Important Information for the Insurance Contract by pdl20154


									                                                                                                   WÜRZBURGER VERSICHERUNGS-AG

                                                                                                   Important Information
                                                                                                   for the Insurance Contract

             Identity of the insurer                                                             insurance policy. The contract becomes legally valid upon the aquisition of
             Insurer is                                                                          the insurance policy.
             Würzburger Versicherungs-AG,                                                        The insurance policy begins with the payment of the premium (first
             Registered address of the company: Würzburg                                         premium), although not before the set date of the beginning of insu-
                                                                                                 rance. Should the first premium not be paid on time but instead paid
             Commercial registry: Amtsgericht Würzburg HRB 3500                                  at a later date, the insurance policy becomes valid at this point in time.
             Contact address and authorized representative of the Insurer                        This does not apply if it is able to be proved that the failure to pay, or the
                                                                                                 late obtainment of payment, was not the fault of the insurance receiver.
             Würzburger Versicherungs-AG
                                                                                                 The insurance receiver is bound to the application by two weeks (applica-
             Bahnhofstraße 11, D-97070 Würzburg
                                                                                                 tion binding period).
             Represented by the Board:
             Dr. Klaus Dimmer (Director), Timo Hertweck                                          Right to cancellation
             Primary activity of the insurer and supervisory authority                           The buyer can cancel his contract without statements of reasons in text form
                                                                                                 (letter, telefax, e-mail) within two weeks. The period begins at the moment,
             The primary activity of the Wurzburger Versicherungs-AG is specialization
                                                                                                 from which the insurance receiver‘s insurance policy, the contractual terms
             in travel-, liability-, accident-, and property insurance for private households.
                                                                                                 including the general terms and conditions, the contract information in
             The supervisory authority is:
                                                                                                 accordance with § 7 of the Insurance Contract Act as well as the orderly
             The Federal Financial Supervisory Authority (BaFin)
                                                                                                 instructions regarding the right to cancellation and the legal consequences
             Graurheindorfer Straße 108, D-53117 Bonn
                                                                                                 have been received. For the ensuring of the revocation period it is necessary
             Phone: +49 (0)228 41080, Fax: +49 (0)228 4108 1550
                                                                                                 that the cancellation is sent off in due time. Cancellation requests should
                                                                                                 be directed to Würzburger Versicherungs-AG, Bahnhofstraße 11, D-97070
             Guarentee funds or other compensation schemes                                       Würzburg, telefax +49 (0)931 2795 291, e-mail:
             Do not apply to Wurzburger Versicherungs-AG                                         Following cancellation
             Contract Basis                                                                      In the event of an effective revocation, the insurance policy is terminated
             The basis of the insurance contract is the application, insurance policy and        and the payments will be returned. The insurance contract will automatical-
             possible supplements. Its validity depends on the extent of coverage, the           ly be extended for one year if neither the insurance receiver nor the insurer
             general terms and conditions, special provisions and additional conditi-            receives confirmation of cancellation in written form at least three months
             ons to the corresponding product, as well as potentially with the agree-            before the expiration of coverage on the particular insurance year. Unless
             ments met by the insurance receiver and legal requirements. Applicable to           otherwise agreed that, upon the expiration of the set validity period of the
             the scope of validity of the conditions is the selected extent of coverage          contract, the contract ends.
             requested, insurance policy and possible supplements.                               Specifics regarding the time period and ending of the contract can be found
             Specifics regarding the contract basis can be found in the product informa-         in the product information sheet.
             tion sheet.                                                                         Place of jurisdiction
             Essential features of service                                                       German law is applicable for the contractual relations. Complaints can be
             The type of benefits received are dependant upon the application and the            filed against the Würzburger Versicherungs-AG either in Würzburg, or in the
             insurance policy. Compensation will be paid only after the grounds for,             area of where, at the time the complaint was filed, the place of residency or a
             and the level of the services covered by Würzburger Versicherungs-AG are            habitual residency was located.
             determined. The compensation payment shall be paid thereafter within 2              Language
             weeks. Specifics regarding the insured benefits can be found in the product
                                                                                                 The representative language for all legal proceedings and communications
             information sheet.
                                                                                                 during the contractual validity period is German.
             Total price and components of cost
                                                                                                 Out-of-court settlements and complaints procedure
             The total price to be paid is determined by the extent of coverage under
                                                                                                 Our insurance company is a member of the Versicherungsombudsmann
             the selected the insurance policy, as drawn from the application. The cost
                                                                                                 e.V. (The Insurance Ombudsman). The insurance receiver can therefore raise
             includes insurance tax as well and additional fees from incremental pay-
                                                                                                 claims on the free and out-of-court settlements in the event of dissatis-
             ments should it be applicable. Specifics regarding the price and its compo-
                                                                                                 faction regarding the decisions met by the insurer. Attempts at conciliation
             nents can be found in the product information sheet.
                                                                                                 and greivances can be directed to the mediation and complaints authority:
             No further taxes or costs will be required apart from the possibility of
                                                                                                 Versicherungsombudsmann e.V.
             overdue fines, as well as the potential costs associated with the failure to
                                                                                                 Postfach 08 06 32, D-10006 Berlin
             honor an automatic payment withdrawal agreement despite allotted order
                                                                                                 Phone: +49 (0)30 206058 0
             for the deductions.
                                                                                                 Fax: +49 (0)30 206058 58
             If the insured party calls, or sends a fax or e-mail, so apply the rates deter-
             mined by their mobile operator or telecommunications provider.
                                                                                                 Further information can be found on the internet under:
             Details of payment and fulfillment                                        
             The first or non-recurring payment, independent of the existence of a right         The possibility to take legal action remains unaffected hereof. When the
             to withdrawal, is due immediately upon the completion of the insurance              insurance receiver is not in agreement with decisions of the insurer, or holds
             contract, although not before the official commencement of the insurance            differences of opinion regarding the execution of the contract, it is possible
             as mentioned in the individual policy. All further payments (subsequent             to contact the above mentioned supervisory authority.
             payments) are to be paid respective to the agreed due date.
             Time limitations and validity period of provided information
             The validity period of the provided information does not expire.
             Commencement of the contract, beginning of the insurance policy,
             extent of the binding period following application
                                                                                                 Würzburger Versicherungs-AG | Bahnhofstraße 11 | D-97070 Würzburg
             The insurance contract comes about through two mutual declarations of               Phone +49 (0)9 31 . 27 95-0 | Fax +49 (0)931 . 27 95 291
             intent. The insurance receiver‘s declaration of intent is the application or, if    Registered address of the company: Würzburg, Amtsgericht Würzburg HRB 3500
WI-E 01.10

             the contract in way of the Distance Selling Act comes about, the contract           Supervisory Board Chairman: Prof. Dr. Ronald Frohne
             explanation concerning this matter; the insurer‘s declaration of intent is the      Board: Dr. Klaus Dimmer (Director), Timo Hertweck

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