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Caravan insurance in Germany: trailer, awning, contents and seasonal pitch

A caravan has no engine and no driver, which is why German insurers treat it differently from a motorhome. As a trailer it needs its own third-party liability policy, but it never earns a no-claims discount. Kasko protects the van and, if named, the awning, while clothes, electronics and crockery usually need separate contents cover. Once a caravan is deregistered and parked on a seasonal pitch, a dedicated static caravan policy fits better than a motor contract.

The question almost everyone asks first

What insurance does my caravan actually need in Germany?

As long as it is registered, it needs its own motor liability policy, otherwise you will not get a number plate. A new or valuable caravan should also have Kasko, and the policy should name the awning. Loose belongings are usually not part of Kasko, that is what contents cover is for. If the caravan is deregistered and stays on a seasonal pitch, the liability requirement ends and a static caravan policy protects the van and what is inside.

Hitched or parked: who pays for damage

Since July 2020 section 19 of the German Road Traffic Act sets out liability for car and trailer combinations. Towards an injured party, the keepers of the car and of the caravan are jointly liable, so the claimant can turn to either. Between the two insurers the car's policy normally carries the loss. The caravan side only pays when the damage came from a risk specific to the trailer.

The caravan's own liability policy still matters. Once it is unhitched on a pitch it is the only cover in play, for example if the van rolls away and hits someone else's car. In 2023 the Federal Court of Justice also confirmed that reversing with a trailer counts as towing it.

Awning, canopy and accessories: what Kasko covers

Partial Kasko (Teilkasko) covers theft, storm, hail, lightning, fire and glass. Comprehensive Kasko (Vollkasko) adds damage you cause yourself, for example clipping a gatepost while manoeuvring. For a new or high-end caravan comprehensive cover is usual for the first years, for an older one partial cover is often enough.

The awning is the most common gap. Some policies include it up to a limit, others only for an extra premium. Check that the awning and any wind-out canopy are named in the schedule, and report one you bought later. The same goes for a motor mover, solar panel or satellite dish added after purchase.

Seasonal pitch: when the caravan is deregistered

If you leave your caravan on a campsite for the season and deregister it, motor liability is no longer required. In most contracts, though, Kasko ends with the plates unless the policy includes dormant cover (Ruheversicherung). Clarify this before you deregister, or the van may sit unprotected for months.

German insurers offer dedicated policies for this, known as Dauercamping cover. They work like a mix of Kasko and contents insurance and protect the van, awning and inventory against storm, fire, burglary and, depending on the policy, snow load or vandalism. Many require the caravan to stand on an official campsite or in winter storage.

Caravan or motorhome: why they are separate contracts

A motorhome is a motor vehicle with an engine and a driver, a caravan is a trailer. That drives the differences: no no-claims class for the caravan, and when towing the car's liability normally carries the loss. Breakdown help and repatriation depend on a breakdown policy, so check whether yours names the caravan.

If you are choosing between the two, or own both, look at the contracts separately. What matters for a motorhome, chassis, engine and Kasko territory for long trips, is on our motorhome insurance page.

What is covered

  • Liability: damage the parked or detached caravan causes to others
  • Partial Kasko: theft of the whole caravan and fixed parts
  • Partial Kasko: storm, hail, lightning, fire, explosion, flood and glass
  • Comprehensive Kasko: damage you cause yourself, for example when manoeuvring or hitching
  • Comprehensive Kasko: vandalism by unknown persons
  • Awning and canopy, if named in the policy
  • Contents cover: clothes, crockery, electronics and camping furniture against burglary, fire and storm
  • Seasonal pitch policy: deregistered caravan and inventory on a long term pitch

What is not covered

  • Damp that creeps in through failing seals over years, without an insured event
  • Wear on tyres, axle, brakes and the overrun coupling
  • Loose belongings under Kasko alone, that is a job for contents cover
  • An awning that is not named or was never reported
  • A deregistered caravan without dormant cover or a seasonal pitch policy
  • Breakdown help and repatriation, which belong to a breakdown policy

