 do not apply.

3.7 Environmental impacts

3.7.1 Damage caused by environmental impact

Your legal liability is insured for damages caused by the spread of substances, vibrations, noises, pressure, radiation, gases, vapors, heat or other phenomena in the ground, air or water.

3.7.2 Gradual damage

Your legal liability for damages caused by the gradual effects of heat or cold, gases, vapors, moisture or precipitation is insured.

3.7.3 Water pollution

Liability claims arising from damage caused by physical, chemical, or biological changes in water quality are covered. Financial losses are treated like property damage.

3.7.3.1 Storage of substances harmful to water
The insurance covers liability risks arising from the operation of facilities for storing substances hazardous to water. Facilities/containers/tanks for storing heating oil are only insured if they are used exclusively for insured properties as defined in section 3.1.1.

3.7.3.2 Damage to own immovable property
Damage to your own immovable property is also insured, provided the damage resulted from substances leaking from the insured facilities/containers. Damage to the containers/facilities themselves is not insured.

The following conditions must be met in order for us to cover the damage to your own immovable property:

• They have complied with all official and legal regulations applicable to the affected facilities/containers (in particular, inspection requirements for underground tank systems).
• The systems/containers were professionally maintained according to the manufacturer’s specifications – or, where applicable, according to legal requirements. Defects were rectified promptly.
• The real estate in question is not considered commercially used. A commercially used property does not lose its commercial character simply because you have rented or leased it out, in whole or in part.

If similar insurance coverage exists for the equipment/containers elsewhere, the insurance coverage of that contract takes precedence.

3.7.3.3 Rescue costs
If it is necessary to take measures to prevent or mitigate an insured event, we will cover the associated expenses to the extent that is reasonable under the circumstances. If possible and reasonable for you, you must contact us beforehand so that we can provide you with the necessary instructions.

We will cover the costs even if the measures subsequently prove unsuccessful. If you fail to follow our instructions despite them being reasonable, we will only reimburse your expenses if these, together with the compensation payment, do not exceed the agreed sum insured for property damage. However, if you incur expenses following our instructions, we will cover the costs even if this results in the sum insured for property damage being exceeded.

3.7.3.4 Exclusions of coverage
Claims from persons whose damage resulted from their intentional violation of laws, regulations or official orders intended to protect water resources, and who acted with the intent to cause damage, are not covered.

Furthermore, damages demonstrably caused by acts of war, riots, civil unrest, or general strikes are excluded from insurance coverage. The same applies if the damages are directly attributable to official orders/measures or force majeure (including natural disasters and pandemics).

3.7.4 Environmental damage under the Environmental Damage Act (USchadG)

Claims against you arising from public-law obligations for the remediation of environmental damage under the Environmental Damage Act (USchadG) are also insured. The provision regarding the co-insurance of damage to your own property according to section 3.7.3.2 applies analogously here.

The prerequisite is that during the validity period of this insurance contract:

• the damaging emission is suddenly, accidentally and contrary to its intended use released into the environment or
• other damage caused suddenly, accidentally and contrary to its intended purpose (operational disruption).

The maximum compensation for insured costs and expenses is limited to 5,000,000 euros per insured event and 10,000,000 euros for all insured events in one insurance year.

3.7.5 Damages within the scope of the EU Environmental Liability Directive

Insurance coverage also extends to claims arising within the scope and under the EU Environmental Liability Directive (2204/35/EC) in Europe. Claims and obligations of other states are also covered to the extent that they do not exceed the scope of the EU Directive.

3.7.6 Exclusions of coverage

Excluded are claims from persons who caused the damage by intentionally and unlawfully violating regulations designed to protect the environment. Such regulations may include:

• Laws,
• Regulations or
• Official orders or directives addressed to you.

Excluded are claims arising from unavoidable, necessary, or accepted environmental impacts. If another insurance policy exists to cover these claims, that policy takes precedence.

3.8 Discrimination against other people

3.8.1 Discrimination against employees in their private lives

This insurance covers liability claims against you in your capacity as an employer arising from the discrimination of individuals you employ in your private life (e.g., gardener, babysitter). Claims made against you after the termination of an employment relationship are also covered.

The insurance claim is triggered when claims are first made against you in writing. Only liability claims based on the General Equal Treatment Act (AGG) and pursued before German courts are covered.

