Pension insurance
In liability insurance , the following principle applies: only the properties, legal relationships and activities of the policyholder named in the contract are covered by the insurance company's cover commitment. Risks that arise after taking out liability insurance are, however, also insured under the existing contract (provision insurance in accordance with the general insurance conditions). Pension insurance is therefore not an independent branch of insurance, but takes into account the fact that the insured risk does not remain unchanged, neither in company nor in personal liability insurance: Compared to the situation when the contract was concluded, the known new risks are added, existing ones expand or disappear. Nevertheless, the policyholder needs comprehensive insurance protection, which is guaranteed by the pension insurance:
Section 3 (1) sentence 2 of the General Liability Insurance Conditions (AHB) differentiates between increases and extensions of the insured risk on the one hand and newly added risks on the other. Qualitative or quantitative changes in known risks are generally included in the insurance. This comes into play if, in addition to a named dog, another (risk expansion ~ quantitative increase in the insured risk) or instead of a dachshund a fighting dog (risk increase ~ qualitative increase in the insured risk) is kept.
If the policyholder has not insured any comparable risk at all, i.e. if a new one is added, then the provision insurance guarantees the insurance coverage to a partially reduced extent (lower coverage amounts!). The risk is therefore insured free of charge until the next premium is due. However, the prerequisite is that the policyholder then notifies the insurer of the new risk on request and both of them agree on its inclusion in the contract. If he reports the new risk late or not at all, or if the insurer's tariff offer is too expensive for him, the insurance cover lapses retrospectively from the occurrence of the risk.
The provision insurance does not require that the new risk generally falls under the insurance protection of the existing contract: Commercial risks, such as that of a business operation, can be added to private liability insurance without the insurer being able to prevent this.
The provision insurance is excluded for the risk of motor vehicle liability or other explicitly mentioned risks such as (especially commercial) liability from environmental risks and specifically listed risks.
Individual evidence
- ↑ General Insurance Conditions for Liability Insurance (AHB) (as of 2012) ( Memento of the original from November 7, 2012 in the Internet Archive ) Info: The archive link has been inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice.