Who needs it

  • Every keeper of a registered touring caravan in Germany
  • Buyers of new or financed caravans who need comprehensive cover
  • Anyone travelling with a large awning, canopy or motor mover
  • Seasonal campers whose caravan stays deregistered on a pitch
  • Anyone who leaves electronics, bikes or a lot of kit in the van

Who does not need it

  • Comprehensive cover for an old caravan of little value, if you could absorb a total loss
  • Motor liability for a caravan that stays permanently deregistered on its pitch

Wheel of misfortune

Spin the wheel of bad luck

Six things that really happen. The wheel picks yours and shows who pays.

See all six cases
  1. Storm rips the awning, a few hundred to several thousand euros. Budget policy: pays in part, Strong policy: pays. Storm is a partial Kasko event, but the awning is only paid if the policy names it. Strong policies include it with its own sum.
  2. Gatepost hit while manoeuvring, a few hundred to several thousand euros on the body. Budget policy: does not pay, Strong policy: pays. Damage you cause yourself is an accident claim and only covered by comprehensive Kasko.
  3. Hail smashes the roof light, a few hundred to several thousand euros. Budget policy: pays, Strong policy: pays. Hail is a classic partial Kasko claim, and rain getting in afterwards belongs to the same event.
  4. Break-in on the campsite, laptop, camera and cash, easily four figures. Budget policy: pays in part, Strong policy: pays in part. Partial Kasko pays for the forced door. The stolen items only contents cover pays, cash usually not at all or only up to a small limit.
  5. Unhitched van rolls into a car, damage to the other vehicle. Budget policy: pays, Strong policy: pays. Here the caravan's own liability policy pays, not the car's. Damage to your own caravan is only covered by comprehensive Kasko.
  6. Damp rots the floor, repair often in four figures. Budget policy: does not pay, Strong policy: does not pay. Water creeping in without storm, hail or accident is not an insured event. Only regular damp checks help.

What it costs

The premium for a caravan does not depend on a no-claims class, but mainly on value, use and the cover you choose. An older van with liability only and a new caravan with comprehensive cover and an awning are far apart. So we list what drives the price instead of quoting averages.

What drives the premium

  • Value and age of the caravan
  • Gross vehicle weight
  • Year round registration, seasonal plates or deregistration
  • Partial or comprehensive Kasko and the excess
  • Awning, canopy and accessories as a separate sum
  • Contents cover as an add on
  • Seasonal pitch instead of touring

We do not quote ranges because value, equipment and use vary too much from one caravan to the next. Your premium is only fixed in the quote.

The policy levels on the market

01

Basic

Liability with a high flat limit and partial Kasko against theft, storm, hail and fire. Awning only if expressly named. Fine for older caravans of moderate value.

02

Comfort

Comprehensive Kasko that waives the gross negligence defence, awning and canopy with their own sum, accessories such as a mover included. The usual choice for caravans up to ten years old.

03

Premium

New value or purchase price settlement for several years, contents cover with electronics and bikes, dormant cover for the off season. Worth it for new and high-end caravans.

How to recognise a good policy

CriterionMinimum standardStrong policyWhy it matters
Liability limit EUR 100m flat EUR 100m with a high limit per injured person A detached caravan rolling away can cause serious injury.
Awning and canopy named, with a fixed limit own sum matching replacement value, later purchases included A large awning is expensive and the first thing to suffer in a storm.
Accessories fixed parts included mover, solar and satellite dish with their own limit Retrofitted kit adds up and is otherwise missing after a loss.
Gross negligence waived in partial Kasko waived in partial and comprehensive Kasko A forgotten corner steady or open roof light would otherwise reduce the payout.
New value settlement twelve months 24 months or more, purchase price for used vans A caravan loses a good part of its value in the first years.
Contents burglary and fire all risks including electronics and bikes Thieves usually take what is inside, not the caravan.
Off season dormant cover when deregistered seasonal pitch cover for van, awning and inventory Without it a deregistered caravan sits in winter storage unprotected.

