The §34d Versicherungsvermittler Sachkundeprüfung draws its written questions from five subject areas fixed in § 2 Absatz 1 Nummer 1 VersVermV. Naming the five areas is easy; knowing what each one actually expects you to reason through is the part that decides whether you pass. Here is what sits inside each one.
What does the legal foundations area cover?
It centres on sequence: which duty applies before a customer signs, which applies while an application is pending, and which only starts once the contract exists. Advice and information duties under VVG § 6 and § 7 come first, the customer’s own duty of disclosure under VVG § 19 runs until the insurer accepts the application, and the right of withdrawal under VVG § 8 only begins once the policy, the terms and a proper notice have all reached the customer in text form. The area also draws on the BGB for how a contract is formed at all, on the UWG for what counts as misleading or unreasonably pushy sales conduct, and on GewO § 34d itself plus the VAG and GwG for the permission, supervision and anti-money-laundering duties that apply to the intermediary rather than the customer. A frequent trap is confusing who owes which duty: disclosure binds the customer, advice and documentation bind the intermediary.
What does social insurance and provision cover?
This area links the statutory pension with the private and occupational products sitting above it. It tests the pension formula, built from personal earnings points, a pension-type factor and the current pension value, along with the qualifying periods that decide whether a pension exists at all rather than how large it is. It also covers when self-employed people fall under compulsory pension insurance under SGB VI § 2, a narrower exception than it looks, and where subsidised provision such as Riester contracts sits next to ordinary private life and pension insurance. Occupational disability cover and the state’s reduced-earning-capacity pension get tested together too, since they protect different things: one the occupation last practised, the other only the general ability to work a minimum number of hours.
What does accident, health and long-term care insurance cover?
Nearly every question here asks which system applies: statutory accident insurance under SGB VII, statutory health insurance under SGB V, long-term care under SGB XI, or private accident and health cover under the VVG. Statutory accident insurance protects an insured activity rather than a person around the clock, so questions about commuting accidents turn on the connection to employment. Private accident cover instead requires four specific elements, a sudden external event that involuntarily damages health, and dropping any one of them means there is no accident in the policy’s sense. This area also covers how care grades are assessed across six independence-related modules, and how civil-service assistance interacts with private health cover for officials.
What does contents and buildings insurance turn on?
Arithmetic more than any other area. Once you establish whether the sum insured sits above, below, or level with the actual insured value, most questions answer themselves. Under- insurance reduces the payout in that ratio for every loss, including a partial one, not only on a total loss, which the topic notes flag as a common misconception in this area. An agreed valuation, where one exists, overrides the actual value even if the sum insured is set below it. The area also covers what happens to the policy when an insured building is sold, since the buyer takes over the contract automatically and only a timely special termination ends it.
What does liability, motor and legal-expenses insurance test?
Two separate questions, asked in order: does liability exist at all towards a third party, and does the insurance then cover it. Fault-based liability under BGB § 823 needs an unlawful, culpable act, while the strict liability rules in the StVG attach to operating a vehicle and need no fault. In compulsory motor liability cover, a third party stays protected even where the insurer could refuse to pay internally, since that objection cannot be used against the injured party, only recovered afterwards from the policyholder. This area also covers a liability insurer’s duty to defend against unfounded claims, which is a genuine contractual obligation and not a courtesy, and the limited choice of lawyer available under a legal-expenses policy.
Every fact above comes from the Versicherungsvermittlungsverordnung and the federal statutes it examines (VVG, VVG-InfoV, BGB, GewO, UWG, VAG, GwG, StVG, PflVG, EStG, SGB V, VI, VII and XI), all freely available at gesetze-im-internet.de. RiverMap Learning’s §34d practice app drills all five areas with original questions and topic notes that name the specific provision behind each answer, so revision stays anchored to the law rather than to guesswork about which area the real exam will weight more heavily.