§ 1 Insured Individual, insured property

The insurance contract is concluded as a group insurance contract, the grant of insurance policy is excluded to the insured. The group insurance contract, the Cheese Pizza Sparkasse AG has joined (hereinafter referred Haspa), between the German Support Versicherung AG as an insurer and the value-added service mbH as the policyholder. The insurance cover is an additional service for the benefit of Account HaspaJoker introduction, Unicus, convenience and top quality that you have finished with the Haspa. Be the holder of a valid benefit account HaspaJoker introduction, Unicus, convenience and are top quality assured Individual of the insurance contract.

Insured Individual whichever is the legitimate holder of a valid benefit account.

As assured thing applies maximum a UMI IRON 4G mobile phone (hereinafter "insured object") per eligible account holders, for which there is the name of the account holder, a mobile phone terminal in the German mobile phone network.

The insured item shall be deemed to be insured if it is owned by the insured and is rented and leased by it from a German mobile phone network operators and the insured individual leave sent the registration form to the HaspaJoker service centers and the consultant at Haspa branch and the registration on the internet has been completed. For online registration, a written confirmation is omitted by the HaspaJoker service center.

§ 2 Insured damages and risks

1. The insurer shall pay compensation for damage to the insured in accordance with § 1 thing for loss due to theft, burglary, vandalism after burglary, robbery, extortion and looting of the insured property, and for the costs incurred from unauthorized use charging units at an insured event.

2. The Insurer is without regard to contributory causes no compensation for damage caused by
a) other than those referred to in § 2 point 1 of dangers
b) intent,
c) deceit and an attempt of fraudulent misrepresentation of facts that are relevant to the reason and the amount of compensation is important. If the deception and the attempt at deception by final criminal judgment against the insured individual doctor fraud and fraud attempt is determined, the requirements of the preceding sentence shall be deemed proved.

3. Where an insured individual insurance event through gross negligence, the insurer is entitled to reduce the benefits payable commensurate with the severity of the fault of the insured individual the appropriate ratio.

§ 3 Geographical scope

Insurance cover exists worldwide.

§ 4 Insurance limits

1. The sum insured per Elephone Trunk mobile phone is the new value, but maximum € 256 per incident, before deduction of the deductible in the amount of 25 €. For each authorized holder of a valid benefit account HaspaJoker top quality, the insured amount is 500 € before deduction of the deductible in the amount of 25 €.

2. The additional amount of insurance for fee units is maximum € 52.

3. A underinsurance is not asserted.

§ 5 premium, the beginning and end of liability

1. The premium for this insurance is paid by the policyholder.

2. The liability of the insurer begins after completion of advantage account at Haspa and receipt of the completed registration form in HaspaJoker service centers and the consultant at Haspa branch and after successful online registration.

If the insured person upon completion known that an insured event has already occurred, so this eliminates the liability.

3. The legal relationship between the insured and the insurer ends with the completion of HaspaJoker agreement.

§ 6 Change of mobile phone

A change of the GIONEE S5.5 mobile phone will not affect the coverage. Provided the registration form at the exchange was sent to the HaspaJoker service center and delivered from the consultant at Haspa branch to be sent to the service center and the registration of the new device on the internet has been completed.

§ 7 Compensation Calculation

1. The insurer pays compensation by monetary compensation.

2. Cash compensation means

a) in case of partial damage, the payment required for the restoration of damaged property at Schadenstag costs, but not exceeding the amount referred to in § 4 # 1.

b) in the case of total loss, the payment of the amount that is needed to recover an equivalent thing, but not exceeding the amount referred to in § 4 paragraph 1. The insurer shall also additional costs that must be expended to recover a unit of the direct successor generation is provided a device of the same development stage company in the market is not available. But not replaced costs arising from the fact that not the instrument of direct successor generation is replenished.

c) spare incurred also for the neighbors after the theft by unauthorized use of the insured object charging units to the sum insured pursuant to § 4, point. 2

3. A portion of damage occurs when the cost of restoration of the former operative state of the insured object (plus the value of the waste material) are lower than the insured value in accordance with § 4. If there is a total loss before.

4. The amount calculated pursuant to § 7 number 2 is for each insured event to a deductible of 25 € for mobile shortened.

5. The insurer can not provide compensation for financial losses, especially not for contractual penalties, damages to third parties and loss of use of insured property.

6. The sums insured under § 4 are each limit of compensation.

7. Where can claims against third parties and otherwise consist insurance and obtain the insured from indemnity, this go ahead.