Insurers on the German market

Almost every large German motor insurer covers caravans, and several offer seasonal pitch policies as a separate product. This is a market overview, not a statement about who we work with.

InsurerBackground
Allianzcaravan cover and its own seasonal pitch policy, agents and brokers
Württembergischededicated caravan policy, part of the W&W group
R+Vtrailer insurance, insurer of the cooperative banks
HUK-COBURGown sales force, does not work with brokers
VHVstrong in broker distribution
DA Direktdirect insurer of the Zurich group
ADAC Autoversicherunginsurer of the German motoring club, sold direct
Gothaeragents and brokers

Compare the wordings of all tariffs Caravan insurance 21 tariffs from 18 providers, as of 24 October 2026

From the BaFin register

106

106 insurers supervised by BaFin, the German regulator, are licensed for this class of insurance.

(Kraftfahrzeug-Haftpflicht, Kraftfahrzeug-Kasko)

Show all 106 names from the register
  • ACM Versicherung AG
  • ADAC Autoversicherung AG
  • ADLER Versicherung AG
  • Allianz Direct Versicherungs-AG
  • Allianz Global Corporate & Specialty SE
  • Allianz Versicherungs-Aktiengesellschaft
  • Alte Leipziger Versicherung Aktiengesellschaft
  • Ambra Versicherung AG
  • andsafe Aktiengesellschaft
  • ARAG Allgemeine Versicherungs-Aktiengesellschaft
  • AXA easy Versicherung AG
  • AXA Versicherung Aktiengesellschaft
  • BA die Bayerische Allgemeine Versicherung AG
  • Badischer Gemeinde-Versicherungs-Verband
  • Baloise Sachversicherung Aktiengesellschaft Deutschland
  • Barmenia Allgemeine Versicherungs-Aktiengesellschaft
  • BavariaDirekt Versicherung AG
  • Bayerischer Versicherungsverband Versicherungsaktiengesellschaft
  • BGV-Versicherung Aktiengesellschaft
  • CG Car-Garantie Versicherungs-Aktiengesellschaft
  • Concordia Versicherungs-Gesellschaft auf Gegenseitigkeit
  • Continentale Sachversicherung Aktiengesellschaft
  • Cosmos Versicherung Aktiengesellschaft
  • DA Deutsche Allgemeine Versicherung Aktiengesellschaft
  • DARAG Deutschland AG
  • Debeka Allgemeine Versicherung Aktiengesellschaft Sitz Koblenz am Rhein
  • DEVK Allgemeine Versicherungs-Aktiengesellschaft
  • DEVK Deutsche Eisenbahn Versicherung Sach- und HUK-Versicherungsverein a.G. Betriebliche…
  • Dialog Versicherung Aktiengesellschaft
  • ERGO Direkt Versicherung Aktiengesellschaft
  • ERGO Reiseversicherung AG
  • ERGO Versicherung Aktiengesellschaft
  • EUROPA Versicherung Aktiengesellschaft
  • Fahrlehrerversicherung Verein auf Gegenseitigkeit
  • Feuersozietät Berlin Brandenburg Versicherung Aktiengesellschaft
  • GARANTA Versicherungs-Aktiengesellschaft
  • Generali Deutschland Versicherung AG
  • Gothaer Allgemeine Versicherung Aktiengesellschaft
  • Gothaer Versicherungsbank VVaG
  • Great Lakes Insurance SE
  • GVO Gegenseitigkeit Versicherung Oldenburg VVaG
  • GVV Direktversicherung AG
  • GVV-Kommunalversicherung, Versicherungsverein auf Gegenseitigkeit
  • Haftpflichtgemeinschaft Deutscher Nahverkehrs- und Versorgungsunternehmen Allgemein (HDNA) VVaG
