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VVG (EN) 🇩🇪

VVG-EN · 223 sections

Part 1
General part▸

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 6aDetails 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 7dSection 7d Section 8Policyholder’s right of revocation; authorisation to issue statutory ordinances Section 9Legal consequences of revocation Section 10Beginning 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 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 31The policyholder’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

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 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

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 multiple insurance Section 80Lack of insured interest Section 81Causing the insured event Section 82Loss avoidance and minimisation Section 83Reimbursement of expenses Section 84Consulting 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 items 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 subsequent to a sale Section 97Disclosure of the sale Section 98Protection afforded to the buyer Section 99Foreclosure, acquisition of the right of use

Part 2
Individual classes of 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 vis-à-vis 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 Section 125Insurer’s liability Section 126Claims processing company Section 127Freedom of choice of lawyer Section 128Procedure for calling in an 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 vis-à-vis 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 189Consulting 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, insurance policies 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

Part 1 · General part › Division 1 · General provisions › Section 7d

Section 7d

(repealed)

← Previous Section 7c Assessment of insurance-based investment products; reporting requirement Next → Section 8 Policyholder’s right of revocation; authorisation to issue statutory ordinances

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EU legislation sourced from the Official Journal of the European Union via EUR-Lex; German federal statutes sourced from gesetze-im-internet.de (Bundesministerium der Justiz / Bundesamt für Justiz). eucite is an independent reference index, not an official publication of either — always confirm against the official source for legal purposes.

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