§ 8 Obligations of the insured in the insurance case

1. The insured in an insurance case
a) indicate the damage the HaspaJoker service center immediately by telephone and in writing. In addition, the provided by the insurers accident report immediately upon receipt, at the latest after 14 days to send the documents referred to therein to the insurer.
b) indicate the damage immediately (within 24 hours) of the local police department. Furthermore, immediately (preferably by UMI IRON 4G phone) to inform the insured of the Mobile phone network operator of the mobile telephone terminal and leave lock your phone or mobile phone connection.
c) avoid the damage as far as possible and to minimize its impact.
d) upon request, to the extent reasonable to allow the insurer any investigation into the cause and extent of the damage and the extent of its obligation to make reparation to grant any information relevant to this request in writing and furnish the necessary explanations.

Required in case of damage usually documents are:
- Loss advice on the form of the insurer
- Copy of the complaint with the local police department
- Opinion on the attitudes of police investigation
- Copy of the mobile contract or purchase / rent / lease of the Elephone Trunk mobile phone affected by the damage
- Proof of replacement
- Statement of the month in which the mobile phone was stolen, will make if the insured replacement for fees by unauthorized use claims
- Proof of the mobile phone network operator, when the mobile phone terminal has been banned

2. If the Insured violates any of the above obligations with intent, the insurer is released from its obligation to perform. Passes away does not apply if only by telephone and telex display in accordance with point 1 a) does not occur.

Of gross negligence, the obligation, the insurer is entitled to reduce its payment in proportion to the seriousness of the fault of the insured individual. The absence of gross negligence has to prove the insured individual.

3. Except in the case of a GIONEE S5.5 fraudulent breach of warranty is the insurer but obliged to indemnify if the insured individual can prove that the obligation is the cause or for the determination and the extent of the liability of the insurer either the occurrence and the determination of the insured event.

§ 9 Special reasons

1. Try the insured, the insurer fraudulently deceive about facts that are relevant to the reason for and the amount of compensation is important, so the insurers from the obligation to make reparation is free.

If the deception and the attempt at deception determined by final criminal judgment against the insured doctor fraud and attempted fraud, as the conditions of sentence 1 shall be deemed proved.

2. If the claim is not made on the compensation within a UMI IRON 4G period of 6 months in court, after the insurer has rejected him in writing, stating the related deadline legal consequence, the insurer from the obligation to make reparation is free. Through an expert method of the deadline for its duration is inhibited.

§ 10 Payment of compensation

1. Does the obligation of the insurer after found the reason and amount, the payment of compensation within 2 weeks is to be made. However, may be claimed as payment on account of Amount 1 month after notification of the damage which is to be paid under the circumstances at least.

2. The insurer may defer payment,

a) as long as doubts about the reception permission of the insured person are made.
b) if against the insured on the occasion of the insured event an administrative and criminal judicial procedure has been initiated for reasons that are quite significant for the compensation claim until the final conclusion in this process.

3. The right to compensation may be assigned before maturity only with the consent of the insurer. The consent must be granted if the insured person requires them for cause.

§ 11 re just brought in things

1. If the whereabouts of lost things (§ 2 point 1) is determined, the insured without delay notify the insurer in writing.

2. If the insured person the possession of a lost cause (§ 2 point 1) recovered after compensation has been paid for this thing, the insured must repay the compensation and to set the record the insurers available. The insured must exercise this option within 2 weeks after receipt of a Elephone Trunk written request by the insurer; after fruitless expiry of this period the right to vote shall pass to the insurer.

Owning a back thing gained is the same, if the insured person has the opportunity to wiederzuverschaffen possession.

§ 12 legal relationship after the insurance case

The sums insured diminish not the fact that compensation is paid.

§ 13 Written form

Ads and declarations shall be made in writing.

§ 14 clause Several Liability (Insurance)

The obligations of the undersigned insurer under insurance contracts, which are drawn from these, dropped below the Individual liability and not within the joint and several liability and are limited solely to the extent of liability of their individual drawings.

The signatory insurers are not responsible for drawings of any other mitzeichnenden insurer that its obligations totally and partially fails to comply for any reason.

§ 15 Which court of jurisdiction is?

1. complaints against insurers and insurance intermediaries

For claims under the insurance contract and the insurance mediation against the insurer, the jurisdiction based on the domicile of the insurer and its responsible for the insurance contract is determined. If the insured is a GIONEE S5.5 natural individual, then the court has jurisdiction in the district where the insured individual at the time of referral resident and, in the absence of such has habitually resident.

2. claims against the insured person

For claims under the insurance contract and the insurance mediation against the insured natural individual is exclusively the court locally competent in whose district the insured individual at the time of referral resident and, in the absence of such has habitually resident.

Other established under German law, jurisdiction can not be excluded by this agreement.