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Legal information
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The company Bernhard Reiseversicherungsmakler GmbH is not responsible for the content of websites that are reached via a link and were not created by the company Bernhard Reiseversicherungsmakler GmbH. As a content provider, it is responsible for its "own content" that it makes available for use in accordance with general legislation. External links that refer to content provided by other providers are to be distinguished from this own content. Through the external link, Bernhard Reiseversicherungsmakler GmbH makes "third-party content" available for use. It is only responsible for this external content if it has positive knowledge of it (i.e. also of illegal or punishable content) and it is technically possible and reasonable for it to prevent its use.
External links and associated cross-references are always "living" (dynamic) references. The company Bernhard Reiseversicherungsmakler GmbH checked the external content when the link was first created to determine whether it might give rise to civil or criminal liability; this was not the case. According to the law, it is not obliged to constantly check the content to which it refers in an offer for changes that could give rise to new responsibility. Only if it establishes or is informed by third parties that a specific offer to which it has provided an external link triggers civil or criminal liability will it remove the link to this offer, insofar as this is technically possible and reasonable.
We would like to expressly emphasize that we have never had or have any influence on the design and content of the linked pages. Should you nevertheless find pages via one of our links which in your opinion are not suitable for Bernhard Reiseversicherungsmakler GmbH, in particular those with racist, fascist, violence-glorifying, youth-endangering, pornographic, offensive or illegal content, please let us know immediately.
BERNHARD Reiseversicherungsmakler GmbH is a subsidiary of BERNHARD Assekuranzmakler GmbH. Bernhard Assekuranz was founded in 1950 as a sole proprietorship and converted into a corporation in 1975. We have been operating as an insurance broker, i.e. as an independent insurance broker and advisor, without interruption since 1950. With our 55 highly qualified employees, we look after customers in a wide range of sectors throughout Germany.
We are a member of the Bundesverband Deutscher Versicherungsmakler e.V. (BDVM), the German Insurance Brokers Association, whose quality requirements are significantly higher than the licensing requirements for insurance brokers under the German Trade Regulation Act and Insurance Brokers Ordinance.
Due to legal obligations, we are required to provide you with the following information:
BERNHARD Reiseversicherungsmakler GmbH
Mühlweg 2 b
82054 Sauerlach
Phone: +49-8104-891-60
Fax:+49-8104-891-735
eMail info@bernhard-reise.com
Register court: Amtsgericht München, HRB 156795
Managing director: Thorsten Michael Kuhr
The company is registered in the insurance intermediary register as:
Insurance broker with permission according to § 34d Abs. 1 GewO
with the insurance intermediary register no.: D-U5UY-L1BDG-88
The responsible licensing authority is:
Chamber of Industry and Commerce for Munich and Upper Bavaria
Max-Joseph-Straße 2, 80333 Munich
Telephone: +49-89-511-60
Fax: +49-89-511-6666
eMail: ihkmail@muenchen.ihk.de
internet: www.muenchen.ihk.de
The entry in the register of intermediaries can be checked at the joint register office pursuant to Section 11 a para. 1 GewO:
Deutscher Industrie- und Handelskammertag (DIHK) e.V.
Breite Straße 29, 10178 Berlin
Telephone: 01806 00 58 50
(landline price 0.20 €/call; mobile phone prices maximum 0.60 €/call)
www.vermittlerregister.info
As an insurance broker, we generally act in accordance with a brokerage agreement. The insurance broker's services are compensated by the brokerage fee to be paid by the insurer; this is part of the insurance premium.
In the event that the broker arranges net insurance premiums for the customer, the two contracting parties will agree in advance on the amount of remuneration to be paid by the customer to the broker.
In the case of a consultancy contract, the amount of remuneration to be paid by the customer to the broker will be agreed between the two parties in advance.
Our company does not directly or indirectly hold more than 10% of the voting rights or capital of an insurance company. Conversely, no insurance company or parent company of an insurance company has a direct or indirect holding of more than 10% of the voting rights or capital of our company.
