02/02/2020 – Brokers do not have to disclose to their new customers until March whether they invest in investment products according to ESG (Environment, Social, Governance) criteria. Sustainability is not limited to capital investments – in addition to your own business, this can also apply to products. This is the case if, in the event of a claim, an expensive repair is paid for instead of a replacement.
The underwriter Domcura AG has added the “sustainability” component to its single-family home concept. Among other things, it is intended to completely offset climate-damaging CO2 emissions after a fire. The group of companies carries the risk the Bavarian.
Sustainable for owners of single-family homes
Additional services of up to 25 percent of the replacement value (maximum 50,000 euros) will be reimbursed if the damage is repaired with sustainable materials and energy-efficient solutions. An example is the replacement of a damaged plastic floor with wood.
For example, trees are planted to compensate for the CO2 released in the event of a fire to compensate for the resulting climate damage. In the course of a restoration, advice on sustainable technology will be subsidized with up to 500 euros. There is also an energy advice grant of up to 325 euros.
The investments related to the Domcura offer are consistently invested in the Bayerische’s Pangea-Life-Fonds. This invests according to ecological, ethical and social criteria. One focus is on investment projects for the production of renewable energies.
Special rates for inconspicuous customers
The broker association MiBB insurance broker in Berlin Brandenburg UG offers customers who have been claim-free for at least five years a special rate for home insurance. This includes a guarantee of best performance and a guarantee as well as an innovation clause.
Contribution increases after damage are excluded. Damage caused by gross negligence is fully insured. In the event of unemployment, customers are exempt from paying contributions for up to one year.
The special benefits include, among other things, the co-insurance of theft from a vehicle, unlimited coverage in the event of telephone abuse and the inclusion of sports equipment outdoors, even without limitation.
Insurance protection especially for e-vehicles
The Mercedes-Benz Bank AG is now offering together with the Kravag-Logistic Insurance-AG Insurance coverage specifically for electric vans. The fully comprehensive insurance includes, among other things, additional protection for induction charging plates, charging cables and wall charging stations, disposal costs for the battery and reimbursement for the new price for the vehicle and battery.
The scope of insurance also includes components of classic van insurance such as protection against braking, operational and breakage damage as well as superstructures.
The “eVan insurance” is available for “eSprinter”, “eVito” and in future for the “EQV” for both private and commercial customers. It can be concluded either independently when purchasing a vehicle or in combination with a leasing or financing contract.
The tariff is neither limited in kilometers nor tied to a specific group of drivers. A 15 percent discount is granted on the insurance premium. The discount campaign will initially run until June 30, 2021. The vehicle insurance for electric and plug-in hybrid cars automatically includes the “electrical protection” module, which includes specific additional services for electric vehicles.
Monthly or one-off accident protection
The “Accident Protection Vario” of Insurance Chamber of Bavaria (VKB), in the event of a claim, the customer can choose between a monthly accident pension and a one-off lump-sum payment. Accident insurance is also available with premium repayment (UBR).
For lump-sum benefits in the event of disability, sums insured between EUR 10,000 and EUR 3,000,000 can be agreed. The pension amount can be between 100 euros and 4,000 euros per month. Benefits are paid from a degree of disability of 30, 50 or 90 percent for life or up to the age of 67.
The protection also includes immediate benefits after accident-related injuries as well as reimbursement of costs for psychological care up to 2,000 euros after an accident. Payments are also made to cover rescue costs and cosmetic surgery costs up to 100,000 euros each and accident-related dental treatment and denture costs up to 20,000 euros.
Insured with each other
The “CHARTA Special Policy PHV” was supplemented by innovations such as the market guarantee, the co-insurance of property damage to insured persons among each other or by car passengers. The policy of Charter Stock Exchange for Insurance AG also covers legal protection in the context of bad debt coverage. Existing customers receive all coverage extensions automatically.
The risk taker is AIG Europe SA, Directorate for Germany. A permanent customer discount is granted for the revised special policy. The premiums for singles and seniors have fallen in all tariff variants. In the pet owner’s liability insurance, the premiums for the first dog have been reduced.
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