SpeedSurance - Innovative TIPS:
These additional packages are intended as information for you and represent an extract of the possibilities of our insurance partners VAV and Wiener Städtische Versicherung.
For more details you can contact me by email, chat or phone.
Product household / home short overview:
Gross negligence: Insure yourself against damage caused by gross negligence, eg a pan with oil catches fire while you have briefly left the kitchen.
Scorching damage except from tobacco (deductible EUR 100.00 per claim) - up to max. EUR 1,000.00
Increase the insurance sum & expand the scope of your bike or e-bike: bicycles and e-bikes can be covered - optionally across Europe.
Damage from smoke or soot - even without fire
Balcony flowers and containers up to max. EUR 250.00
Refrigerated goods insured up to EUR 800.00
Waterbed
Default insurance / victim protection: Protection in the event that a claim against the injuring party is irrecoverable (including deliberate offenses).
HOUSE TECHNOLOGY PACKAGE / SMART HOME
Building services package
Sum insured: 25,000.00
for all building services, such as power supply installations, heating systems, water treatment and alarm systems, swimming pool technology, etc.
for solar energy and photovoltaic systems (solar systems) up to EUR 15,000.00.
Deductible per claim EUR 75.00.
Building services package including smart home
Sum insured: EUR 30,000.00
for all building services, such as power supply installations, heating systems, water treatment and alarm systems, swimming pool technology, etc.
for bus systems (Smart Home).
for keyless locking systems.
for solar energy and photovoltaic systems (solar systems) up to EUR 15,000.00.
Deductible per claim EUR 75.00
In addition, you do not have to pay 72 hours, which means that the main tap does not have to be turned off if you are not at home for more than 72 hours.
CYBER PROTECTION
Emergency cyber help at:
Infestation of malware
Cyber extortion
Reputation damage (bullying, etc.)
unjustified warning
Identity theft
Email fraud including phishing
Fraud by fake websites, including pharming
Loss of personal data and photos
Data security / backup (preventive measure)
Copyright infringement (excl. Torrent download)
Bullying and stalking in the IT context
Deletion of data in the event of the death of the policyholder or a close relative
financial damage from trading or payment on the Internet
Telephone advice and assumption of costs up to EUR 2,000.00 at:
misuse of credit and payment cards or account movements by third parties
Damage to newly purchased items on the Internet (within 24 hours of receiving the goods)
INSURANCE OF SWIMMING POOLS
Swimming pool package 1 including cover
1. The insurance covers all year round fixed pools or whirlpools as well as swimming ponds or biotopes on the insured property (minimum insurance value of the pool including covers and accessories EUR 4,000.00) up to the insurance sum shown on the policy in the amount of EUR 25,000.00 at 1st risk .
2. Damage to the swimming pool / whirlpool including its roofing, cover (also tarpaulins and foils) and pool surrounds are also insured. Insurance cover for damage to covers (tarpaulins and foils) up to max. EUR 5,000.00 within the scope of the insurance sum shown in item 1.
3. As an extension, breakage damage to the pipe system to or from the swimming pool (= own circuit) also applies.
4. Water leakage from the pool / whirlpool is the improper discharge of water from a pool and is considered to be insured. Damage caused by splashing water is not included in the insurance.
Swimming pool package 2 including cover and technology
1. The insurance covers all year round fixed pools or whirlpools as well as swimming ponds or biotopes on the insured property (minimum insurance value of the pool including covers and accessories EUR 4,000.00) up to the amount insured on the policy in the amount of EUR 50,000.00 at 1st risk .
2. Damage to the swimming pool / whirlpool including its roofing, cover (also tarpaulins and foils), swimming pool technology and pool surrounds are also insured. Insurance cover for damage to roofs, covers (except tarpaulins and foils), as well as pool borders, up to max. EUR 25,000.00 within the scope of the insured sum in section 1. Damages to tarpaulins and foils are up to max. EUR 5,000.00 insured within the scope of the insured sum shown in section 1.
3. As an extension, breakage damage to the pipe system to or from the swimming pool (= own circuit) also applies.
4. Water leakage from swimming pools / whirlpools is the improper discharge of water from a pool and is considered to be insured. Damage caused by splashing water is not included in the insurance.
5. The insured items of swimming pool technology include all connected fittings and devices, that is: pumps, switching and control technology, pool lighting (excluding illuminants) and
Pool heating, counterflow and dehumidification system, water treatment technology as well as pipes above ground level.
A pool robot is valid within the stated insurance sum of point 1 with a value of max. EUR 2,000.00 as part of the fire, storm damage and theft insurance.
SPORTS ACCESSORIES PACKAGE
Insurance cover exists for sports items, hunting and fishing accessories as well as for electronic accessories of all kinds.
Protection exists across Austria and Europe:
On the policyholder's property in Austria
At the sports venue during an official competition or a locker box locked all year round
In a guest house or hotel accommodation in a locked room or in a locked, designated room
In a privately used car, provided the items are not stowed away from the outside
In properly locked roof boxes, on bike racks, in trailers (only between 5 a.m. and 11 p.m.)