3.8.2 Hostility, harassment, unequal treatment or other discrimination

This includes liability claims arising from hostility, harassment, intimidation, unequal treatment, or other forms of discrimination. A prerequisite is that the damage is not caused by an intentional act on the part of the insured person; see section 5.1.

3.9 Internet usage

Liability claims arising from private internet use and data exchange for private purposes are insured. The insurance coverage includes personal injury and property damage, as well as costs for:

• the recovery of altered data,
• the re-entry of deleted data and
• the recording or correction of changed data.

No insurance coverage applies to:

• the deliberate and unauthorized interference with foreign IT systems and data networks;
• the deliberate use of hardware or software capable of destroying, altering, or deleting existing data structures;
• the unauthorized downloading of copyrighted data;
• Activities and services in the field of software development (even if performed as a favor and free of charge);
• The installation, maintenance, or repair of IT or communication systems.

3.10 Weapons, ammunition and fireworks

The insurance covers the permitted possession and use of firearms, bladed and striking weapons, ammunition, and projectiles. Firearms within the meaning of these provisions also include so-called electro-impulse weapons (but not conducted electrical weapons).

The use of CS and irritant gas sprays is insured, provided it is exclusively and demonstrably used against aggressive animals or for self-defense.

Also included in the insurance is legal liability arising from the private, permitted possession and use of signal weapons and fireworks.

3.11 Keys and code cards

If you have been given keys or access cards/keycards (e.g., keys to a rented property, hotel keys, access cards for your workplace, or locker keys) and lose them, we will replace them:

• the necessary costs for replacing locks or changing/reprogramming locking systems and systems;
• the costs for the production/configuration of new keys/code cards;
• the costs for measures required at short notice (e.g. emergency lock, costs of a locksmith for emergency openings);
• the costs for guarding the property for a maximum period of 21 days from the day the loss was discovered;
• the costs for consequential damages caused by the theft, damage or destruction of property, unless similar insurance coverage exists under another insurance contract.

If the keys in question are used by you as a co-owner in a community with shared residential property, the costs for necessary work on locks and locking systems of such common property are also covered. In these cases, we will waive any reduction of the compensation based on your share of ownership.

Insurance coverage also applies if you cannot be held legally liable for the loss of the keys because, for example, the keys were stolen or robbed, or the loss is due to embezzlement (e.g., a borrowed key is not returned). However, if you, as the key holder or owner, can obtain similar insurance coverage from another insurance policy, then that policy takes precedence.

The loss of the following is also insured:

• Foreign vehicle keys of any kind, including vehicle trailers;
• Keys that you have received in the course of or for the exercise of your self-employed commercial activity.

The maximum compensation for lost keys and for any consequential damages covered by the policy is limited to the agreed sum insured. For third-party vehicle keys, the compensation is limited to €30,000 per claim and policy year.

3.12 False alarms and evacuation measures

Your statutory liability is also covered if you are held liable for damages by third parties because you triggered a false alarm through your behavior or as owner/tenant of an insured property.

The following are insured:

• Damage to rented property and premises caused by the use of emergency services (e.g., forced entry);
• Consequential damages that are directly related to the false alarm (e.g. business interruption, loss of earnings), even if they are purely financial losses;
• Reimbursement of costs for emergency services is possible if the respective state or local laws stipulate that you are responsible for these costs. This may also include claims for compensation under public law.

3.13 Violations of personality rights, name rights and copyright

Liability claims against persons insured under this contract for damages arising from infringements of personal rights, name rights, and copyright are also covered. Damages resulting from intentional violations are excluded; see section 5.1.

3.14 Professional environment

Your legal liability for property damage that you cause to your employer or people in your work environment is insured.

If similar insurance coverage exists through another insurance contract, that contract takes precedence.

Damage to land, air and water vehicles is not insured.

4.1 Claims with an international element

4.1.1 Damages abroad

Insurance coverage is valid worldwide, provided your main residence is in Germany.

Our services are provided in euros. If the place of payment is outside the countries belonging to the European Monetary Union, our obligations are considered fulfilled at the time the euro amount has been transferred to a financial institution belonging to the European Monetary Union.

In the event of insurance claims in the USA and Canada, our expenses are deducted from the sum insured. These expenses include: legal fees, expert witness fees, witness fees, court costs, expenses incurred to prevent or mitigate damage during or after the occurrence of the insured event, damage assessment costs, and travel expenses incurred by us. This deduction applies even if the costs were incurred at our direction.