  • Hamburger Feuerkasse Versicherungs-Aktiengesellschaft
  • HanseMerkur Allgemeine Versicherung AG
  • HanseMerkur Reiseversicherung AG
  • HDI Global SE
  • HDI Global Specialty SE
  • HDI Haftpflichtverband der Deutschen Industrie Versicherungsverein auf Gegenseitigkeit
  • HDI Versicherung AG
  • Helvetia Schweizerische Versicherungsgesellschaft AG Direktion für Deutschland
  • Helvetia Versicherungs-Aktiengesellschaft
  • HUK-COBURG Haftpflicht-Unterstützungs-Kasse kraftfahrender Beamter Deutschlands a.G. in Coburg
  • HUK-COBURG-Allgemeine Versicherung AG
  • HUK24 AG
  • Hübener Versicherungs-Aktiengesellschaft
  • Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein auf Gegenseitigkeit
  • Janitos Versicherung Aktiengesellschaft
  • KRAVAG-ALLGEMEINE Versicherungs-Aktiengesellschaft
  • KRAVAG-LOGISTIC Versicherungs-Aktiengesellschaft
  • Landschaftliche Brandkasse Hannover
  • Lifestyle Protection AG
  • Lippische Landesbrandversicherung AG
  • LVM Landwirtschaftlicher Versicherungsverein Münster a.G.
  • Mannheimer Versicherung Aktiengesellschaft
  • Markel Insurance SE
  • Mecklenburgische Versicherungs-Gesellschaft auf Gegenseitigkeit
  • MÜNCHENER VEREIN Allgemeine Versicherungs-AG
  • NEH Neue Hildener Versicherung AG
  • Neodigital Autoversicherung AG
  • Newline Europe Versicherung AG
  • nexible Versicherung AG
  • NV-Versicherungen VVaG
  • NÜRNBERGER Allgemeine Versicherungs-Aktiengesellschaft
  • NÜRNBERGER BEAMTEN ALLGEMEINE VERSICHERUNG AKTIENGESELLSCHAFT
  • OKV - Ostdeutsche Kommunalversicherung auf Gegenseitigkeit
  • Provinzial Nord Brandkasse Aktiengesellschaft
  • Provinzial Versicherung Aktiengesellschaft
  • R+V Allgemeine Versicherung Aktiengesellschaft
  • RheinLand Versicherungs Aktiengesellschaft
  • Rhion Versicherung Aktiengesellschaft
  • S DirektVersicherung Aktiengesellschaft
  • SAARLAND Feuerversicherung Aktiengesellschaft
  • SIGNAL IDUNA Allgemeine Versicherung Aktiengesellschaft
  • Sparkassen-Versicherung Sachsen Allgemeine Versicherung Aktiengesellschaft
  • Stuttgarter Versicherung Aktiengesellschaft
  • SV SparkassenVersicherung Gebäudeversicherung Aktiengesellschaft
  • TRIAS Versicherung Aktiengesellschaft
  • uniVersa Allgemeine Versicherung AG
  • Versicherer im Raum der Kirchen Sachversicherung AG
  • Versicherungskammer Bayern Versicherungsanstalt des öffentlichen Rechts
  • Versicherungsverband Deutscher Eisenbahnen-Versicherungsverein auf Gegenseitigkeit
  • Verti Versicherung AG
  • VHV Allgemeine Versicherung AG
  • Volkswagen Autoversicherung AG
  • Volkswagen Versicherung Aktiengesellschaft
  • VOLKSWOHL-BUND SACHVERSICHERUNG AKTIENGESELLSCHAFT
  • Waldenburger Versicherung Aktiengesellschaft
  • WERTGARANTIE SE
  • WGV-Versicherung AG
  • WWK Allgemeine Versicherung Aktiengesellschaft
  • Württembergische Gemeinde-Versicherung auf Gegenseitigkeit
  • Württembergische Versicherung Aktiengesellschaft
  • Zurich Insurance Europe AG
  • Öffentliche Feuerversicherung Sachsen-Anhalt

Source: BaFin company database, 18 September 2026; EU insurers without a German office excluded.