The compensation is limited per claim with a maximum compensation of EUR 5,000.00 to first risk for sports equipment and EUR 500.00 to first risk for electronic sports accessories.
BICYCLE / E-BIKE THEFT
You have the choice to extend the scope to:
Austria,
Austria and neighboring countries
Europe in the geographical sense
Insurance cover for bicycles / e-bikes is available up to the agreed sum insured if the bicycles / e-bikes can be proven to be secured in a manner customary in traffic at the time of the theft by a lock with a minimum purchase value of EUR 30.00.
In the case of bicycles, insurance coverage extends to theft and theft of the entire bicycle (theft of parts is not insured).
Insurance coverage for e-bikes extends to theft, parts theft and robbery. For e-bikes, there is a general deductible of EUR 250.00 per claim.
Furthermore, damage due to fire (including scorching damage), explosion and natural forces are also insured.
GARDEN PACKAGE
Insurance protection for things on the insurance property as well as on balconies and terraces that the manufacturer has intended for permanent installation outdoors against damage from fire, direct and indirect lightning, explosion, storm, hail and snow pressure.
The garden package's insurance cover applies in addition to the maximum compensation limits agreed in the PREMIUM variant.
Apply insured
· Playground facilities and enclosures of any kind
Brick garden grills, grill kitchen blocks, patio heaters
Pergolas, gazebos, garden pavilions, privacy screens, patio floors
· Laundry spiders, garden boxes, garden chests, plant troughs
Garden showers firmly connected to the floor
· Fountains
· Waste disposal systems including containers
· Parasols, awnings
The compensation is limited to a maximum compensation of € 3,000 per claim. Glass houses and party tents are not insured.
Air heat and geothermal heat pumps for heating systems
The compensation is limited to a maximum compensation of € 10,000 per claim.
Also apply insured
Cultures are trees and shrubs - with the exception of forest stands - which have been permanently damaged in an insured event by storm, hail, snow pressure due to uprooting or breakage of the main trunk.
The replacement service is limited to a maximum compensation of EUR 1,500, including disposal costs per claim. Indicative premium approx. € 80.-pa
CARPORT Freestanding parking space roofs
with PREMIUM home insurance up to € 10,000 included
Insurance protection for free-standing parking space roofs (construction and roofing, even if it is made of glass, polycarbonate or another plastic)
on the insurance property against damage from
· Fire, lightning and explosion
· Storm, hail and snow pressure
Tarpaulin and foil roofing are not insured.
Damage to the pipes of geothermal collectors
Insurance protection in the event of breakage, including the necessary additional work
on pipelines of geothermal collectors filled with coolants for the generation of geothermal energy outside the building on the insurance property regardless of the cause.
Pipe replacement 6 meters per damage event
Damage to the equipment and fittings connected to the pipes of geothermal collectors as well as deep drilling are not insured.
The compensation is limited to the maximum compensation shown in the policy for each claim.
Insurance sum € 4,000, indicative premium approx. € 160.00 pa
Sum insured € 8,000, indicative premium approx. € 230.00
FAILURE INSURANCE (VICTIMAL PROTECTION INSURANCE)
The default insurance (victim protection) covers damage that you have suffered personally if the replacement is irrecoverable.
Example: You are knocked down and injured by a cyclist on the sidewalk. The cyclist (injured party) cannot pay the pain compensation awarded to you due to unemployment.
Insured benefit:
Flat-rate insurance sum for personal injury: EUR 1,500,000.00
for deliberate offenses: EUR 50,000.00
Deductible: EUR 3,000.00 per claim
ADVANCED PREMIUM Dangers (Subsidiary Coverage) - Additional Service Packages
For home insurance including household insurance, you will find the two below
Cover modules for building and household insurance in combination Application:
Additional insurance protection for fire insurance
· Up to the fire insurance sum of the insured buildings
- Explosion damage from weapons (unexploded ordnance) from ended wars;
· Up to a total of EUR 10,000, - including all costs per insurance period *) for all damage from the following dangers:
- damage caused by smoke and soot,
- Damage caused by marten bites and other wild rodents on electrical systems and cables on the insurance property
- Damage caused by malicious damage (including graffiti) on the outer walls of the insured building
- Damage caused by internal unrest on the insured buildings
Additional insurance cover for household insurance (subsidiary coverage):
· Up to the household insurance sum
- Explosion damage from weapons (unexploded ordnance) from ended wars;
· Up to a maximum of EUR 10,000, - including all costs per insurance period *) for all damage from the following dangers:
- damage caused by smoke and soot,
- damage caused by the energy of the electric current,
- damage to electricity, water or gas lines caused by do-it-yourself activities,
- Damage caused by unforeseen suddenly and from outside with mechanical force
- Acting events on insured property contents
The following are not insured:
Damages that are insured according to the General Conditions for Household Insurance (ABH) and the Special Conditions of the Contract.