Claims for compensation of a punitive nature, in particular punitive or exemplary damages, are excluded from insurance coverage.

4.1.2 Guarantee payments in the event of insurance claims abroad

If you are asked to post a security deposit in connection with an insurance claim abroad, we will comply with this request on your behalf.

You must repay all or part of the security deposit we provided if:

• the deposit is retained as a penalty or fine;
• The deposit is intended to cover claims for damages that are not covered by your existing personal liability insurance;
• They let the deposit expire;
• the deposit is higher than the actual compensation for damages.

If the security deposit is subject to certain obligations or requirements for providing evidence, you must comply with or fulfill these, provided this is reasonable under the specific circumstances. If there is a risk that the security deposit will be forfeited due to non-compliance with obligations or failure to meet deadlines for providing evidence, you must contact us immediately.

4.2 Financial losses

The insurance coverage also includes financial losses resulting from incidents that were neither caused by personal injury nor by property damage and that occurred during the term of this insurance contract.

No insurance coverage exists for financial losses:

• from the loss of items, unless they are expressly covered elsewhere in these insurance terms and conditions;
• in connection with contracts (e.g.: fulfillment of contracts, subsequent performance, self-help, withdrawal, reduction, damages in lieu of performance);
• from professional/official and commercial activities;
• from the violation of industrial property rights and copyrights;
• through constant emissions (e.g. noise or odors).

4.3 Changes to existing risks / new risks

4.3.1 Existing risks / new risks

If existing risks change during the contract period, you don’t need to worry: these changes are automatically covered.

The following risks, which arise after the conclusion of the contract, are initially covered by insurance until the end of the current insurance period without you having to inform us:

• Change in life circumstances (inclusion of co-insured persons);
• Keeping dogs, riding and draft animals;
• Acquisition of real estate (including through inheritance or gift);
• Taking up employment in the public service.

You are only required to notify us of new risks when we request it (this could also be a notification in your next premium invoice or direct debit notification). You have six months to do so. If you fail to report the new risks, or fail to do so within the deadline, your insurance coverage will be retroactively cancelled from the date the new risks arose. If an insured event occurs before you have reported the new risk, you must prove that the new risk arose after the contract was concluded and at a time when the notification period had not yet expired.

If you have notified us of a new risk within the required timeframe, we will review whether and, if so, at what reasonable premium we can insure the new risk. We will then submit an offer to you. You will have one month to accept this offer. If you decide not to accept this offer, the insurance coverage for the new risk will be retroactively cancelled from the date it arose.

4.3.2 Exclusions of coverage

The following risks, which arise after the conclusion of the contract, are not covered by insurance:

• Risks arising from the ownership, possession, keeping or operation of a motor vehicle, aircraft or watercraft, insofar as these vehicles are subject to registration, driving licence or insurance requirements and are not already covered elsewhere in this contract;
• Risks that are subject to mandatory coverage or insurance. This does not apply to mandatory insurance for keeping dogs.
• Risks that last for less than one year (except for construction projects);
• Risks associated with geothermal plants, insofar as these are or have been constructed or expanded by means of drilling.

4.4 Own claims for damages (protection against default of payment)

4.4.1 In the event of the injuring party’s insolvency

This liability insurance protects you against claims made against you by third parties because you have caused them damage. We extend this important insurance coverage to also insure statutory liability claims that you may have against third parties. This applies provided that these individuals are unable to pay the justified claims you are making against them, either in full or in part, due to insolvency. In such cases, we treat you as if these individuals had taken out a comparable private liability insurance policy with us, offering the same scope of coverage as this policy, or alternatively, insurance as:

• Dog owner;
• Owner of riding and draft animals;
• Home and landowners and owners of heating oil storage facilities;
• Client: of privately used building projects.

The prerequisite for receiving the service is that all of the following points are fulfilled:

• There is a legally binding civil judgment or an enforceable settlement regarding the claims for damages against the person.
• The enforcement of the judgment was unsuccessful. Enforcement is not necessary if the person concerned has submitted a sworn statement regarding their financial circumstances within the last three years.
• You have assigned your claims for damages against the person who committed the act or caused the damage to us.