Dispute resolution and complaints
Information on the arbitration bodies pursuant to Section 214 VVG and on participation in the dispute resolution procedure pursuant to Section 36 of the Consumer Dispute Resolution Act
The following arbitration bodies can be contacted for out-of-court dispute resolution. In accordance with Section 17 (4) of the Insurance Mediation Ordinance, we are obliged to participate in dispute resolution proceedings before the following consumer arbitration boards:
Versicherungsombudsmann e. V.
Postfach 08 06 32
10006 Berlin
www.versicherungsombudsmann.de
Ombudsman for private health and long-term care insurance
Postfach 06 02 22
10052 Berlin
www.pkv-ombudsmann.de
Online dispute resolution platform pursuant to Art. 14 para. 1 Regulation (EU) No. 524/2013:
The European Commission provides a platform for online dispute resolution (OS), which you can find at:
http://ec.europa.eu/consumers/odr
Consumers have the option of using this platform for out-of-court settlement of their disputes regarding contractual obligations.
Complaints management
If you are dissatisfied with our services, please contact us. Your contact person for complaints is first of all the employee responsible and then our Managing Director Thorsten M. Kuhr (e-mail: thorsten.kuhr(at)bernhard-assekuranz.com). Processing complaints is our top priority and we will get back to you as soon as possible. If you have any complaints about our activities, please contact our complaints office:
E-mail:
Telephone: +49 (0) 81 04 / 89 16-0
The following arbitration body is also available for financial services transactions:
VuV-Ombudsstelle
beim Verband unabhängiger Vermögensverwalter Deutschland e. V. V.
Stresemannallee 30
60596 Frankfurt am Main
Telephone: +49 69 660550 10
Fax: +49 69 660550 19
Internet: www.vuv-ombudsstelle.de
E-mail: c dsstelle.de
Professional regulations:
- § 34d Industrial Code
- §§ SECTIONS 59-68 VVG
- VersVermV
The professional regulations can be viewed and accessed via the homepage www.gesetze-im-internet.de operated by the Federal Ministry of Justice and juris GmbH.
Compliance:
see our information https://bernhard-assekuranz.com/compliance/
as well as the BDVM eV: https://bdvm.de/versicherungsmakler/code-of-conduct/
Please do not hesitate to contact us for further information.
Your BERNHARD Reiseversicherungsmakler GmbH
Cancellation policy
You can cancel your contractual declaration in writing (e.g. letter, fax, e-mail)
within 14 days without giving reasons. The revocation period begins after you have received
- the insurance policy
- the contractual provisions, including the General Insurance Conditions applicable to the contractual relationship,
these in turn, including the tariff provisions,
- this instruction
- the information sheet on insurance products
- and the further information listed in Section 2
, each in text form. Timely dispatch of the revocation is sufficient to comply with the revocation period.
The revocation must be sent to: Bernhard Reiseversicherungsmakler GmbH, Mühlweg 2 b, 82054 Sauerlach or by e-mail to info@bernhard-reise.com
Consequences of revocation
In the event of an effective revocation, the insurance cover ends and we will refund you the part of the premiums attributable to the period after receipt of the
revocation if you have agreed that the insurance cover begins before the end of the
revocation period. In this case, we may retain the part of the premium attributable to the period up to receipt of the revocation
; this is an amount equal to the number of days on which insurance cover existed
multiplied by 1/30 of the monthly premium. Amounts to be repaid will be reimbursed immediately, at the latest 30
days after receipt of the revocation. If the insurance cover does not commence before the end of the revocation period, the effective
revocation shall result in any benefits received being returned and any benefits derived (e.g. interest) being surrendered.
Special information
Your right of revocation expires if the contract has been completely
fulfilled by both you and us at your express request before you have exercised your right of revocation.
Sample withdrawal form
If you wish to withdraw from the contract, please complete and return this form.
