The Yugoslavs set up internment camps at Sterntal and Teharje. Around 1,,    German citizens of Slavic descent were "verified" as " autochthonous " Poles. Throughout until May , as the Red Army advanced through Eastern Europe and the provinces of eastern Germany, some German civilians were killed in the fighting.
It requires the insurer to advise policyholders prior to conclusion of the contract and to send them written record of the advice provided and the reasons for such advice before the contract is concluded.
This is also intended to ensure, in the interest of the policyholders, that the insurance cover offered is optimally oriented on what the policyholder wants and needs. Overall, optimum advice will be provided in four phases. Firstly, the insurer must question the policyholder with regard to their needs, wishes and personal situation.
This forms the basis for the advice to be provided in the second phase regarding the insurance contract to be concluded. In the third phase, the policyholder must be informed of the reasons for the advice provided to them. This is to ensure that the policyholder can once again review whether the insurance product offered meets their personal needs. It should be mentioned in this connection that the scope and reach of these first three phases do not always have to be the same.
For example, any prior knowledge the policyholder may have or the simplicity of the insurance product may mean that the advice does not have to be as thorough or extensive as in other cases.
By contrast, an insurance contract that is not very transparent and which may even provide for exclusions of risks will entail extensive advisory duties even for an experienced policyholder.
In the final phase, the entire course of the informational meeting with the customer has to be put into writing in a record of advice and delivered to the policyholder. In this regard it is a matter of controversy whether the record of advice has to be signed. For evidentiary reasons, however, a policyholder should insist on the record of advice being signed by both sides insurer and policyholder.
If the duties to provide advice are culpably breached by the insurer, it has an obligation to pay damages to the policyholder subject to the provisions of section 6 5 of the VVG. Under certain conditions, the policyholder may waive their right to advice and documentation by way of separate declaration given in writing cf.
During the term of the insurance relationship as well, an insurer has an obligation to provide advice where the need to make inquiry with and advise the policyholder becomes apparent to the insurer cf. Such advisory duties notably may arise if a policyholder notifies the insurer of the occurrence of an insured event.
Inclusion under a group insurance contract gives rise to the special situation in which the contractual relationship is not between two persons insurer, policyholder but instead between three persons insurer, policyholder, insured.
The insurer and the policyholder have entered into a group insurance contract to cover a certain risk and agree to admit interested parties meeting such risk criteria into the contract as insureds. For example, an insurer and a bank as policyholder conclude a group insurance contract to cover credit default risks in the event that a borrower becomes unemployed and therefore unable to repay the loan as actually provided for by contract.
Consequently, the borrower will be included by the bank under the group insurance contract as insured person when the loan is granted. In such a scenario it is a matter of controversy whether the insurer has duties to advise the insured e. Judging strictly from the wording of section 6 of the German Insurance Contract Act Versicherungsvertragsgesetz — VVG , duties to provide advice exist only towards the policyholder — in our example, then, towards the bank but not towards the borrower as insured person.
However, this would not necessarily be a sensible outcome, since particularly the borrower as insured person has a special interest in being informed and advised with regard to the scope of insurance cover.
Borrowers will want to know when and under what conditions they have insurance cover, i. For this reason the view is taken that an insurer has duties to advise the insured person if that person, from a legal and economic perspective, is the actual contractual partner of the insurer and this is apparent to the insurer.
In the present example this is the case if the borrower pays the insurance premium wholly or at least in great part out of their own pocket. Although vehicles were ordered, Krupp completed only 10 prototypes in the final four months of The design phase of the Heuschrecke began in , when Krupp conceived a new type of self-propelled artillery.
In , Krupp produced three prototypes, with serial numbers from to , which were designated as either Heuschrecke 10 or Heuschrecke IVb. The competing Rheinmetall-Borsig model had overall slightly better performance than that of Krupps' vehicle. It was decided, however, to utilize an alternate chassis on the Rheinmetall-Borsig model, that of the Panzer IV. Production was to start in October , but the chassis choice was changed to that of the Geschützwagen IV in December Production, in Magdeburg, was then intended to commence in February , but none were produced.
The Nazi high command thought that the production of the Heuschrecke would disrupt the production of the needed Panzers. The Heuschrecke was seen as interesting by the General Inspector of the Panzer Troops, Heinz Guderian ,   however, Guderian agreed that their development was not worth the disruption to tank production.
The distinguishing feature of the Heuschrecke was its removable turret. A lifting gantry attached to the chassis could remove the turret for use on concrete fortifications or the ground. It had a large ammunition stowage, making it one of the chosen ammunition-carriers to help alleviate losses of ammunition that could not otherwise be transported.
The original prototype engine was the twelve-cylinder Maybach HL90, but for the production models, the twelve-cylinder Maybach HL was chosen. It is believed only one Heuschrecke survived the war. This sole survivor was originally on display at Aberdeen Proving Grounds. From Wikipedia, the free encyclopedia. Heuschrecke 10 A Heuschrecke 10 on display. Sterling Publishing Company, Inc. Retrieved November 24, Retrieved February 26,