If no legal expenses insurance covers the enforcement of a claim for damages, we will cover the costs of legal representation up to the sum insured specified in the insurance policy. Reimbursement of these costs is based solely on the German Lawyers’ Fees Act (RVG).

4.4.2 In the case of damages resulting from certain criminal offenses

The insurance coverage also includes claims for damages based on intentional bodily injury, death or property damage committed by a third party.

We will provide this service if the following conditions are met:

• The person who committed the crime or caused the damage is known by name.
• There is a legally binding judgment or an enforceable settlement against the person.
• Enforcement of the judgment was unsuccessful. Enforcement is unnecessary if the person concerned has submitted a sworn statement of their financial circumstances within the last three years. Alternatively, it is sufficient if it is obvious or foreseeable that enforcement will be unsuccessful, and we therefore waive enforcement.
• You have assigned your claims for damages against the person who committed the act or caused the damage to us.

If no legal expenses insurance covers the enforcement of a claim for damages, we will cover the costs of legal representation up to the sum insured specified in the insurance policy. Reimbursement of these costs is based solely on the German Lawyers’ Fees Act (RVG).

4.4.3 Exclusions of coverage

Beyond the exclusions applicable to this insurance contract, there is no insurance coverage for:

• Financial losses that are not the result of personal injury or property damage;
• Damage to motor vehicles, aircraft and watercraft;
• Damage to real estate, insofar as it would be covered by a standard residential building and/or household contents insurance policy (regardless of whether such insurance actually exists);
• Damage caused by wear and tear or excessive use, if you have rented out properties;
• Claims arising from contractual penalties and costs of legal action, unless expressly regulated otherwise elsewhere;
• Claims arising from damages for which a social security institution or social welfare provider is obligated to provide compensation.

4.5 Performance guarantees and provisions

4.5.1 Deviations from the standard terms and conditions of the German Insurance Association

We guarantee that the coverage details of this private liability insurance deviate from the current standard terms and conditions of the German Insurance Association (GDV) exclusively to your advantage.

4.5.2 Update guarantee

If the terms and conditions of your chosen insurance plan are changed solely to your advantage and without any additional premium, these changes will also apply to your contract. The improvement will take effect for your existing contract upon implementation of the new terms and conditions.

4.5.3 Betterment clause

Should it transpire in the event of an insurance claim that the terms and conditions of your immediate prior contract with us or another insurer offer you more comprehensive coverage than the terms and conditions agreed upon with you at the time of the claim, we will, at your request, settle the claim according to the terms and conditions that are more favorable to you. You must provide us with the terms and conditions of any other insurers.

We can only take the other insurer’s terms and conditions into account if:

• This is a preliminary contract, after the termination of which you first applied for insurance coverage with us.
• the risk affected by the damage was further insured and
• In the event that the sum insured under the previous contract was insufficient, the sum insured or maximum compensation payment was not reduced by us.

4.5.4 Coverage of differences in total amount and conditions compared to the previous contract (excess coverage)

If you are still bound by your previous contract, we would like you to benefit from the additional services of the tariff you have chosen with us during the period from application to the start of your insurance (= end date of the previous contract). The previous contract takes precedence over this excess coverage. Insurance coverage applies exclusively to services that are not covered in the previous contract, either in terms of amount or type; this also applies if the previous contract has become invalid.

4.5.5 Advance payment guarantee

If, at the time of the claim notification, it is unclear whether property damage occurred during the term of this contract, we will not claim that no insurance coverage exists. We will then clarify the issue of liability with the previous insurer.

4.5.6 Waiver of the objection of acts of kindness

If you expressly request it, we will not argue in an insurance claim that the damage resulted from an act of kindness and therefore you are not legally liable. When processing the claim, we will take into account any potential contributory negligence on the part of other individuals.

Claims from social security institutions, employers and public authorities arising from continued wage payments are not insured.

4.5.7 Green compensation / Sustainable replacement

In cases of property damage, repair is considered more sustainable than replacement. Therefore, at the policyholder’s request, repair costs exceeding those covered by statutory liability will also be reimbursed, provided they have been incurred and documented. Additional costs of up to 20% compared to a new purchase will be reimbursed, with a maximum of €5,000 per claim.

