March 31, 2021 – Ergo focuses on two variants in Unfall. Debeka and WWK are each revising their home contents insurance, while NV Insurance is revising all liability tariffs. Mailo becomes a product partner for Smart Paws in animal health insurance. Neodigital’s residential building insurance also pays for damage caused by natural forces in the two lower Zürs zones.
The new accident insurance of Ergo Insurance AG provides a one-off lump-sum benefit from a degree of disability of one percent and the full progression benefit from 70 percent. There are only the variants “Smart” with a progression of up to 300 percent and “Best” with up to 600 percent.
“Smart” includes the organization and reimbursement of rescue and recovery costs up to 200,000 euros as well as above-average services for cosmetic operations up to 50,000 euros without additional contributions. The Franke and Bornberg Research GmbH rates the tariff with the top grade “FFF”.
Ergo pays a loyalty bonus from the second year
Accidents also include the consequences of increased physical exertion and when moving a joint on a limb or spine, tearing or tearing muscles, tendons, ligaments or capsules on limbs or spine, or breaking a bone completely.
Special features are, for example, the daily rate of 25 euros for up to 100 days if an insured minor child has to be treated as an inpatient after an accident, and the co-insurance of minor grandchildren traveling with you on vacation up to a maximum of two months. From the second year of insurance onwards, the benefit increases with a loyalty bonus.
Damage can be reported online. In the event of minor injuries, they receive a direct payment of daily hospital allowance and injury allowance (even without permanent damage) of up to 3,000 euros.
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WWK household insurance is modular
The new modular home insurance from WWK Allgemeine Versicherung AG consists of two service packages and additional modules. “Household contents insurance plus” is rated “FFF” by the rating agency.
In addition to the classic risks, “household contents insurance” covers overvoltage damage from lightning, damage from impact or crash of an aircraft, its parts or its cargo, deflagration, sonic boom, useful heat damage, duds or other vehicle impacts up to the insured amount.
“Household contents insurance plus” replaces valuables up to 50 percent of the agreed sum insured. Trick theft in the online area will be replaced up to 5,000 euros. Household items in sports clubs and in second homes and holiday homes are also insured. Luggage protection is included.
The additional modules also cover clumsiness and blind discs
One of the additional modules offered is bicycle theft insurance with bicycle comprehensive insurance for damage caused by accidents, falls or vandalism.
The electronic protection module also pays for damage to electronic devices due to operating errors, clumsiness, fall / breakage or willful damage by third parties.
“Glass insurance plus” also replaces damage caused by shell breakouts on surfaces or edges or the “blindness” of multi-pane insulating glazing.
Debeka supplements the household contents insurance for bikes and electronics
The Debeka Allgemeine Versicherung AG supplements household contents insurance with the “Bike Plus Package”. All-risk coverage covers damage caused by accidents, falls, vandalism, fire or lightning strikes, as well as natural hazards.
Bicycles (also made of carbon), e-bikes, adult scooters and bicycle trailers are insured. Damage to batteries, motors and control units of e-bikes – for example due to moisture, short circuit or overvoltage – is included within the first five years.
The non-contributory ad-hoc insurance for the bike takes effect immediately, even if the household contents insurance including bike theft protection is only applied for at the next possible date – for example due to a change of insurer.
The “electronics package” is also new. This covers all electronic devices in the household that are destroyed, damaged or stolen as a result of unforeseen events. This also includes damage caused by operating errors, sand, frost, liquids or falls.
Damage caused by supersonic pressure waves is included with Neodigital
The Neodigital Insurance AG expands its product range to include a residential building tariff.
In addition to the classic dangers (fire, tap water, storm and hail damage), explosion and implosions, damage from aircraft (e.g. also supersonic pressure waves), glass breakage, photovoltaic systems, drainage pipes and, in the variants “M” and “L”, Seng are covered – and stew damage.
Damage caused by natural forces in the Zürs-Hazard zones 1 and 2 are included from a damage amount of 500 euros up to a maximum of 5,000 euros. Depending on the tariff, the reimbursement of costs ranges from repairs to overhauls to complete reconstruction after a total loss.
Regulation with artificial intelligence
The premium is calculated according to the square meter model. If the living space is specified correctly, an underinsurance waiver applies.
The policy can be managed completely digitally with the help of the “myNeo app”. Damage reports must be documented with images and videos, which Neodigital then automatically records and evaluates using AI-supported software. The customers have a daily right of termination, the insurer does not.
Mailo offers white label pet health insurance
The Mailo Versicherung AG becomes product partner and risk carrier for the intermediary Smart Paws GmbH offered animal health insurance. The offer can be concluded through cooperating veterinarians or directly via the Smart website, but not with Mailo.
There is a free choice of vet, also for emergency treatment at home and abroad. The billing can optionally be done directly with the veterinarian.
The right to terminate in the event of damage, which is customary in the market, is waived. Customers are guaranteed lifelong insurance cover – even if the animal has a previous illness.
The NV has reduced the price of liability insurance
The NV ‑ Insurance VVaG have equipped 16 liability products with more than 30 new benefits and further performance improvements.
After the revision, the insurer reports a price advantage of up to 20 percent compared to the old tariffs, which is passed on directly. Sums insured for personal injury, property damage and financial loss of up to 50 million euros are possible.
For example, the private liability “NV PrivatSpar6.0” covers damage caused by persons incapable of tort up to 50,000 (previous tariff up to 15,000) euros, the loss of keys and code cards up to 30,000 (10,000) euros and includes bad debt coverage for claims from 2,500 euros up to Sum insured (previously from 5,000 euros to 500,000 euros).
The inclusion (with a limit) of courtesy damage without deductibles, privately used small sewage treatment plants, landslides as well as the use of cranes and damage / loss of borrowed, rented or leased items (including bicycles and medical equipment) are new. The “better green variant” offers private, dog and horse owner liability with sustainable additional benefits.
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