Question 1

What is an Insurance Declaration Form

Accepted Answer

The Insurance Declaration Form (Versicherungserklärung) is a crucial document in the German insurance industry, required whenever an individual or organization seeks to establish new insurance coverage. This document, governed by German insurance law, particularly the Versicherungsvertragsgesetz (VVG), serves as the primary means of collecting and documenting essential information about the policyholder and the risks to be insured. The form must comply with strict German regulatory requirements, including GDPR data protection standards, and typically includes detailed sections for risk disclosure, premium calculations, and specific declarations required by law. It forms the basis for the insurer's risk assessment and the subsequent insurance contract, making accuracy and completeness of information crucial for valid coverage.

Question 2

What sections should be included in an Insurance Declaration Form

Accepted Answer

1. Personal/Business Information: Basic information about the policyholder including full name/business name, address, contact details, and identification numbers. 2. Insurance Coverage Details: Specific information about the type of insurance, coverage amount, and period of insurance. 3. Risk Declaration: Mandatory disclosure of relevant risks and circumstances that could affect the insurance contract. 4. Previous Insurance History: Declaration of previous insurance relationships, claims history, and any coverage cancellations. 5. Payment Information: Details about premium payment method, frequency, and banking information. 6. Privacy Notice and Consent: GDPR-compliant privacy notice and consent for data processing. 7. Declarations and Signatures: Final declarations of truth and accuracy, with date and signature fields.

Question 3

What sections are optional to include in an Insurance Declaration Form

Accepted Answer

1. Health Questions: For health insurance: detailed health-related questions and medical history. 2. Property Details: For property insurance: detailed description of property, security measures, and value assessment. 3. Business Operations: For commercial insurance: description of business activities, employees, and turnover. 4. Vehicle Information: For auto insurance: vehicle details, usage patterns, and driver information. 5. Travel Details: For travel insurance: trip information, destinations, and duration. 6. Additional Insured Persons: For family or group policies: information about additional persons to be covered.

Question 4

What schedules should be included in an Insurance Declaration Form

Accepted Answer

1. Schedule A - Coverage Details: Detailed breakdown of coverage limits, deductibles, and specific conditions. 2. Schedule B - Premium Calculation: Detailed calculation of premiums including all factors and adjustments. 3. Schedule C - Risk Assessment: Detailed risk assessment documentation and classifications. 4. Appendix 1 - Supporting Documents Checklist: List of required supporting documents (e.g., ID copies, property photos, medical reports). 5. Appendix 2 - Terms and Conditions: Standard insurance terms and conditions applicable to the policy. 6. Appendix 3 - Information Sheet: Product information sheet (Produktinformationsblatt) as required by German insurance law.

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