If a child is 12 years old and intentionally damages something, will their private liability insurance cover it?
If it was intentional it would not be with adults but what about children
(1 votes)
Loading...I made a transfer at an ATM late last night. I'm with Volksbank. The recipient has an account with another bank. When will the money arrive?
We booked a hotel through booking.com, which we then canceled. We then booked two rooms at this hotel ourselves (without booking.com) for five days, but then wanted to leave after the first night. The people at the hotel said that we had reserved a hotel through booking.com, so we had to cancel it there too,…
Hi, I work as an electrician and am almost fully qualified. I always need to hear something when I'm working alone. I actually only listen with one ear, and not loudly, so I can hear when someone calls me. If I'm not working in a job that requires communication (working with several people), then I…
Hello, I have a very direct question 😅 Is there a way to borrow money somewhere on the spur of the moment if I need it right away? I'm stuck with my car right now, can only drive maybe 10km at most, and unfortunately, my paycheck hasn't come in yet. I've asked everyone around me,…
Hey, what's a cheap used car you can get that actually drives? I don't care how much the insurance costs but the car should be extremely cheap and drive What would you recommend and how much do they cost approximately?
https://www.google.com/search?client=safari&sca_esv=381a7a3a6a330f37&hl=de-de&sxsrf=ADLYWILfe0nNlz0eDB5yJIPZWfjma3W69g:172 9776241300&q=pumptrack+lechhausen&udm=7&fbs=AEQNm0DaUoY2ENUqLxGu4PAkntZiDYwPG7RTig3ex9GvrsCDAYWGIHeIWELUWR9KLRnFGZ0rMZdHPcn bT28WTOCEk1–dksyWUAPQdeEWTkMNelKsFlJde9MOHFy5ijUfhY4nBl9Z2Rfi7e3uG_Fd_4Ln-l0R6rZdtq6uxGI8eOnAWK3fXikdPPsxtb6L0rVnYv6t3AI85J uDbCpLpZMf8irpg0jAtrc60bjkCmvKIEV84R0gr8rzJWY&sa=X&ved=2ahUKEwiX9pzTjqeJAxUwR_EDHffHAakQtKgLegQIExAB&biw=390&bih=619&dpr=3#
If intentional acts are not explicitly covered*: No. Intentional acts are generally excluded.
*My private liability insurance also covers (until 2023) intentional damage caused by children (and I don't even have any^^) – but only up to the age of 10 and up to a maximum coverage amount of €1,000.
Which insurer offers this? Which tariff?
LVM. But they changed their rates a while ago. I just looked through it and couldn't find that section anymore – it's possible they've removed it. With the low coverage amount, the content was pretty superfluous – and it was never relevant to me anyway.
It was still included in the old "Private Liability Plus" module:
Under insurance law, according to Section 81 (1) of the German Insurance Contract Act (VVG), the intentional causing of an insured event releases the insurance company from liability. The allegation of intentional conduct is not limited to the loss itself, but also to the resulting consequences.
There is nothing there about an exception for children!
The insurance company must prove the intent, which is almost impossible with a 12-year-old
Intent is not covered by any insurance!