4.5.8 Best performance guarantee

Should an insurer authorized to operate in Germany offer a private liability insurance policy with a broader scope of coverage, higher compensation limits (sublimits) or lower deductibles than our private liability insurance, we will, in the event of a claim:

• extend insurance coverage to include such services;
• Extend compensation limits (sublimits) up to the level of the compensation limits of the other insurer, but not exceeding the main sum insured underlying this contract;
• Deductibles should be reduced to the amount of the deductible in the other contract, unless they are deductibles generally agreed upon for the present contract (e.g. tariff-based deductible, renovation-related deductible).

The prerequisite for this benefit is that the tariff is accessible to everyone and does not involve special concepts (e.g., offers for specific professional groups or memberships). The best-performance guarantee does not apply to components and/or services that could have been agreed upon in this contract but were not.

The policyholder must provide proof of the additional benefits offered by another insurer at the time of the loss. This proof can be provided by the relevant insurance terms and conditions, special conditions, and/or risk descriptions of the other insurer whose policy the policyholder is relying on.

The following claims are excluded from this extension of insurance coverage:

• from incidents of damage occurring abroad;
• whose satisfaction goes beyond the scope of statutory liability;
• due to occupational, commercial, service-related or official risks;
• due to intent;
• due to contractual liability;
• due to self-inflicted damage;
• due to the ownership and use of motor vehicles, aircraft or watercraft that require insurance;
• due to damage caused by asbestos or by asbestos-containing substances or products;
• due to damages caused by the planning, operation and construction of geothermal plants (geothermal risk), also in the capacity as building owner.

The maximum compensation under the best-performance guarantee is limited to €10 million. Both you and we may terminate this clause at any time in writing (e.g., letter, fax, email). The termination will take effect one month after receipt. If we terminate the guarantee, you may terminate this personal liability insurance policy within one month of receiving our notification, effective at the same time. Any overpaid premiums will be refunded.

4.5.9 Victim support

4.5.9.1 Subject of victim assistance
The insurance covers the event that a person insured under clause 1.1 of this contract, during the period of validity of the insurance:

• has become a victim of a violent crime according to Sections 13 and 14 of the Social Code XIV (SGB XIV) and
• as a result, he suffered physical (not exclusively psychological) damage and
• The perpetrator could not be identified.

Benefits under the provisions of Book XIV of the German Social Code (SGB XIV), Subsection 1 (Violent Crimes), can be claimed by anyone who has suffered physical injury as a result of an intentional, unlawful act of violence. Benefits are also payable to anyone who has suffered physical injury while lawfully defending themselves against an act of violence. A prerequisite for receiving benefits is that the insured person has been granted benefits under Book XIV of the German Social Code (SGB XIV), Subsection 1 (Violent Crimes) (notice of approval). The insurer pays the amount resulting from the capitalization of the granted benefits for a period of three years, but not exceeding €50,000.

4.5.9.2 Time limit of insurance coverage
Insurance coverage exists for insured events that occurred during the validity of this insurance policy and that are reported to the insurer no later than two years after the end of the insurance policy, with submission of the approval notice.

4.5.9.3 Exclusions
No insurance coverage applies to:

• Damage resulting from physical attacks caused by the attacker through the use of a motor vehicle or a motor vehicle trailer;
• Damages related to the involvement of insured persons in criminal acts;
• Primary and secondary psychological damage.

4.5.10 New value compensation

At the policyholder’s request, the insurer will provide compensation for property damage at replacement value. A prerequisite for replacement value compensation is that the damaged/destroyed item is no more than twelve months old from the date of purchase at the time of the damage/destruction. The burden of proof for the purchase date lies with the claimant. If the purchase date cannot be proven, only compensation at the current market value is payable. Insurance coverage is limited to the sum insured, up to €5,000 per claim.

If a damaged electrical appliance is replaced by an electrical appliance with better energy efficiency (EU energy label), the insurer will additionally reimburse up to 20% of the purchase price of the destroyed electrical appliance, up to a maximum of 1,000 euros in addition to the agreed maximum compensation.

The following items are excluded from insurance coverage:

• Smartphones, tablets, wearables (e.g. headphones, smartwatch);
• Consumer electronics, computers and laptops of all kinds;
• Film and photographic cameras;
• Glasses of all kinds.

