Übersetzung durch Ute Reusch. Laufende Aktualisierung der Übersetzung durch Neil Mussett.
Translation provided by Ute Reusch. Translation regularly updated by Neil Mussett.
Stand: Die Übersetzung berücksichtigt die Änderung(en) des Gesetzes durch Artikel 17 des Gesetzes vom 22. Februar 2023 (BGBl. 2023 I Nr. 51).
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 17 of the Act of 22 February 2023 (Federal Law Gazette 2023 I No. 51).
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 Übersetzung lesen Sie bitte den Hinweis unter "Translations".
For conditions governing use of this translation, please see the information provided under "Translations".
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Part 1
General part |
Chapter 1
Provisions applying to all classes of insurance |
Division 1
General provisions |
| Section 1Typical obligations |
| Section 1aDistribution activities of the insurer |
| Section 2Retroactive insurance |
| Section 3Insurance policy |
| Section 4Insurance policy issued in the name of the holder |
| Section 5Deviating insurance policy |
| Section 6Advising the policyholder |
| Section 6a Details concerning the provision of information |
| Section 7Information provided to the policyholder; authorisation to issue statutory ordinance |
| Section 7aCross-selling |
| Section 7bInformation to be provided in the case of insurance-based investment products |
| Section 7cAssessment of insurance-based investment products; reporting requirement |
| Section 7dAdvice, information and cancellation for specific group insurance policies |
| Section 8Policyholder's right of revocation; authorisation to issue statutory ordinances |
| Section 9Legal consequences of revocation |
| Section 10Commencement and expiry of insurance |
| Section 11Renewal, termination of the contract |
| Section 12Period of insurance |
| Section 13Change of address and name |
| Section 14Due date of cash benefit |
| Section 15Suspension of limitation period |
| Section 16Insurer's insolvency |
| Section 17Prohibition of assignment of things exempt from seizure |
| Section 18Deviating agreements |
Division 2
Duty of disclosure, aggravation of risk, other incidental obligations |
| Section 19Duty of disclosure |
| Section 20Policyholder's representative |
| Section 21Exercising of the insurer's rights |
| Section 22Fraudulent misrepresentation |
| Section 23Aggravation of risk |
| Section 24Termination of the contract due to aggravation of the risk insured |
| Section 25Increase in insurance premium due to aggravation of risk |
| Section 26Release from liability due to aggravation of risk |
| Section 27Immaterial aggravation of risk |
| Section 28Non-observance of an incidental obligation |
| Section 29Partial withdrawal, partial termination, partial release from liability |
| Section 30Notification of the occurrence of the insured event |
| Section 31Policyholder's duty to disclose information |
| Section 32Deviating agreements |
Division 3
Premium |
| Section 33Due date |
| Section 34Payment by a third party |
| Section 35Offsetting by the insurer |
| Section 36Place of performance |
| Section 37Delayed payment of first insurance premium |
| Section 38Delayed payment of subsequent premium |
| Section 39Termination of the contract before the agreed date |
| Section 40Termination on account of increase in premium |
| Section 41Reduction of the premium |
| Section 42Deviating agreements |
Division 4
Insurance for the account of a third party |
| Section 43Definitions |
| Section 44Rights of the insured person |
| Section 45Rights of the policyholder |
| Section 46Rights between the policyholder and the insured person |
| Section 47Knowledge and conduct of the insured person |
| Section 48Insurance for the account of "whom it may concern" |
Division 5
Provisional cover |
| Section 49Content of the contract |
| Section 50Non-formation of the main contract |
| Section 51Payment of the premium |
| Section 52Termination of the contract |
Division 6
Open policy |
| Section 53Duty to give notice |
| Section 54Breach of the duty to give notice |
| Section 55Individual policy |
| Section 56Breach of the duty of disclosure |
| Section 57Change in risk insured |
| Section 58Non-observance of an incidental obligation |
Division 7
Insurance intermediaries, insurance advisers |
Subdivision 1
Duties to notify and advise |
| Section 59Definitions |
| Section 60Basis on which insurance intermediary provides advice |
| Section 61Insurance intermediary's duties of advice and documentation |
| Section 62Time and form of the information |
| Section 63Obligation to pay damages |
| Section 64Securing payment to the policyholder's benefit |
| Section 65Jumbo risk |
| Section 66Other exceptions |
| Section 67Deviating agreements |
| Section 68Insurance advisers |
Subdivision 2
Power of agency |
| Section 69Statutory power of attorney |
| Section 70Knowledge of the insurance agent |
| Section 71Authorisation to acquire contracts |
| Section 72Restriction of the power of agency |
| Section 73Employees and intermediaries not working on a commercial basis |
Chapter 2
Indemnity insurance |
Division 1
General provisions |
| Section 74Overinsurance |
| Section 75Underinsurance |
| Section 76Agreed value |
| Section 77Several insurers |
| Section 78Liability in the case of multiple insurance |
| Section 79Elimination of the multiple insurance |
| Section 80Lack of insured interest |
| Section 81Causing the insured event |
| Section 82Loss avoidance and minimisation |
| Section 83Reimbursement of expenses |
| Section 84Drawing on an expert |
| Section 85Costs of establishing the loss |
| Section 86Assignment of claims |
| Section 87Deviating agreements |
Division 2
Property insurance |
| Section 88Insurable value |
| Section 89Insurance for an aggregate of things |
| Section 90Extended reimbursement of expenses |
| Section 91Interest on compensation |
| Section 92Termination of the contract after an insured event |
| Section 93Replacement clause |
| Section 94Effectiveness of payment vis-à-vis mortgage creditors |
| Section 95Sale of the insured object |