There is no right of revocation
- for insurance contracts with a term of less than one month,
- for insurance contracts for provisional cover (e.g. motor vehicle liability contracts), unless it is a
distance contract within the meaning of Section 312c BGB,
- for insurance contracts with pension funds based on employment contract regulations, unless it is
a distance contract within the meaning of Section 312c BGB,
- for insurance contracts for a major risk within the meaning of Section 210 (2). This includes, among other things,
transportation insurance.
Section 2
List of further information required for the commencement of the period
With regard to the further information mentioned in Section 1 sentence 2, the information obligations are listed in detail below at
:
Duty to provide information for all classes of insurance
The insurer must provide you with the following information:
1. The identity of the insurer and any branch office through which the contract is to be concluded;
the commercial register in which the legal entity is registered and the associated registration number must also be provided;
2. the insurer's summonable address and any other address relevant to the business relationship between the
insurer and you, in the case of legal persons, associations or groups of persons also the name
of an authorized representative; if the notification is made by transmitting the contractual provisions including the
General Terms and Conditions of Insurance, the information must be in a prominent and clearly designed
form;
3. the main business activity of the insurer;
4. the main features of the insurance benefit, in particular information on the type, scope and due date of the benefit
of the insurer;
5. the total price of the insurance including all taxes and other price components, whereby the premiums must be shown individually
if the insurance relationship is to comprise several independent insurance contracts, or, if
an exact price cannot be stated, information on the basis of its calculation which enables you to check
the price;
6. a) any additional costs incurred, stating the total amount to be paid and any other
taxes, fees or costs which are not paid via the insurer or invoiced by the insurer;
6. b) all costs incurred by you for the use of means of distance communication, if such additional costs are invoiced in
;
7. details regarding payment and fulfillment, in particular the method of payment of premiums;
8. the period of validity of the information provided, for example the period of validity of limited
offers, in particular with regard to the price;
9. Information on how the contract is concluded, in particular the start date of the insurance and
insurance cover and the duration of the period during which the applicant is to be bound by the application;
10. the existence or non-existence of a right of revocation as well as the conditions, details of the exercise, in particular
the name and address of the person to whom the revocation is to be declared and the legal consequences of the revocation
including information on the amount you may have to pay in the event of revocation; insofar as the
notification is made by transmitting the contractual provisions including the General Terms and Conditions of Insurance,
the information must be in a prominent and clearly designed form;
11. a) Information on the term of the contract;
11. b) Information on the minimum term of the contract;
12. Information on the termination of the contract, in particular on the contractual termination conditions, including
any contractual penalties; insofar as the notification is made by transmitting the contractual provisions, including the General Terms and Conditions of Insurance,
, the information must be in a prominent and clear form;
13. The Member States of the European Union whose law the insurer uses as a basis for entering into relations with you before
concluding the insurance contract;
14. The law applicable to the contract, a contractual clause on the law applicable to the contract or on the
competent court;
15. the languages in which the contractual terms and conditions and the preliminary information referred to in this section are communicated
, as well as the languages in which the insurer undertakes to communicate with your consent during the
term of this contract;
16. possible access for you to an out-of-court complaint and redress procedure and
the conditions for this access, if applicable; it must be expressly pointed out that the possibility for you to take legal action
remains unaffected by this;
17. Name and address of the competent supervisory authority and the possibility of lodging a complaint with this
supervisory authority.
End of the cancellation policy
Information on the arbitration bodies pursuant to Section 214 VVG and on participation in the dispute resolution procedure pursuant to Section 36 of the Consumer Dispute Resolution Act (Verbraucherstreitbeilegungsgesetz)
The following arbitration boards can be called upon for out-of-court dispute resolution. In accordance with Section 17 (4) of the Insurance Mediation Ordinance, we are obliged to participate in dispute resolution proceedings before the following consumer arbitration boards
Versicherungsombudsmann e. V.