4.5.11 Difference in coverage for own damage (GAP)

The policy covers the difference between the replacement value and the actual cash value of property damage suffered by the policyholder or an insured person, for which another liability insurer has provided compensation based on the actual cash value. Replacement value compensation is contingent upon the damaged/destroyed item being no more than 24 months old from the date of purchase at the time of the damage/destruction, and the other insurer’s settlement being based on the actual cash value. Proof of the purchase date is the responsibility of the policyholder. The maximum compensation is limited to €5,000 per claim.

The following items are excluded from insurance coverage:

• Smartphones, tablets, wearables (e.g. headphones, smartwatch);
• Consumer electronics, computers and laptops of all kinds;
• Film and photographic cameras;
• Glasses of all kinds.

4.5.12 Damage caused by grandchildren

Insurance coverage exists for damage to the policyholder’s own property caused by grandchildren who are not legally responsible for their actions. Coverage is limited to €1,000 per incident. The insurer’s obligation to pay out is contingent upon the policyholder not being at fault and being unable to obtain compensation from another liability insurer or social security institution. If the grandchildren or their parents are covered by a separate liability insurance policy, that policy takes precedence.

4.5.13 Premium waiver in case of unemployment

If the policyholder becomes involuntarily unemployed during the insurance period, this contract will be made premium-free for the duration of the unemployment, up to a maximum of twelve months. The premium waiver will be granted no earlier than the month following notification of unemployment. Should the policyholder take up employment again, the premium waiver will cease at the beginning of the month in which the employment commences. The termination of unemployment must be reported to us immediately.

Contributions already paid are non-refundable. Exemption can only take effect at the next payment due date, provided unemployment persists until then.

The following conditions must be met for insurance coverage:

• The policyholder must have been fully employed for at least twelve consecutive months immediately prior to unemployment;
• Unemployment must last at least one month;
• No paid employment is being pursued anymore;
• The contribution to this contract has been paid;
• The policyholder must be registered as unemployed with the employment agency (“Agentur für Arbeit”).

Self-employed persons are considered unemployed if they have involuntarily and not just temporarily ceased their self-employed activity – other than due to incapacity for work (e.g., due to insolvency).

5.1 Intentional damage

If an insured person intentionally causes an insured event, there is no insurance coverage. However, damage caused by gross negligence is covered.

5.2 Claims by family members and economically related persons

Excluded from insurance coverage are statutory liability claims that your relatives may have against you. For the purposes of this provision, relatives are defined as first- and second-degree relatives, life partners, parents-in-law and children-in-law, as well as foster parents and children, provided they live in the same household as you or are among the co-insured persons according to section 1.

Further exclusions of coverage (5.3 – 5.12)

The following cases and claims are generally not covered by insurance:

• Defective products (5.3): Claims relating to products that you have placed on the market or services, if you knew that they were defective.
• Contractual performance (5.4): Liability claims arising from the performance of contracts as well as contractual commitments that go beyond statutory liability.
• Manufactured or supplied goods (5.5): Damage to goods that you have manufactured or supplied, if the cause lies in the manufacture or supply.
• Diseases (5.6): Claims arising from the infection of other persons with a disease as well as property damage caused by diseases of your own or sold animals (unless you prove that you did not act intentionally or with gross negligence).
• Flooding (5.7): Damage to property caused by flooding of standing or flowing waters and the resulting financial losses.
• Motor vehicles (5.8): Claims relating to the ownership, possession, keeping or driving of motor vehicles and motor vehicle trailers (unless expressly stipulated otherwise in the contract).
• Unlawful interference (5.9): Damage to another’s property caused by unlawful interference or when the property is the subject of a special safekeeping agreement.
• Embargoes (5.10): As soon as and for as long as you or we are affected by economic, trade or financial sanctions (e.g. EU, Germany, USA).
• Breach of duty (5.11): Damages resulting from deliberate deviation from statutory or official regulations, client instructions or other deliberate breach of duty.
• Punitive character (5.12): Compensation with a punitive character (especially punitive or exemplary damages).

