Home insurance

Can I take out home insurance without liability insurance or the other way round?

The home insurance is a combination product of home and liability. Unfortunately, the two insurances cannot be taken out individually.

What are the notice periods?

The notice period for fixed-term contracts usually begins 1-3 months before the end of the insurance period.

Attention: The insurer must receive the termination letter at the latest on the last working day before the start of the notice period - namely during its office hours! A common reason why insurers reject cancellations is that the notice period was not met - when an attempt is made to terminate after the notice period has started.

How can you cancel insurance?

In the case of fixed-term contracts, the term of the contract usually depends on whether and when you can terminate your old insurance.

There is usually an automatic extension for contracts with a short term (less than 3 years) (e.g. household or motor vehicle liability insurance). This means that they are automatically extended for another contract year if the customer does not cancel in good time before the end of the contract. But don't worry, your insurer must inform you in good time about the possibility of cancellation.

For insurance contracts with a contract term of more than 3 years (up to 10 years can be agreed), there is a special right of termination for consumers, after which you can terminate a contract at least after 3 years (i.e. at the end of the 3rd year).

Regardless of the contract term, there are other termination options, e.g. if you change residence or in the event of a claim.

Who stands behind the home insurance?

The home insurance offered is arranged for you by LAMIE as a managing agent (conclusion agent with claims authority). The insurer is ERGO Versicherung AG.

LAMIE only offers this Ergo household insurance product and does not offer any competing products.

How long is the term of the insurance?

The insurance contract is limited to one year. After this one year, the contract does not expire but is automatically extended if it is not terminated at least two months before the period expires. However, you will be informed of your right to cancel in good time by email.

How and when can I cancel the insurance?

The insurance can be cancelled annually but must be cancelled at least two months before the end of the one-year insurance period. Specifically, if you took out the insurance on January 1, 2021, you must cancel it in writing by October 31, 2021 at the latest. After you cancel, you can still enjoy insurance cover until 01.01.2022, 00:01 a.m. You will be informed in good time by email about your right to cancel.

I would like to take out an insurance through LAMIE direkt. When can I terminate my old insurance contract with my previous insurer?

What is SEPA? And what do I do with it?

Do I have a deductible?

When ordering, you can decide whether you want no deductible or a deductible of € 100 or € 250. If you opt for a deductible in the event of a claim, it will reduce your current premium.

How do I get my contract?

After you have completed the order process, you will receive an email confirming the completion of the insurance application within a very short time. With this, we confirm that we have received the application. We will send you a summary of your application and the policy in two separate emails within the next few days.

How do I get detailed information about the products or information on cover?

You can easily download clear information folders on the respective insurances as well as the General & Special Insurance Conditions under Infos & Downloads.
If you have any questions, we are also available by telephone on the service line 0732 2596.

When does insurance cover start and what are the requirements for valid insurance cover?

What is the advantage or the remarkable thing about LAMIE?

What is really important when comparing insurance?

What does usable living space mean?

Usable living space is the total area of all rooms that directly serve the purpose of living. For example:

• Living rooms: such as living rooms, dining rooms, bedrooms, children's rooms, corridors and hallways, study rooms;
• adjoining rooms: such as anterooms, broom closets, pantries and other closet spaces;
• Corridor areas in living areas, attic and basement areas converted for living purposes;
• Kitchens, bathrooms and toilet rooms, conservatories;
• rooms that meet a high standard of living (e.g. indoor swimming pool, sauna and fitness rooms).

The area of a room is calculated as net area, i.e. without walls, wall openings or wall recesses for doors, windows and the like.

What does secondary area mean?

Ancillary area is the sum of the areas of all rooms that belong to the building or group of buildings but do not directly serve the residential purpose. "Undeveloped" means that the areas do not directly serve the residential purpose. For example:

• undeveloped cellar rooms including corridor and storage areas;
• unfinished attic rooms including corridors and storage areas;
• storage rooms outside the usable living space;
• workshops, garages, refuse collection rooms, shelters, laundry rooms, drying rooms, boiler rooms;
• accessible installation niches, shafts and corridors as well as lift drive rooms, lift shafts.

The area of a room is calculated as net area, i.e. without walls, wall openings or wall recesses for doors, windows and the like.