Legal basis and sources

Products and add-ons

Trailer liability

The mandatory cover for a registered caravan. Matters most once it is unhitched.

Partial Kasko

Theft, storm, hail, fire and glass. Often the sensible level for older caravans.

Comprehensive Kasko

Adds damage you cause yourself and vandalism. Standard for new and financed caravans.

Contents cover

For clothes, crockery, electronics and camping furniture. The sum should match what you actually keep inside.

Seasonal pitch policy

For a deregistered caravan on a long term pitch, usually with awning and inventory.

Seasonal plates

Registration only for the travel months, which lowers the premium accordingly.

Myth or truth

True or false?

Five things people say about this insurance. Guess first, then see the answer.

When towing, only my car insurance is ever liable.

This is false.

False. Since 2020 both keepers are liable towards the injured party. Between them the car usually pays, but the caravan side does when the cause lay in the trailer.

My caravan builds up a no-claims discount like a car.

This is false.

False. Trailers have no no-claims class in Germany. In return, a claim does not lead to a downgrade.

A deregistered caravan does not need motor liability.

This is true.

True. Without registration the requirement ends. The van and its contents on the pitch then need their own cover.

The gas inspection is mandatory for caravans too.

This is true.

True. Since 19 June 2025 the two-yearly inspection applies to vehicles with an LPG system, whether motorised or towed.

Every caravan Kasko policy automatically includes the awning.

This is false.

False. Many do, but not all, and often only up to a limit. Always report an awning you buy later.

Common mistakes

  • Not naming the awning, or not reporting a new one
  • Deregistering the caravan and forgetting that Kasko often ends too
  • Assuming the towing car's insurer always pays for everything
  • Letting the gas inspection lapse and having no certificate after a fire
  • Exceeding the car's nose weight limit and risking a reduced payout after an accident
  • Driving abroad at 100 km/h because of the German sticker, where local limits are lower

Frequently asked questions

Questions and answers

Frequently asked

Does my car insurance pay if the caravan causes damage while hitched?

Usually yes.

Both keepers are liable towards the injured party,

but between the insurers the car's liability policy normally carries the loss.

Only when the cause lay in the caravan itself does its insurer contribute.

Do caravans earn a no-claims discount in Germany?

No.

Caravans and other trailers have no no-claims class,

so a claim does not push the premium up through a downgrade either.

Is my awning covered?

That depends on the policy.

Some include it up to a limit, others only for an extra premium.

Ask for written confirmation and report any awning you buy later.

Do I need insurance if my caravan is deregistered on a campsite?

Not motor liability.

Without plates, though, Kasko usually ends as well.

A seasonal pitch policy then protects the van, awning and inventory,

often on condition that it stands on an official campsite or in winter storage.

Which driving licence do I need to tow a caravan?

With category B, car and caravan together may weigh up to 3,500 kg.

The B96 extension allows up to 4,250 kg after a training course without a test.

Heavier combinations need category BE.

Can I tow at 100 km/h?

On German motorways yes, if car and caravan meet the conditions and carry the Tempo 100 sticker.

Without it the limit is 80 km/h, and on country roads always 80 km/h.

Abroad the local rules apply.

Is the gas inspection mandatory for caravans?

Yes, again since 19 June 2025, every two years.

The certificate also helps with the insurer if the cause of a fire has to be established.

Does German household contents insurance cover a break-in to my caravan?

Do not rely on it.

The away from home part of household cover is mainly for belongings inside buildings.

Ask whether your policy includes the caravan, otherwise contents cover closes the gap.

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