New Year’s Eve: How to have a good New Year!

The company at a glance

 

Get to know us! Learn what distinguishes CosmosDirekt

 

Board

 

At this point you meet the heads of the company

 

Employee

 

Get to know the people behind CosmosDirekt

 

Our mission statement

 

Learn more about our vision, our mission and our values

 

our promise

 

Inform yourself here about our brand values ​​and our claim

 

Our development

 

Read the success story of CosmosDirekt here

 

Social responsibility

 

We are partners for the region,
our commitment at a glance here

 

 

Press overview

 

Keep an eye on current publications on insurance

 

Contact Person

 

Our contact person answers your press inquiries

 

Publications

 

Read our press releases and other publications

 

Media library

 

Here you will find press photos, documents, studies, sounds and videos

 

numbers, data, facts

 

Annual reports and information according to § 15 Abs. 1 MindZV can be found here

 

  • start page
  • Press
  • Publications

Back

27.12.2011 – Insurance tip

Whether missiles, guns or party bangers: At the turn of the year, many let it really crack. In Germany alone, New Year’s Eve firecrackers worth over 100 million euros fly into the air. 1 Not always that runs smoothly. Whether a rocket damages the façade of the house or one injures oneself when firing a blast – many damages can be avoided.

Traditionally, fireworks and boulders are lit on New Year’s Eve to greet the New Year. A considerable potential for danger – above all reckless and improper handling of rockets & Co. leads to accidents and injuries every year. CosmosDirekt explains which insurance will pay for the damage in case of emergency and which tips should be taken into account on New Year’s Eve.

The most common New Year’s Eve damages – and when the insurance pays

Own injuries from rockets or boulders:

Dealing with fireworks is dangerous: In the case of injuries that lead to permanent damage, the accident insurance comes into effect. However, if the damage has been caused by dealing with self-made or illegal Böllern, the insurance can refuse the payment.

Infringement of third parties by fireworks:

If a rocket goes in the wrong direction and a bystander gets hurt, private liability insurance is important because personal injury can quickly become expensive. The insurance pays, if the damage was caused by the negligent handling of fireworks and at the same time repels unauthorized claims of third parties. However, she does not pay for intent!

Damage to the house:

Homeowners insurance covers damage caused by exploding firecrackers on their premises – for example, when a rocket sets fire to the roof of a thatched house. Follow-up costs incurred, for example, by extinguishing water are also covered.

Damage in the house:

If a rocket gets lost in its own four walls and incinerates the furniture there, the household contents insurance replaces the damage incurred. But best close the windows on New Year’s Eve, so that nothing can get into the apartment!

Damage to the car:

Should there be any damage to the vehicle on New Year’s Eve, because a rocket was not fired correctly, the “sender” of the fireworks body is liable. If the causer is known, his private liability insurance pays the damage. Fire or explosion damage to the car is already covered by the partial coverage insurance. The comprehensive insurance covers if the car was willfully damaged and the offender can not be determined.

Ten tips for a safe turn of the year

  1. Only use fireworks approved by the Federal Institute for Materials Research. These can be recognized by the printed approval mark, which always starts with the letters “BAM” (eg BAM-PII-0537).
  2. New Year’s Eve rockets should never be fired from the hand, but always from sturdy pipes or bottles. It is best to use a drinks box with empty bottles. A battery firework can be secured with two bricks against falling over.
  3. Firecrackers are not owned by children. For them, only small fireworks of the first class is allowed, such as sparklers, crackers and table fireworks.
  4. Lightning, firecrackers, fountains, rockets or fireworks are among the class two fireworks. They may only be detonated by persons over the age of 18 – and that only on New Year’s Eve from 6 pm until the New Year’s morning at 7 am.
  5. Never ignite firecrackers indoors – or on the balcony!
  6. Beware of duds. Never fire the fireworks a second time.
  7. In order to observe the hustle and bustle of the New Year’s sky without accidents, always keep a sufficient distance from the fireworks and do without wide pockets and hoods.
  8. It is best to close all windows, skylights or balcony doors on New Year’s Eve and remove flammable objects from the balcony.
  9. Car roofs or hoods should not be used as a “launching pad” for rockets, Chinaböller or the like – because the direct contact with the body can cause ugly traces of smoke on the paint.
  10. The safest way to drive your own car is through the New Year’s Eve – or in a quiet side street where hardly any firecrackers are detonated.
  • New Year’s Eve: How to have a good New Year! 119 KB

  • 1 Trade Association Germany #

More information about the topic

 

Household

Home Insurance

Car insurance

Term life insurance

Ratgeber term life insurance

 

Show related press releases

Hide related press releases

 

  • Nice gift: When the Christmas tree becomes a fire devil

  • Risk life insurance: Did you actually know …

  • December 5 – Day of Volunteering

  • Winter sports: When it crashes on the slopes

  • Finances under control: in good times and in bad

  • Parents Provide: More than every second ABC contactor secured in the event of an accident

  • Recent poll: women brush the most, men do not thoroughly

  • Second Chance for Latecomers: Now insure | and use rejuvenation bonus

 

Press contact CosmosDirekt

Stefan Gobel

 

0681-9 66 71 00

0681-9 66 66 62

presse@cosmosdirekt.de

Ina Pfeifer

 

0681-9 66 71 83

0681-9 66 66 62

ina.pfeifer@cosmosdirekt.de

  • up

Current test judgments
# # # # # #

To all test judgments

data

Welcome to the Cosmos 

Get to know us!

Welcome to a new world of insurance! At CosmosDirekt, you manage your financial security yourself. We help you personally whenever you wish.

Learn more Companies

  • The company at a glance
  • Companies
  • Board
  • Employee
  • Our mission statement
  • our promise
  • Our development
  • Social responsibility

Press

  • Press overview
  • Press
  • Contact Person
  • Publications
  • Media library
  • numbers, data, facts

To the products

  • Term life insurance
  • motor vehicles
  • Household
  • Liability insurance

The CosmosDirect
Newsletter

  • Contact
  • Sitemap
  • data protection
  • Terms of Use
  • imprint

© CosmosDirekt 2018 | Telephone: 0681-9 66 68 00 | E-Mail: info@cosmosdirekt.de https://static01.cosmosdirekt.de/CosmosCAE/I/relaunch/img/logos/cosmosLogo-fp-86e177aadcb20bdacc563760fc5a34df.svg https://www.cosmosdirekt.de

A company of Generali Germany

  •  
  • To press
  • up
  • Contact
  • Sitemap
  • data protection
  • Terms of Use
  • imprint

© CosmosDirekt 2018 | Telephone: 0681-9 66 68 00 | E-Mail: info@cosmosdirekt.de https://static01.cosmosdirekt.de/CosmosCAE/I/relaunch/img/logos/cosmosLogo-fp-86e177aadcb20bdacc563760fc5a34df.svg https://www.cosmosdirekt.de

A company of Generali Germany