Postfach 08 06 32
10006 Berlin
www.versicherungsombudsmann.de
Ombudsman for private health and long-term care insurance
Postfach 06 02 22
10052 Berlin
www.pkv-ombudsmann.de
Online dispute resolution platform pursuant to Art. 14 para. 1 Regulation (EU) No. 524/2013:
The European Commission provides a platform for online dispute resolution (OS), which you can find at:
http://ec.europa.eu/consumers/odr
Consumers have the option of using this platform for out-of-court settlement of their disputes regarding contractual obligations.
Complaints management
If you are dissatisfied with our services, please contact us. Your contact person for complaints is first of all the employee responsible and then our Managing Director Thorsten M. Kuhr (e-mail: thorsten.kuhr(at)bernhard-assekuranz.com). Processing complaints is our top priority and we will get back to you as soon as possible. If you have any complaints about our activities, please contact our complaints office:
E-mail:
Telephone: +49 (0) 81 04 / 89 16-0
The following arbitration body is also available for financial services transactions:
VuV-Ombudsstelle
beim Verband unabhängiger Vermögensverwalter Deutschland e. V. V.
Stresemannallee 30
60596 Frankfurt am Main
Telephone: +49 69 660550 10
Fax: +49 69 660550 19
Internet: www.vuv-ombudsstelle.de
E-mail: c dsstelle.de
Professional regulations:
- § 34d Gewerbeordnung
- §§ 59-68 VVG
- VersVermV
The professional regulations can be viewed and accessed via the homepage www.gesetze-im-internet.de operated by the Federal Ministry of Justice and juris GmbH.
By concluding the insurance contract, I/we make the following declaration:
The applicant expressly wishes to take out the aforementioned insurance online as part of distance selling without receiving personal advice on alternative insurance products.
The applicant also waives the preparation of advisory documentation.
The applicant is aware that a waiver may have a detrimental effect on his/her ability to assert claims for damages against the insurance intermediary in accordance with § 63 VVG.
The applicant was able to inspect the contractual provisions, including the General Terms and Conditions of Insurance and the information specified in a statutory regulation pursuant to Section 7 (2) VVG, as well as the product information sheet in good time before submitting his declaration of intent and, after careful consideration, has decided to apply for the above-mentioned insurance cover.
This declaration is made by the applicant himself or by a person authorized to make declarations of intent to this extent.
on Art. 3 TVO
When selecting insurance companies and insurance products, we take into account the information provided by the insurers/product providers. We may not offer insurance companies that clearly do not include a strategy for incorporating sustainability risks in their investment decisions.
As part of the individual advice provided in the client's interest, we will, on request, explain separately if the consideration of sustainability risks in the investment decision represents a recognizable advantage or disadvantage for the individual client. The respective insurer provides information on the respective consideration of sustainability risks in investment decisions in its pre-contractual information. If the customer has any questions about this, he/she is welcome to contact me/us in advance of a possible conclusion.
Regarding Art. 4 TVO
The most important adverse effects of investment decisions on sustainability factors of the financial market participants (insurers) are currently taken into account to a limited extent as part of the advice. Where applicable, consideration is based on the information provided by the insurance companies. The insurance company, not the intermediary, is responsible for the accuracy of this information. Due to the limited information currently available from insurers, these aspects are not currently taken into account as standard in the advice provided. They can be taken into account at the special request of the customer on the basis of the data currently available. With a broader market offering in the future, they will be taken into account as standard.
Re Art. 5 TVO
Remuneration for the brokerage of insurance policies is currently not based on the sustainability risks associated with their investments. In particular, this means that the level of remuneration for the product is currently not positively or negatively influenced by the sustainability risks of the investment.
Information about our data protection officer can be found HERE.
Brokerage contract for BERNHARD Reiseversicherungsmakler GmbH
Here you will find the brokerage agreement with BERNHARD Reiseversicherungsmakler GmbH for the brokerage of insurance contracts. This insurance brokerage includes in particular the preparation and conclusion of insurance contracts as well as assistance in administration and in the event of a claim.