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Ammerländer WoMobil-Versicherung: the policy wording in full
Inhaltsversicherung für Wohnmobile, Wohnwagen und Pkw mit 20.000 Euro Versicherungssumme, weltweit, mit Einbruchdiebstahl, Elementar, Unfall und Inhalt im Vorzelt, ohne Schutz für den Wohnwagen selbst.
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Everything about this policy
What the policy covers: 64 points, each with its clause
Quotes are shortened.
The full German wording of each point is on the German page for Ammerländer WoMobil-Versicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Versichert ist der Inhalt von: Wohnmobilen Wohnwagen“ | Leistungseinschlüsse, page 1 |
| Road registration required or deregistered caravans insurable | yes | „Nicht versichert sind Kraftfahrzeuge, die nicht zugelassen, mit einem roten Kennzeichen …“ | § 11 Nr. 2 g), page 16 |
| Maximum age of the caravan at inception (years since first registration) | not addressed | ||
| Motor liability limit for the trailer (combined single limit) | not addressed | ||
| Liability of the combination: rule between trailer and towing vehicle (recourse, cover via towing vehicle) | not addressed | ||
| Dormant cover when deregistered or out of season (duration in months) | not addressed | ||
| Seasonal and interchangeable plates possible | not addressed | ||
| Occasional rental to third parties allowed | not addressed | ||
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | yes | „Der Versicherungsschutz gilt weltweit ohne zeitliche Begrenzung.“ | § 11 Nr. 1, page 3 |
Partial and comprehensive cover of the caravan
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire and explosion, including from the gas system | yes, up to the sum insured | „a) Brand; b) Explosion; c) Blitzschlag; d) Luftfahrzeuge, zerstört oder beschädigt werden.“ | § 2 Nr. 1, page 12 |
| Theft of the whole caravan, also when uncoupled and parked | not addressed | ||
| Storm, hail, lightning and flood | yes, up to the sum insured | „Sturm ist eine wetterbedingte Luftbewegung von mindestens Windstärke 8 nach Beaufort“ | § 4 Nr. 2, page 13 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „a) Überschwemmung; b) Erdbeben; c) Erdsenkung; d) Erdrutsch; e) Schneedruck; f) …“ | § 5 Nr. 1, page 13 |
| Glass breakage including plastic windows and roof vents | not addressed | ||
| Animal bites to cables and lines including consequential damage | not addressed | ||
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „Der Versicherer leistet Entschädigung für versicherte Sachen, die durch einen Unfall …“ | § 7 Nr. 1, page 12 |
| Malicious damage by third parties | yes, up to the sum insured | „Vandalismus nach einem Einbruch liegt vor, wenn der Täter auf eine der in Nr. 2 …“ | § 3 Nr. 3, page 12 |
| New value compensation for total loss or theft (months or years since first registration) | yes | „Versicherungswert ist der Wiederbeschaffungswert von Sachen gleicher Art und Güte in …“ | § 10 Nr. 2 a), page 15 |
| Waiver of the gross negligence defence | no | „Führt der Versicherungsnehmer den Schaden grob fahrlässig herbei ... seine Leistung in …“ | § 22 Nr. 1 b), page 19 |
| Moisture, leaks and rot of the body excluded | not addressed |
Awning, add-ons and accessories
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Awning tent, sun canopy and travel awning | not addressed | ||
| Permanent awning insured only if winter and storm proof (condition) | not addressed | ||
| Storm damage to the awning covered (wind force, exclusion for travel awnings) | not addressed | ||
| Roll out awning (wind out canopy) | not addressed | ||
| Fixed additions on the pitch (protective roof, timber porch, terrace, carport, fence) | not addressed | ||
| Built in living equipment (kitchen, fridge, heating, sanitary) | not addressed | ||
| Retrofitted accessories (value limit without notification) | not addressed | ||
| Caravan mover, satellite system and solar panels | not addressed | ||
| Gas bottles, gas system and gas inspection as condition | not addressed | ||
| Water from tanks and pipes and frost damage | not addressed |
Contents
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal contents in the caravan and awning insured | yes, up to the sum insured | „Versichert sind alle Sachen des persönlichen Bedarfs und beruflich / gewerblich …“ | § 9 Nr. 1, page 13 |
| Sum insured for contents | yes, up to EUR 20,000 | „Die Versicherungssumme beträgt 20.000 Euro.“ | Informationsblatt, page 3 |
| Contents in the awning (own limit) | yes, up to EUR 7,500 | „Sachen im Vorzelt (auch Dachzelt) sowie Sachen auf der selbstgenutzten Parzelle …“ | § 9 Nr. 2 b) hh), page 14 |