As the policyholder, you have obligations that are important for smooth insurance coverage. Please note the following:

• Hazard elimination (6.1): If we require you to eliminate a hazard, you must do so within a reasonable time, provided it is reasonable to expect you to do so.
• Notification (6.2): Please inform us of an insurance claim within 7 days of becoming aware of it.
• Damage limitation (6.3): You must do everything reasonably possible to prevent or mitigate the damage and follow our instructions. Relevant expenses will be reimbursed under certain conditions (public sector interventions are excluded).
• Cooperation (6.4, 6.7, 6.8): You must allow investigations, provide timely and truthful information, submit original documents and authorize us or appointed legal counsel/defense attorneys accordingly.
• Information obligations (6.5): Inform us immediately if claims are made, proceedings are initiated, payment orders are issued or you are notified of the dispute in court.
• Legal remedies (6.6): You must file an objection within the prescribed time limit against payment orders or administrative orders for damages.
• Reduction of a pension (6.10): If you acquire the right to demand the reduction or cancellation of a pension, we are authorized to exercise this right.

6.9 Legal consequences of breach of duty

If you fail to comply with your duty to eliminate hazards prior to an insured event, we may terminate your policy without notice. In the case of a deliberate breach of these obligations, we are released from our obligation to provide benefits. In cases of gross negligence, we may reduce the benefit in proportion to the severity of your fault.

If you breach your duty to provide information or clarification after the occurrence of damage, we will only be released from our obligation to provide coverage if we have specifically notified you of this in writing. If you can prove that the breach was not grossly negligent or did not affect the damage or our performance (except in cases of fraudulent intent), we remain obligated to provide coverage.

7.1 Premium Payment: The first premium is due immediately upon conclusion of the contract (or at the agreed start date). Subsequent premiums are due on the first day of each agreed payment period (e.g., monthly, quarterly, semi-annually, or annually). The exact payment method is specified in your insurance policy.7.2 Premium Adjustment: Once per calendar year, we review the premiums based on cost and claims trends. A necessary recalculation may lead to an increase or decrease in the premium for the next insurance period. Should the premium increase as a result of this recalculation, you have the right to terminate the contract at any time. This termination will then take effect one month after we receive your notification.

Insurance coverage begins on the exact date specified in the insurance policy. This is contingent upon you paying the first premium. If this payment is not received, we may withdraw from the insurance contract in accordance with Section 37 of the German Insurance Contract Act (VVG).

9.1 & 9.2 Contract Duration and Renewal: The exact contract duration can be found in your insurance policy. If it is at least one year, the contract will automatically renew for another year unless you or we have exercised our right to terminate it.9.3 Termination at Expiry: You can terminate the contract with one month’s notice prior to the agreed expiry date (e.g., via the customer portal, email, or letter). We, as the insurer, have a notice period of three months.

9.4 Termination after a claim: After negotiations regarding compensation have concluded, both parties have one month to terminate the contract. Your termination will take effect immediately upon receipt by us (or at a later date chosen by you, but no later than the end of the current insurance period). If we terminate the contract, this will only take effect one month after you receive the termination notice.

9.5 Early Termination: If the contract ends prematurely, we are only entitled to the pro rata premium for the period during which insurance coverage was in effect. This also applies in the event of a complete and permanent loss of interest (e.g., if the risk to be insured ceases to exist). Furthermore, you have a 14-day right of withdrawal analogous to Section 8 of the German Insurance Contract Act (VVG).

In the event of your death, the insurance coverage for all co-insured persons remains in effect until the next premium payment is due. Your spouse or registered partner can then take over the insurance. Alternatively, the contract can be cancelled at any time.

After the agreed contract term expires, we can offer you the option of switching your contract to our latest insurance terms and conditions. You will receive this offer, including all relevant documents, in writing at least two months before the expiry date. If you do not explicitly reject this offer in writing, your acceptance will be deemed given, and the switch will take place at the beginning of the next insurance year.

12 Contract Declarations

Declarations and notices directly relating to your contract must be submitted in written form (e.g., email, letter, fax, or via the relevant functions in customer portals). If written form is legally required, please send these declarations directly to the head office: andsafe AG, Provinzial-Allee 1, 48159 Münster, Germany.

13 Power of attorney of the insurance representative

If an insurance agent was involved in the conclusion of the contract, this person is considered authorized to receive declarations made by you and to send you insurance certificates, amendments or correspondence.

14. Name or address changes

Should your address or name change, please inform us immediately. If you fail to do so, a registered letter to your last known address will suffice for legally valid declarations on our part. The declaration will then be deemed delivered three days after dispatch.

15. Place of jurisdiction and applicable law

The statutory places of jurisdiction apply to this contract. If an insured event occurs abroad and your primary residence is in Germany, legal action can only be brought before a German court. This contract is governed exclusively by German law.