22 C 166/05•Legal expenses insurance exclusion for rental-property defects is insufficiently transparent
22 C 166/05Tribunal de Primeira Instância8 de nov. de 2005Direito do arrendamentoParcialmente deferido
Extraído pela Omnilex
In a dispute involving legal expenses insurance for a tenant, the court stated that § 4(2) ARB 2002, which excludes coverage for disputes concerning defects in rented property, is insufficiently transparent and unreasonably undermines the policyholder’s rights. After the parties reached a settlement, the Kerpen District Court ordered the defendant to bear the litigation costs, with the settlement costs set off against each other.
§ 4(2) ARB 2002; exclusion of insurance cover for disputes concerning defects in rented property. A tenant who concludes a legal expenses insurance contract need not accept an exclusion that denies cover for disputes concerning defects in the rented property. Such a clause is insufficiently transparent and unreasonably undermines the policyholder’s rights.
Entscheidungsdatum: 2005-11-08
Aktenzeichen: 22 C 166/05
ECLI: ECLI:DE:AGBM3:2005:1108.22C166.05.00
Dokumenttyp: Beschluss
Spruchkörper: Abt. 22
Wer als Mieter einer Wohnung mit einer Rechtsschutzversicherung einen Versicherungsvertrag abschließt muß sich nicht darauf verweisen lassen, daß nach den Allgemeinen Vertragsbedingungen (ARB 2002) kein Versicherungsschutz für Streitigkeiten zu gewähren ist, bei denen es um Baumängel der Mietsache geht. Die entsprechende Klausel (§ 4 Abs. 2 ARB 2002) ist intransparent und höhlt die Rechte des Versicherungsnehmers unangemessen aus.
Mit Ausnahme der Kosten des Vergleichs, die gegeneinander aufgehoben werden, werden die Kosten des Rechtsstreits der Beklagten auferlegt.
Whether the ARB 2002 clause excluding legal expenses insurance coverage for disputes concerning defects in rented property is enforceable.
The exclusion clause is insufficiently transparent and unreasonably undermines the policyholder's rights.
A tenant who takes out legal expenses insurance need not accept that disputes concerning defects in the rented property are excluded from coverage under § 4(2) ARB 2002.
Allocation of the litigation costs after settlement.
The defendant must bear the litigation costs, while the settlement costs are set off against each other.
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