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Insurance Contract Act 2008

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▄bersetzung durch Ute Reusch. Laufende Aktualisierung der ▄bersetzung durch Neil Mussett.

Translation provided by Ute Reusch. Translation regularly updated by Neil Mussett.

Stand: Die ▄bersetzung berŘcksichtigt die ─nderung(en) des Gesetzes durch Artikel 2 des Gesetzes vom 22.12.2011 (BGBl. I S. 3044)
Der Stand der deutschsprachigen Dokumentation kann aktueller sein. Vergleichen Sie dazu bitte http://www.gesetze-im-internet.de/vvg_2008/BJNR263110007.html.

Version information: The translation includes the amendment(s) to the Act by Article 2 of the Act of 22.12.2011 (Federal Law Gazette I p. 3044)
Translations may not be updated at the same time as the German legal provisions displayed on this website. To compare with the current status of the German version, see http://www.gesetze-im-internet.de/vvg_2008/BJNR263110007.html.

Zur Nutzung dieser ▄bersetzung lesen Sie bitte den Hinweis unter "Translations".

For conditions governing use of this translation, please see the information provided under "Translations".

Part 1
General part
Chapter 1
Provisions applying to all classes of insurance
Division 1
General provisions
Sectioná1Typical obligations
Sectioná2Retroactive insurance
Sectioná3Insurance policy
Sectioná4Insurance policy issued in the name of the holder
Sectioná5Deviating insurance policy
Sectioná6Advising the policyholder
Sectioná7Information provided to the policyholder
Sectioná8Policyholder's right of revocation
Sectioná9Legal consequences of revocation
Sectioná10Commencement and expiry of insurance
Sectioná11Renewal, termination of the contract
Sectioná12Period of insurance
Sectioná13Change of address and name
Sectioná14Due date of cash benefit
Sectioná15Suspension of limitation period
Sectioná16Insurer's insolvency
Sectioná17Prohibition of assignment of things exempt from seizure
Sectioná18Deviating agreements
Division 2
Duty of disclosure, aggravation of risk, other incidental obligations
Sectioná19Duty of disclosure
Sectioná20Policyholder's representative
Sectioná21Exercising of the insurer's rights
Sectioná22Fraudulent misrepresentation
Sectioná23Aggravation of risk
Sectioná24Termination of the contract due to aggravation of the risk insured
Sectioná25Increase in insurance premium due to aggravation of risk
Sectioná26Release from liability due to aggravation of risk
Sectioná27Immaterial aggravation of risk
Sectioná28Non-observance of an incidental obligation
Sectioná29Partial withdrawal, partial termination, partial release from liability
Sectioná30Notification of the occurrence of the insured event
Sectioná31Policyholder's duty to disclose information
Sectioná32Deviating agreements
Division 3
Sectioná33Due date
Sectioná34Payment by a third party
Sectioná35Offsetting by the insurer
Sectioná36Place of performance
Sectioná37Delayed payment of first insurance premium
Sectioná38Delayed payment of subsequent premium
Sectioná39Termination of the contract before the agreed date
Sectioná40Termination on account of increase in premium
Sectioná41Reduction of the premium
Sectioná42Deviating agreements
Division 4
Insurance for the account of a third party
Sectioná44Rights of the insured person
Sectioná45Rights of the policyholder
Sectioná46Rights between the policyholder and the insured person
Sectioná47Knowledge and conduct of the insured person
Sectioná48Insurance for the account of "whom it may concern"
Division 5
Provisional cover
Sectioná49Content of the contract
Sectioná50Non-formation of the main contract
Sectioná51Payment of the premium
Sectioná52Termination of the contract
Division 6
Open policy
Sectioná53Duty to give notice
Sectioná54Breach of the duty to give notice
Sectioná55Individual policy
Sectioná56Breach of the duty of disclosure
Sectioná57Change in risk insured
Sectioná58Non-observance of an incidental obligation
Division 7
Insurance intermediaries, insurance advisers
Subdivision 1
Duties to notify and advise
Sectioná60Basis on which insurance intermediary provides advice
Sectioná61Insurance intermediary's duties of advice and documentation
Sectioná62Time and form of the information
Sectioná63Obligation to pay damages
Sectioná64Securing payment to the policyholder's benefit
Sectioná65Jumbo risk
Sectioná66Other exceptions
Sectioná67Deviating agreements
Sectioná68Insurance advisers
Subdivision 2
Power of agency
Sectioná69Statutory power of attorney
Sectioná70Knowledge of the insurance agent
Sectioná71Authorisation to acquire contracts
Sectioná72Restriction of the power of agency
Sectioná73Employees and intermediaries not working on a commercial basis
Chapter 2
Indemnity insurance
Division 1
General provisions
Sectioná76Agreed value
Sectioná77Several insurers
Sectioná78Liability in the case of multiple insurance
Sectioná79Elimination of the multiple insurance
Sectioná80Lack of insured interest
Sectioná81Causing the insured event
Sectioná82Loss avoidance and minimisation
Sectioná83Reimbursement of expenses
Sectioná84Drawing on an expert
Sectioná85Costs of establishing the loss
Sectioná86Assignment of claims
Sectioná87Deviating agreements
Division 2
Property insurance
Sectioná88Insurable value
Sectioná89Insurance for an aggregate of things
Sectioná90Extended reimbursement of expenses
Sectioná91Interest on compensation
Sectioná92Termination of the contract after an insured event
Sectioná93Replacement clause