Damage to electronic mobile devices such as cell phones, laptops, tablets, cameras, game consoles and the like.
Damage to glasses, porcelain, glass and glassware of all kinds. This also applies if these things are made of glass-like plastics such as plexi or acrylic glass.
Damage to antiques and art objects
Damage to play and sports equipment during use.
Damage caused by working or processing (except cleaning work).
Damage caused by animals and on animals of all kinds.
Damage caused by persons other than the policyholder or people living in the same household.
Insignificant changes to the insured items or impairments without affecting the usability, functionality or useful life of the insured items (e.g. scratching, scratching, chipping on the surface) are not considered damage in the sense of these conditions.
· In each case of damage, the policyholder has to pay a deductible of EUR 200. Damage up to the agreed deductible is therefore not covered by the insurance cover.
Other deductibles specified in this contract do not apply.
Is from both building insurance and household insurance for one and the same
If the damage event is compensated, the deductible is deducted only once.
· The insurance protection of the additional agreements in question applies on a subsidiary basis, i.e.
unless and unless compensation can be claimed from another insurance company.
· Termination option
The contractual agreement in question can be terminated in writing by both contracting parties with a one-month notice period annually at the end of an insurance period of the insurance contract. The termination of this additional agreement does not entitle you to terminate the household or home insurance contract or a part thereof.
*) Insurance period: The key date for the start and end of an insurance period is the main due date of the contract.
Guide premium for both cover modules approx. € 150.00 pa
Indicative premium for contracts without a household division approx. € 70.00 pa
STRUCTURAL INSURANCE
Premium-free insurance protection (1 year) is offered for the fire, storm and liability sectors (depending on the product selection) until the property is completed.
The prerequisite is that a contract of at least nine years is concluded after completion.
Effective term of contract: shell construction + 9 insurance years
All other lines included in home insurance are insured from the following times:
Storm damage:
The shell must be completed and externally completed, so the following work must be carried out:
· The roof must be completely covered.
· The gable masonry must run under the roof skin or under the roof formwork
and the roof space must be completely closed to the outside.
· The plumbing work must be carried out.
· All doors and windows must be inserted and glazed.
The liability extensions for damage caused by flooding, flooding, mud, surface water and backwater, avalanches and earthquakes only take effect at the end of the agreed shell construction time.
Tap water, household, deep-freeze
When the building is ready to move into.
Ready to move in
A building that offers the opportunity to live in it is said to be ready for occupancy. All on-site activities on the property must be completed.
It is not a requirement that people actually live in it.
The insurer must be informed of an early completion of the construction immediately. From this point on, the premium waiver expires.
PHOTOVOLTAIC INSURANCE - VALID ONLY FOR INSTALLATIONS ON THE ROOF
Coverage from the start of installation:
Burglary damage for parts that have not yet been assembled, provided that they are accommodated in properly locked premises.
Damage from simple theft for objects firmly connected to the building.
Damage from elementary events (e.g. lightning, fire, natural disasters including earthquakes).
Coverage after commissioning:
Internal damage to the system (e.g. short circuit, material and manufacturing defects).
All external damage to the system.
Also insured as consequential damage: Ancillary costs that arise from damage to the system.
Insurance coverage includes all parts belonging to the photovoltaic system (power generation), in particular consisting of the following individual components:
Feed-in and generation meters,
DC and AC wiring,
Distribution boxes (only in connection with damage to the insured photovoltaic system),
Module support structures,
Assembly set, such as connection, fastening and connection sets,
Transformers,
Surge protection devices (lightning protection),
Inverter as well
the necessary installation and assembly costs if the policyholder bears the risk.
Mobile and permanently installed peripheral and monitoring devices are also insured outside of the insurance location, provided that they only serve to operate or monitor the insured system.
Insurance cover also exists for systems that have been assembled in whole or in part by the policyholder. The installation must be carried out in accordance with the recognized rules of technology and the system must be approved by a specialist electrician before it is fed into the grid.
A loss of income insurance is automatically included.
The insurer also pays compensation if the technical application of the insured system is interrupted or impaired due to a reasonably insured property damage. Here, the insurer compensates the policyholder for the loss of income that this causes.
In addition, up to EUR 10,000 insured (depending on cost type and loss event):
Building damage: disassembly and reassembly costs, which are incurred regardless of insured damage to the system, since property damage to the building on which the insured system is installed must be remedied. The insurer also pays compensation for the loss of income caused thereby. The detention period for this is 1 month.
Damaged work on roofs and facades: Repair work on roofs and facades that became necessary as a result of damage to the insured photovoltaic system that is subject to compensation.
Damage search costs: Costs incurred to localize or track down the cause of the damage.
The photovoltaic insurance is provided to you as a separate policy. It is a short extract from the coverage overview. The insurance conditions in the latest version of the VAV apply.