More protection for pets and “green” features

5/26/2021 – Whether ecological travelers cause less damage will probably have to be proven with the discounts, but they need other benefits. Therefore, the Arag has renewed its top cover letter. Rhion, which belongs to the Rhineland Group, has supplemented dog owner liability and private liability. Adam Riese expands the offer to include residential building insurance and Degenia to include an Internet protection letter. Asspario and Bayerische have developed their own vaccination policy.

The dog owner liability insurance of Rhion Insurance AG offers up to 20 million euros insured in the “Plus tariff”. Special features are the deposit abroad up to 250,000 euros, the veterinary expenses cover up to 1,500 euros and the co-insurance of damage to furniture in hotels, holiday homes or apartments up to 30,000 euros.

Insurance cover is available abroad, when being led without a leash and / or without a muzzle, and for puppies up to the age of twelve months. Rescue and rescue costs for the insured animal will be reimbursed up to EUR 20,000 and damage to property on dog trailers lent or rented for private purposes will be covered up to EUR 10,000.

Rhion dog owner liability with cover letter

The exclusion list has been shortened to 16 dog breeds. Essentially it is about “fighting dogs” and crossbreeds from them. The tariff includes total coverage and condition difference coverage as well as an update guarantee. From the second dog there is a discount.

The optional dog protection letter essentially provides services in the event of illness, accident or inpatient hospitalization of the owner or the animal. Up to three telemedical consultations per year are included.

There is support with legal questions if the dog harms another person or the owner needs official or tax information. The cost of a consultation will be covered.

Rhion insures borrowed laptops for homeschooling

Rhion has extended the premium coverage in private liability to include insurance for damage to rented or electronic equipment. This means that laptops borrowed for homeschooling are now insured, for example.

If the insured person damages someone else’s property, the new value compensation applies up to 5,000 euros. In “Premium” the sum insured was increased to up to 50 million euros, in “Plus” to up to 20 million euros. In “Premium” there are generally no deductibles. In all three variants, people employed in the household are also insured – including carers and au-pairs.

“Plus” and “Premium” include underage overnight guests (grandchildren, friends of their own children), damage to privately borrowed, rented, leased, leased or courtesy movable property as well as refueling and cleaning damage to third-party vehicles.

In addition, both variants include professional liability cover for teachers and educators as well as public liability for civil servants.

Arag expanded to include “green” and animals

The Arag se has added sustainable components and the protection of pets to its top letter of protection. In the event of a breakdown or an accident by the pet owner, the insurer takes care of the animal’s species-appropriate journey home and organizes accommodation in a boarding house (including the assumption of costs).

Schutzbrief customers who travel with a car with an E-license plate, a BahnCard or an annual or monthly subscription for local public transport pay five percent less over the entire contract period. In addition to this “ProKlima advantage”, there are new services for sustainable travel.

If connecting connections are missed or a connection is canceled due to delays during domestic train journeys, Arag will take care of alternative travel or accommodation options “quickly and easily”. If buses no longer drive in winter due to unpredictable weather conditions or if rail traffic is discontinued, there is a taxi cost subsidy.

The insurance coverage was expanded to include electric and hybrid vehicles. If necessary, the e-car can be transported to the nearest charging station. The breakdown and accident assistance has been expanded regardless of the vehicle type. In this way, the insurer organizes and pays for the towing of the vehicle, including luggage and accompanying animals, to the customer’s preferred workshop within 50 km of the damage location.

Adam Riese promises quick settlement of minor damage

The Adam Riese GmbH – the digital brand of Wüstenrot & Württembergische Group – expands its offer to include residential building insurance with three tariff lines and seven deductible levels from zero to 2,000 euros. Without additional modules, the basic protection starts at 9.10 euros per month.

“XL” and “XXL” waive the objection of gross negligence indefinitely. In the case of damage up to 10,000 euros, a “simplified damage assessment and quick and uncomplicated processing are promised. Damage caused by vandalism is covered indefinitely.

There is no age-related surcharge for buildings. In “XXL”, additional costs of up to 10,000 euros for planned renovation measures for age-appropriate living or energy-efficient modernization are taken over after a damage event.

Degenia: Protection even when your own children are bullying

The “Internet Protection Letter T21” from Degenia Versicherungsdienst AG protects the policyholder and family members living in the same household from cybercrime and bullying. In addition to compensation, initial legal advice is provided.

Optionally, third-party damage (e.g. violation of data protection regulations or cyber-bullying of your own underage children) up to 5,000 euros can be included. Damage caused by online shopping (Internet purchases and sales) up to 5,000 euros is covered. In the event of identity data theft, up to 15,000 euros will be compensated. The costs for data recovery and hardware protection are covered up to 2,000 euros.

In the case of bullying, the costs for a psychologist up to 500 euros and the costs for a possibly necessary move within Germany up to 2,000 euros as well as the loss of income by attending appointments (maximum three days, up to 200 euros per day) are reimbursed. The commissioning of an IT service provider to delete unauthorized personal data on the Internet will also be reimbursed up to 1,000 euros.

Asspario offers protection for vaccinations

The Asspario Insurance Service AG Its “vaccination damage insurance” is aimed at everyone who would like to insure the residual risks of a vaccination approved in Germany in an independent insurance policy. The risk taker is BA the Bayerische Allgemeine Versicherung AG.

The three optional sums insured range from 20,000 euros to a maximum of 60,000 euros. As part of the coverage, the “Asspario-ISV” provides:

• Daily sickness allowance (replenishment to 100 percent of the net salary)
• Hospital daily allowance from the third day of full inpatient treatment
• Additional costs up to a maximum of 500 euros
• Disability benefit in the amount of the agreed sum insured from 20 percent disability
• Death benefit in the amount of the agreed sum insured

If children suffer a disability of more than 50 percent as a result of a vaccination damage, an additional disability benefit of 100 percent of the agreed sum insured will be paid in the form of a pension when they reach the age of 18.

The fee is due once and is then valid for 36 months from the next vaccination after the tariff has been concluded. There is no insurance cover, for example, for damage caused by illnesses that cannot be traced back to the vaccine damage, and for the assumption of medical treatment costs.

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