SpeedSurance - Innovative TIPS:

These additional packages are intended as information for you and represent an extract of the possibilities of our insurance partners VAV and Wiener Städtische Versicherung.

For more details you can contact me by email, chat or phone.

Household / home product

ADVANCED PREMIUM Dangers (Subsidiary Coverage) -

In the case of home insurance including household insurance, you will find the two below

Cover modules for building and household insurance in combination Application:

Additional insurance protection for fire insurance

· Up to the fire insurance sum of the insured buildings
- Explosion damage from weapons (unexploded ordnance) from ended wars;

· Up to a total of EUR 10,000, - including all costs per insurance period *) for all damage from the following dangers:

  • - damage caused by smoke and soot,

  • - Damage caused by marten bites and other wild rodents on electrical systems and cables on the insurance property

  • - Damage caused by malicious damage (including graffiti) on the outer walls of the insured building

  • - Damage caused by internal unrest on the insured buildings

Additional insurance cover for household insurance (subsidiary coverage):

· Up to the household insurance sum
- Explosion damage from weapons (unexploded ordnance) from ended wars;

· Up to a maximum of EUR 10,000, - including all costs per insurance period *) for all damage from the following dangers:

  • - damage caused by smoke and soot,

  • - damage caused by the energy of the electric current,

  • - damage to electricity, water or gas lines caused by do-it-yourself activities,

  • - Damage caused by unforeseen suddenly and from outside with mechanical force

  • - Acting events on insured property contents

The following are not insured:

Damages that are insured according to the General Conditions for Household Insurance (ABH) and the Special Conditions of the Contract.
Damage to electronic mobile devices such as cell phones, laptops, tablets, cameras, game consoles and the like.

Damage to glasses, porcelain, glass and glassware of all kinds. This also applies if these things are made of glass-like plastics such as plexi or acrylic glass.

Damage to antiques and art objects

Damage to play and sports equipment during use.

Damage caused by working or processing (except cleaning work).

Damage caused by animals and on animals of all kinds.

Damage caused by persons other than the policyholder or people living in the same household.

Insignificant changes to the insured items or impairments without affecting the usability, functionality or useful life of the insured items (e.g. scratching, scratching, chipping on the surface) are not considered damage in the sense of these conditions.

  • · In each case of damage, the policyholder has to pay a deductible of EUR 200. Damage up to the agreed deductible is therefore not covered by the insurance cover.
    Other deductibles specified in this contract do not apply.

Is from both building insurance and household insurance for one and the same

If the damage event is compensated, the deductible is deducted only once.

  • · The insurance protection of the additional agreements in question applies on a subsidiary basis, i.e.

unless and unless compensation can be claimed from another insurance company.

  • · Termination option
    The contractual agreement in question can be terminated in writing by both contracting parties with a one-month notice period annually at the end of an insurance period of the insurance contract. The termination of this additional agreement does not entitle you to terminate the household or home insurance contract or a part thereof.

*) Insurance period: The key date for the start and end of an insurance period is the main due date of the contract.

Guide premium for both cover modules approx. € 150.00 pa

Indicative premium for contracts without a household division approx. € 70.00 pa