Federal of insured warns several companies in insurance probably few understand in detail the condition works of their provider. According to the Confederation of the insured (BdV) customers are not responsible for this but first and foremost, rather the insurance conditions are often intransparent and awkwardly worded. As the financial portal geld.de reported, several insurance companies in the review are available for this reason. Particularly in the area of private insurance difficulties according to the insured person often occur. That is, for example, due to the unfavourable structure of insurance contracts, because they consist of two parts: the General conditions of insurance and the special conditions.
The consumer organization criticized, inter alia, that in the General insurance conditions certain exclusions appear, which are partially lifted in the special conditions. To find information about specific situations, is complicated. Who enters into a contract, so must be the read all fine print. After view of the Confederation of the insured is in this context a disadvantage of the typical average customer without any special security knowledge”before. Especially the fuel clause”regularly leads to ambiguities that require judicial decisions. The purpose of this clause is the exclusion of damages caused by the use of a motor vehicle and are therefore the insurance. What are the requirements in the specific case must be met so a use exists, is however not sufficiently clarified. Recently the Federal Government of insured urged off Alliance, R + V, as well as AXA companies such problematic clauses in private liability insurance.