Sectioná94Effectiveness of payment vis-Ó-vis mortgage creditors
Sectioná95Sale of the insured object
Sectioná96Termination of the contract after a sale
Sectioná97Disclosure of the sale
Sectioná98Protectionáafforded the buyer
Sectioná99Foreclosure, acquisition of the right of use
Part 2
Individual classes of insurance
Chapter 1
Liability insurance
Division 1
General provisions
Sectioná100Insurer's liability
Sectioná101Legal protectionácosts
Sectioná102Employer's liability insurance
Sectioná103Causing the insured event
Sectioná104Policyholder's duty of disclosure
Sectioná105Acknowledgement by the policyholder
Sectioná106Due date for performance
Sectioná107Entitlement to a pension
Sectioná108Right of recourse provision
Sectioná109Several injured parties
Sectioná110Policyholder's insolvency
Sectioná111Termination of the contract after an insured event
Sectioná112Deviating agreements
Division 2
Compulsory insurance
Sectioná113Compulsory insurance
Sectioná114Scope of the insurance cover
Sectioná115Direct claim
Sectioná116Joint and several debtors
Sectioná117Liability towards third parties
Sectioná118Order of precedence of several claims
Sectioná119Third party's incidental obligations
Sectioná120Non-observance of an incidental obligation by the third party
Sectioná121Offsetting against third parties
Sectioná122Sale of the insured object
Sectioná123Recourse in the case of several insured parties
Sectioná124Extent of legal force
Chapter 2
Legal expenses insurance
Sectioná125Insurer's liability
Sectioná126Claims processing company
Sectioná127Freedom of choice of lawyer
Sectioná128Procedure for calling in expert opinion
Sectioná129Deviating agreements
Chapter 3
Transport insurance
Sectioná130Extent of risk accepted
Sectioná131Breach of the duty of disclosure
Sectioná132Change of risk insured
Sectioná133Transportation in breach of contract
Sectioná134Unsuitable means of transport
Sectioná135Reimbursement of expenses
Sectioná136Insurable value
Sectioná137Causing an insured event
Sectioná138Exclusion of liability for ships
Sectioná139Sale of the insured object or goods
Sectioná140Sale of the insured ship
Sectioná141Release following payment of the sum insured
Chapter 4
Building fire insurance
Sectioná142Disclosures to mortgage creditors
Sectioná143Continuation of liability towards mortgage creditors
Sectioná144Termination of the contract by the policyholder
Sectioná145Assignment of the mortgage
Sectioná146Duty of the insurer to provide confirmation and disclose information
Sectioná147Change of mortgage creditor's address and name
Sectioná148Other charges on real property
Sectioná149Owner's charges on real property
Chapter 5
Life insurance
Sectioná150Insured person
Sectioná151Medical examination
Sectioná152Revocation by the policyholder
Sectioná153Surplus sharing
Sectioná154Model calculation
Sectioná155Annual information
Sectioná156Knowledge and conduct of the insured person
Sectioná157Declaring incorrect age
Sectioná158Change in risk
Sectioná159Appointment of beneficiary
Sectioná160Interpretation of the appointment of beneficiary
Sectioná162Killing by the beneficiary
Sectioná163Change in premium and benefits payable
Sectioná164Adjustment of the terms
Sectioná165Fully paid-up insurance
Sectioná166Termination of the contract by the insurer
Sectioná167Conversion to qualify for exemption from attachment
Sectioná168Termination of the contract by the policyholder
Sectioná169Surrender value
Sectioná170Right of subrogation
Sectioná171Deviating agreements
Chapter 6
Occupational disability insurance
Sectioná172Insurer's liability
Sectioná174Release from liability
Sectioná175Deviating agreements
Sectioná176Applicable provisions
Sectioná177Similar contracts of insurance
Chapter 7
Accident insurance
Sectioná178Insurer's liability
Sectioná179Insured person
Sectioná181Aggravation of risk
Sectioná182Contributory causes
Sectioná183Causing the insured event
Sectioná184Loss avoidance and minimisation
Sectioná185Appointment of beneficiary
Sectioná186Insurer's duty to provide information
Sectioná188Re-assessment of invalidity
Sectioná189Drawing on an expert, costs of ascertaining the loss
Sectioná190Compulsory insurance
Sectioná191Deviating agreements
Chapter 8
Health insurance
Sectioná192Typical obligations incumbent on the insurer
Sectioná193Insured person; obligatory insurance
Sectioná194Applicable provisions
Sectioná195Period of insurance
Sectioná196Time limit on daily sickness allowance insurance
Sectioná197Qualifying periods
Sectioná198Supplementary insurance for children
Sectioná199Public servants entitled to sickness allowance
Sectioná200Prohibition of enrichment
Sectioná201Causing an insured event
Sectioná202Insurer's duty to provide information; costs of ascertaining the loss
Sectioná203Adjustment of premium and conditions
Sectioná204Change of tariff
Sectioná205Termination of the contract by the policyholder
Sectioná206Termination by the insurer
Sectioná207Continuation of the insurance agreement
Sectioná208Deviating agreements
Part 3
Concluding provisions
Sectioná209Reinsurance, maritime insurance
Sectioná210Jumbo risks, open policy
Sectioná211Pension funds, small insurance associations, insurances with small contributions
Sectioná212Continuation of life insurance after parental leave
Sectioná213Acquiring personal health-related data from third parties
Sectioná214Conciliation board
Sectioná215Place of jurisdiction
Sectioná216Derivative right of action with a majority of insurers
Annex (re sectioná8 subsectioná(5), sentence 1)