Smoke detectors have been mandatory in newly built houses for a good four years. In the meantime, old apartments also have to be retrofitted with it. If the house burns down, the question arises as to whether the insurer will pay for the damage, even if there is no smoke detector in the room. Here are the answers quoted that broker Frank Dufeu collected and delivered for the insurance messenger.
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Asspario Insurance service, underwriting agent in Bad Kreuznach (pays):
"We pay regardless of whether a smoke detector is installed or not. Anything else would be petty. We have also calculated accordingly. For our customers," says Asspario boss Holger Koppius. "Smoke alarms save lives!"
Interlloyd (pays):
"Interlloyd also provides insurance cover in the event of a breach of the smoke detector obligation.
The lack of a smoke detector in living areas, despite new legal requirements in many federal states, has no effect on insurance cover with Interlloyd in residential building and household contents insurance, because smoke detectors are primarily used to protect people. They are less suitable for preventing a fire or property damage. Therefore, we also offer full insurance cover in the event of a breach of this smoke detector obligation.”
Concept and marketing, underwriting agent in Hanover (pays):
"In the event of a breach of the smoke detector obligation, we waive the objection of grossly negligent or even intentional breach of obligation and will otherwise regulate in accordance with the conditions."
VHV insurance (pays):
“Smoke alarms cannot prevent a fire! Without exception, the devices serve to protect people and not to protect property. Therefore, the lack of a smoke alarm device at the VHV has no effect on insurance cover – despite legal requirements in many federal states.”
Ergo (performance unclear):
"We refer to the obligation to install the smoke detector and do not rule out the loss of insurance cover!"
Update 01/13/2017: Screenshot Ergo homepage
Domcura (performance unclear):
"If the installation of smoke detectors is officially prescribed (e.g. in a rented apartment), but the policyholder, if he is the owner of the house, does not comply with this requirement, this is a breach of duty that can lead to a reduction in the event of a claim . If there are no requirements on the part of the authorities, there does not have to be a smoke detector.
GVO insurance Oldenburg (pays):
"A possible violation of the smoke detector obligation will not jeopardize the insurance cover with the GVO. In this respect, the GVO will not invoke violations of obligations due to a lack of smoke detectors in the future and will therefore not restrict services to the insured person."
Nuremberg
Importance for insurance protection: In most cases, investigating authorities are involved in investigating a fire with personal injury. If it turns out that there was no smoke alarm and that this has demonstrably increased the damage to the building or household contents, we can reduce our insurance benefit. However, it is always a case-by-case decision as to the form and amount of deductions to be made.”
Interrisk insurance with tariff XXL (pays):
"In the event of a breach of a smoke alarm device obligation under state law (installation, maintenance and operation), we will not invoke a breach of obligation."
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Disability insurance: what is important to customers in the event of a claim< /h3>Allianz, AXA and Generali are still missing
According to his statements, broker Frank Dufeu has not received an answer from Allianz as yet as to whether fire damage will be paid for if there is no smoke detector AXA and Generali (will be submitted later). However, positive things can be reported for Axa and Allianz. "Procontra" reported last week: "Therefore, Allianz will offer full insurance cover for residential buildings and household contents insurance throughout Germany even in the event of a violation of the smoke detector obligation."
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And for Axa, "that a breach of the smoke detector obligation ... in residential building and household contents insurance does not lead to an impairment of insurance cover in the event of a claim."
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