I have a Haftpflichtversicherung policy issued by AXA which includes coverage for up to 1,000,000€ for "Mietsachschäden" with no deductible.
I have just moved out of a furnished apartment, and the landlord maintains I damaged the bedframe and must pay 200€ for its replacement (claims it can't be repaired).
I filed a claim with AXA, but they have denied it, saying that furniture is excluded. I read the contract, however, and can't find any such exclusion (exclusions for electronics, hot water heaters, etc. are listed, but nothing for furniture). When pressed, an AXA claims rep said that the insurance only provides coverage for damage to the "Wohnräume". I can't find a specific definition of Wohnräume anywhere.
This is my very first liability insurance claim, and I'm very frustrated to be treated this way. I thought I was covered for things like this.
I've faxed in my objection to this denial, but would appreciate any info/suggestions. Specifically, something which defines "Wohnräume" in the context of the law/insurance would be helpful.
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Haftpflichtversicherung and coverage terms
AXA denied claim for rental apartment damage
Exclusion of damage to stuff that you rent / lease / borrow etc?
No. I have specific coverage for Mietsachschäden, and borrowed items are also insured, though at a different limit.
I rented a furnished apartment and the furniture is included in the rental contract as constituents in the "Mietobjekte".
I rented a furnished apartment and the furniture is included in the rental contract as constituents in the "Mietobjekte".
They have to cover it.the last apartment i lived in i broke the toilet seat,and the shower head on the day i was leaving.Do not ask how.I received a bill off the landlord ,well actually he took it off my Kaution.Passed the bill on to my Haftpflichtversicherung and they paid me out.Haftpflicht is for any damages incurred to someone elses property so they have to pay.
That's my position, too. I wish you were working for AXA.
Get your policy out and have a good look through it with a german speaking person.As far as i know you should be covered.Mieträume is the place you are living in.Get a bill off your landlord for the damage and pass it on to the insurance.They will then fight it out with the landlord for you.
While I don't want to take up the cudgel for AXA here, it could well be that they understand the problem from the bedframe as "usual wear and tear" and not a concrete damage through an act of neglegence or accident as the cause of the damage. This could explain the overall exception of furniture from "Mietsachschäden". AXA usually has a good reputation for claims settlements, actually, that's why I am surprised of them denying a claim. It might indeed help if you get some German to talk on your behalf with the insurance guys to see if there is some form of misunderstanding there at this point of time...
Cheerio
Cheerio
This is a legal definition I found which applies appearantly to all 3rd party liabilty insurances. According to it, AXA will not have to pay for the furniture at all.... sorry about the bad news, highered.
Cheerio
QUOTE
Mietsachschäden
Schäden an gemieteten Sachen sind nach den AHB ausgeschlossen. In der Privathaftpflicht-versicherung sind diese Schäden jedoch eingeschlossen, sofern es sich um die Beschädigung der gemieteten Wohnräume handelt.
Hierzu gehören auch die mit den Wohnräumen fest verbundenen Gegenstände, wie Einbau-schränke, Badewannen, Waschbecken und Parkettfußböden.
In der Grunddeckung sind Mietsachschäden bis 150 000 EUR, in der Komfortdeckung bis zur vertraglich vereinbarten Versicherungssumme versichert.
Nicht versichert sind allerdings solche Schäden, die auf Abnutzung, Verschleiß oder übermäßige Beanspruchung zurückzuführen sind sowie Schäden an Heizungs-, Maschinen-, Kessel- und Warmwasseraufbereitungsanlagen und an Elektro- und Gasgeräten.
Schäden an gemieteten Sachen sind nach den AHB ausgeschlossen. In der Privathaftpflicht-versicherung sind diese Schäden jedoch eingeschlossen, sofern es sich um die Beschädigung der gemieteten Wohnräume handelt.
Hierzu gehören auch die mit den Wohnräumen fest verbundenen Gegenstände, wie Einbau-schränke, Badewannen, Waschbecken und Parkettfußböden.
In der Grunddeckung sind Mietsachschäden bis 150 000 EUR, in der Komfortdeckung bis zur vertraglich vereinbarten Versicherungssumme versichert.
Nicht versichert sind allerdings solche Schäden, die auf Abnutzung, Verschleiß oder übermäßige Beanspruchung zurückzuführen sind sowie Schäden an Heizungs-, Maschinen-, Kessel- und Warmwasseraufbereitungsanlagen und an Elektro- und Gasgeräten.
Cheerio
Also found a court decision but it was on carpets.Anything more than 7 years old the landlord has problems claiming back off you.Ask the landlord how old the bed is.
As Starshollow's quote shows, a general rule of thumb is that if the object is a fixed part of the flat, it's covered, if it's a movable item of furniture it's not covered by the insurance.
A related question:
My landlord is claiming I must pay not only the replacement cost of the bed frame, but also the delivery cost and the disposal costs of the old bed frame.
Is this the case? Or is one only responsible for the depreciated value of the item or the replacement cost of the item itself?
My landlord is claiming I must pay not only the replacement cost of the bed frame, but also the delivery cost and the disposal costs of the old bed frame.
Is this the case? Or is one only responsible for the depreciated value of the item or the replacement cost of the item itself?
Why don't you replace it yourself?
Because I moved out and am out of the country right now.
the question is what your lease contract says about it. I just checked some "Muster-Vermietverträge für möblierte Wohnungen" and found there regulations for two things:
a) you do have normally to replace the furniture with something of about the same quality and status of wear-and-tear. Therefore you should not be liable for the new price
transport cost can indeed be charged to you if the contract states it
so it all comes down to see what your contract mentions with regards to this.
Cheerio
Pat
a) you do have normally to replace the furniture with something of about the same quality and status of wear-and-tear. Therefore you should not be liable for the new price
transport cost can indeed be charged to you if the contract states it
transport cost can indeed be charged to you if the contract states itso it all comes down to see what your contract mentions with regards to this.
Cheerio
Pat
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