| Valuables, cash and jewellery (limit) | yes, up to EUR 3,500 | „Die maximale Entschädigungsleistung für Wertsachen und Bargeld beträgt insgesamt 3.500 …“ | § 9 Nr. 2 c), page 14 |
| Entertainment and mobile electronics (TV, laptop, camera) | yes, up to EUR 7,500 | „Für die folgenden Sachen ist die Maximalentschädigung je Versicherungsfall auf 7.500 …“ | § 9 Nr. 2 b), page 14 |
| Bicycles and e-bikes on the pitch or on the rack | yes, up to EUR 7,500 | „gesondert mit einem Sicherheits-Bügelschloss oder mit einem Panzerkabelschloss“ | § 9 Nr. 2 b) dd), page 14 |
| Burglary from the locked caravan | yes, up to EUR 20,000 | „Voraussetzung für den Versicherungsschutz ist, dass es sich um verschlossene …“ | § 3 Nr. 2, page 12 |
| Simple theft from the awning or the pitch | yes | „Einbruchdiebstahl in Vorzelten;“ | § 3 Nr. 1 b), page 3 |
| Night time clause or duty to park on a guarded site | yes | „Bei Schäden zwischen 24 Uhr und 6 Uhr besteht ein Selbstbehalt in Höhe von 250 EURO“ | § 11 Nr. 2 e), page 15 |
| Contents in winter storage insured | yes, up to the sum insured | „Mitversichert ist das Abstellen des Kraftfahrzeuges im Winterlager: aa) in einem …“ | § 11 Nr. 2 d), page 15 |
Permanent camping and pitch
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Permanent camping on a fixed pitch insurable | yes | „Versichert ist der Inhalt von Kraftfahrzeugen ... auf einem Campingplatz (Dauercamping) …“ | § 11 Nr. 2 b), page 9 |
| Cover only on an official campsite or fenced property | none | „Versicherungsschutz besteht auch für Sachen in Wohnmobilen ... unbeaufsichtigt …“ | § 11 Nr. 2 e), page 15 |
| Pitch only in the home country or in named countries | not addressed | ||
| Fire, lightning and explosion on the pitch (building type cover, new value) | not addressed | ||
| Liability as holder of the pitch and the parked caravan | not addressed | ||
| Power, water and sewage connections on the pitch | not addressed | ||
| Consequences of longer vacancy (period in days, winter break) | not addressed | ||
| Clearance, demolition and disposal costs after a loss | not addressed |
Assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Breakdown and accident help for the caravan (also without defect of the towing vehicle) | not addressed | ||
| Towing and recovery of the caravan (limit in euros) | not addressed | ||
| Repatriation of the caravan if the towing vehicle fails | not addressed | ||
| Accommodation costs if the caravan is unusable | not addressed |
Contract, duties and excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess in partial cover | not addressed | ||
| Excess in comprehensive cover | not addressed | ||
| Excess in contents and permanent camping cover | yes, excess EUR 250 | „Bei Schäden zwischen 24 Uhr und 6 Uhr besteht ein Selbstbehalt in Höhe von 250 EURO“ | § 11 Nr. 2 e), page 15 |
| Required anti theft device (hitch lock, wheel clamp, tracker) | not addressed | ||
| Duty to store under cover or in a secured winter storage | yes | „in einem verschlossenen Raum / Garage;“ | § 11 Nr. 2 d), page 15 |
| Underinsurance waiver or new value sum with adjustment | not addressed | ||
| No claims rating or bonus malus for caravans | not addressed | ||
| Term and cancellation (seasonal contract, cancellation after a claim) | yes | „Bei einer Vertragsdauer von mindestens einem Jahr verlängert sich der Vertrag um …“ | Stillschweigende Verlängerung, Nr. 3, page 17 |
Austria and Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Austria: trailers under 750 kg via the towing vehicle and insurance tax notes | not addressed | ||
| Spain: caravan under 750 kg in the towing vehicle policy (notification duty) | not addressed | ||
| Spain: voluntary liability for the trailer beyond the compulsory cover | not addressed | ||
| Spain: extraordinary risks via the Consorcio de Compensación de Seguros | not addressed |
Evaluated by NAMMERT from published policy wordings.
Despite care, a value may be misread;
legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- AMMERLÄNDER VERSICHERUNG Versicherungsverein a.G. (VVaG)
- Distribution
- available through brokers
- Kundeninformation zur WoMobil-Versicherung Edition: WMV 02.2022 Original from the insurer (PDF, German)
- Leistungseinschlüsse zur WoMobil-Versicherung (verweist auf WMV 02.2022) Edition: WoMobil_LE_02_2022-09042025 Original from the insurer (PDF, German)
Full text of the wording
The full text exists only in German.
It is printed on the German page for Ammerländer WoMobil-Versicherung and available as plain text.
Volltext Ammerländer WoMobil-Versicherung Wohnwagenversicherung · As text (Markdown) Ammerländer WoMobil-Versicherung Caravan insurance