How much does motorhome insurance cost in Germany?

Published premium ranges for motorhomes in Germany, 2026, per year.

Motorhomes (Wohnmobil) are driven little on average and cause fewer accidents than everyday cars. Liability is therefore often cheaper than for a car. Partial and comprehensive cover get expensive, because damage to the living area quickly reaches five figures and the vehicles often cost EUR 50,000 or more.

Your no-claims class, where you live, the age of the drivers, annual mileage and where the vehicle is parked also count. Some policies only accept motorhomes up to a certain age or weight.

If you have no German driving history, a motorhome can start in a low class and cost far more than the figures above. Many insurers consider a claims history statement from your previous insurer. Within the EU they have to treat such a statement like a German one when they use claims history at all. For statements from outside the EU it depends on the insurer.

If you already have a car insured in Germany with some claim free years, ask for a second vehicle classification. Many insurers place a motorhome in a better class based on the car. Also check your licence: a car licence (class B) covers motorhomes up to 3.5 tonnes, heavier vehicles need class C1.

Partial and comprehensive cover protect the vehicle with fixed parts, meaning kitchen, bathroom, furniture and usually awning and solar panels. Report parts you added later, otherwise they are missing from the sum. Loose things such as bikes on the rack, clothes, laptop and camping furniture are not covered.

Contents insurance (Hausrat) helps only to a limited extent on the road, because outside the home it often pays only a small part of the sum and frequently excludes theft from vehicles. If you carry a lot of gear, a contents add-on for the motorhome is the better choice. With little luggage you can skip it.

Breakdown cover (Schutzbrief) organises towing, spare parts and transport home. Check that it applies to your weight and length: some only cover vehicles up to 3.5 tonnes or cap the cost of bringing a large vehicle back.

Within the EU liability applies without an add-on. If you drive to Turkey, Morocco or other countries outside the EU, you need the Green Card with the right country code. For long trips, check how long partial and comprehensive cover apply abroad in one go.

Motorhomes over 3.5 tonnes can be insured, but the choice is smaller and the cover more expensive. The tax rises too, at 6.6 tonnes it is already around EUR 495 a year.

If you occasionally rent your motorhome to others, tell the insurer beforehand. Many private policies exclude renting out, and then cover is missing after a claim. Renting through a platform often brings its own insurance, but check what remains with your own policy.