When does the insurance cover start?

Coverage begins with the date specified in the policy (insurance commencement), but not before the conclusion of the insurance contract – i.e. not before the insurance policy has been signed by both contracting parties – and not before the expiry of waiting periods. Insured events occurring before the commencement of the insurance cover will not be covered. Insured events occurring after the insurance contract has been entered into are only excluded from the obligatory cover to the extent in which they occur in the period before the insurance commences or in waiting periods.