| Section 96Termination of the contract after a sale |
| Section 97Disclosure of the sale |
| Section 98Protection afforded the buyer |
| Section 99Foreclosure, acquisition of the right of use |
Part 2
Individual classes of insurance |
Chapter 1
Liability insurance |
Division 1
General provisions |
| Section 100Insurer's liability |
| Section 101Legal protection costs |
| Section 102Employer's liability insurance |
| Section 103Causing the insured event |
| Section 104Policyholder's duty of disclosure |
| Section 105Acknowledgement by the policyholder |
| Section 106Due date for performance |
| Section 107Entitlement to a pension |
| Section 108Right of recourse provision |
| Section 109Several injured parties |
| Section 110Policyholder's insolvency |
| Section 111Termination of the contract after an insured event |
| Section 112Deviating agreements |
Division 2
Compulsory insurance |
| Section 113Compulsory insurance |
| Section 114Scope of the insurance cover |
| Section 115Direct claim |
| Section 116Joint and several debtors |
| Section 117Liability towards third parties |
| Section 118Order of precedence of several claims |
| Section 119Third party's incidental obligations |
| Section 120Non-observance of an incidental obligation by the third party |
| Section 121Offsetting against third parties |
| Section 122Sale of the insured object |
| Section 123Recourse in the case of several insured parties |
| Section 124Extent of legal force |
Chapter 2
Legal expenses insurance |
| Section 125Insurer's liability |
| Section 126Claims processing company |
| Section 127Freedom of choice of lawyer |
| Section 128Procedure for calling in expert opinion |
| Section 129Deviating agreements |
Chapter 3
Transport insurance |
| Section 130Extent of risk accepted |
| Section 131Breach of the duty of disclosure |
| Section 132Change of risk insured |
| Section 133Transportation in breach of contract |
| Section 134Unsuitable means of transport |
| Section 135Reimbursement of expenses |
| Section 136Insurable value |
| Section 137Causing an insured event |
| Section 138Exclusion of liability for ships |
| Section 139Sale of the insured object or goods |
| Section 140Sale of the insured ship |
| Section 141Release following payment of the sum insured |
Chapter 4
Building fire insurance |
| Section 142Disclosures to mortgage creditors |
| Section 143Continuation of liability towards mortgage creditors |
| Section 144Termination of the contract by the policyholder |
| Section 145Assignment of the mortgage |
| Section 146Duty of the insurer to provide confirmation and disclose information |
| Section 147Change of mortgage creditor's address and name |
| Section 148Other charges on real property |
| Section 149Owner's charges on real property |
Chapter 5
Life insurance |
| Section 150Insured person |
| Section 151Medical examination |
| Section 152Revocation by the policyholder |
| Section 153Surplus sharing |
| Section 154Model calculation |
| Section 155Balance notification |
| Section 156Knowledge and conduct of the insured person |
| Section 157Declaring incorrect age |
| Section 158Change in risk |
| Section 159Appointment of beneficiary |
| Section 160Interpretation of the appointment of beneficiary |
| Section 161Suicide |
| Section 162Killing by the beneficiary |
| Section 163Change in premium and benefits payable |
| Section 164Adjustment of the terms |
| Section 165Fully paid-up insurance |
| Section 166Termination of the contract by the insurer |
| Section 167Conversion to qualify for exemption from attachment |
| Section 168Termination of the contract by the policyholder |
| Section 169Surrender value |
| Section 170Right of subrogation |
| Section 171Deviating agreements |
Chapter 6
Occupational disability insurance |
| Section 172Insurer's liability |
| Section 173Acknowledgement |
| Section 174Release from liability |
| Section 175Deviating agreements |
| Section 176Applicable provisions |
| Section 177Similar contracts of insurance |
Chapter 7
Accident insurance |
| Section 178Insurer's liability |
| Section 179Insured person |
| Section 180Invalidity |
| Section 181Aggravation of risk |
| Section 182Contributory causes |
| Section 183Causing the insured event |
| Section 184Loss avoidance and minimisation |
| Section 185Appointment of beneficiary |
| Section 186Insurer's duty to provide information |
| Section 187Acknowledgement |
| Section 188Re-assessment of invalidity |
| Section 189Drawing on an expert, costs of ascertaining the loss |
| Section 190Compulsory insurance |
| Section 191Deviating agreements |
Chapter 8
Health insurance |
| Section 192Typical obligations incumbent on the insurer |
| Section 193Insured person; obligatory insurance |
| Section 194Applicable provisions |
| Section 195Period of insurance |
| Section 196Time limit on daily sickness allowance insurance |
| Section 197Qualifying periods |
| Section 198Supplementary insurance for children |
| Section 199Public servants entitled to sickness allowance |
| Section 200Prohibition of enrichment |
| Section 201Causing an insured event |
| Section 202Insurer's duty to provide information; costs of ascertaining the loss |
| Section 203Adjustment of premium and conditions |
| Section 204Change of tariff |
| Section 205Termination of the contract by the policyholder |
| Section 206Termination by the insurer |
| Section 207Continuation of the insurance agreement |
| Section 208Deviating agreements |
Part 3
Concluding provisions |
| Section 209Reinsurance, maritime insurance |
| Section 210Jumbo risks, open policy |
| Section 210aElectronic transport insurance policy document |
| Section 211Pension funds, small insurance associations, insurances with small contributions |
| Section 212Continuation of life insurance after parental leave |
| Section 213Acquiring personal health-related data from third parties |
| Section 214Conciliation board |
| Section 215Place of jurisdiction |
| Section 216Derivative right of action with a majority of insurers |
Annex (re section 8 (4), first sentence)
Model notice regarding revocation |
