Electronics insurance
The electronics insurance is a sub-division of engineering insurance . All types of electronic devices can be insured individually, in groups or as a lump sum. Annual contracts with automatic renewal are common in German-speaking countries; shorter periods of time can also be agreed for events .
Protection area
Electronics insurance covers electronic devices that can be used independently. Removable media are excluded. A data carrier insurance can also be taken out for these .
Scope of protection
Electronics insurance is one of the so-called all - risk insurances and protects against all dangers that are not explicitly excluded. In particular, it offers insurance protection against errors in the operation of the devices by humans , in the event of lightning strikes , overvoltage , theft or damage caused by water , ice or force majeure.
Uninsured risks
The dangers and damage of the exclusion list, which is always final, are not insured. Internal unrest, war , nuclear energy , earthquake , normal or premature wear and tear and defects that were already known when the contract was concluded are excluded .
Individual evidence
- ↑ General Conditions for Electronics Insurance - PDF file, accessed on March 31, 2019