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ARAG Camper-Haushaltsschutz: the policy wording in full
Inhaltsversicherung für privat genutzte Wohnmobile und Wohnwagen in Europa zum Neuwert auf erstes Risiko, mit Einbruchdiebstahl, Unfall und Naturgefahren, ohne Schutz für das Fahrzeug selbst und das Vorzelt.
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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 ARAG Camper-Haushaltsschutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Camper-Haushaltsschutz für privat genutzte Wohnmobile und Wohnwagen“ | Titel, page 1 |
| Road registration required or deregistered caravans insurable | not addressed | ||
| 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) | yes | „Eine Außerbetriebsetzung des Wohnmobils/Wohnwagens berührt den Versicherungsschutz …“ | Allgemeiner Teil §3 Nr. 6, page 18 |
| Seasonal and interchangeable plates possible | yes | „Versicherungsschutz für die Inhaltsversicherung besteht auch außerhalb der Saison …“ | Allgemeiner Teil §3 Nr. 7, page 18 |
| Occasional rental to third parties allowed | no | „ausschließlich privat genutzten Fahrzeug, das weder als Selbstfahrer-Vermiet- oder …“ | §6 Nr. 1, page 13 |
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | yes | „solange es sich in den geographischen Grenzen Europas, den außereuropäischen Ländern …“ | §6 Nr. 4, page 4 |
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 und Explosion,“ | §1 Nr. 1, page 3 |
| 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, page 12 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | not addressed | ||
| 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 | „e) Unfall des Wohnmobils/Wohnwagens“ | §1 Nr. 1, page 11 |
| Malicious damage by third parties | yes, up to the sum insured | „b) Vandalismus nach einem Einbruch,“ | §3 Nr. 1, page 11 |
| New value compensation for total loss or theft (months or years since first registration) | yes | „Versicherungswert ist der Wiederbeschaffu gswert von Sachen gleicher Art und Güte in …“ | §7 Nr. 1 a), page 14 |
| Waiver of the gross negligence defence | no | „Führt der Versicherungsnehmer den Schaden grob fahrlässig herbei, so ist der …“ | Besondere Gründe Nr. 1 b), page 23 |
| 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 ist der mitgeführte Inhalt (Hausrat) des Versicherungsnehmers und der mit …“ | §6 Nr. 1, page 13 |
| Sum insured for contents | yes, up to the sum insured | „Als Versicherungssumme steht der im Versicherungsschein genannte Betrag zur Verfügung.“ | §7 Nr. 2, page 4 |
| Contents in the awning (own limit) | not addressed | ||
| Valuables, cash and jewellery (limit) | no | „Bargeld, Wertpapiere, Sparbücher, sowie Urkunden und Dokumente aller Art“ | §6 Nr. 3 b), page 14 |
| Entertainment and mobile electronics (TV, laptop, camera) | yes, up to the sum insured | „Computer aller Art (einschließlich Drucker, Scanner, Modem, Laptops, Notebooks und …“ | §6 Nr. 2.4 c), page 14 |
| Bicycles and e-bikes on the pitch or on the rack | yes, up to the sum insured | „außen am Wohnmobil/Wohnwagen befestigte Fahrräder und sonstige Sportgeräte müssen mit …“ | §6 Nr. 2.4 e), page 14 |
| Burglary from the locked caravan | yes, up to the sum insured | „in das Wohnmobil/Wohnwagen einbricht oder mittels eines Schlüssels, dessen Anfertigung …“ | §3 Nr. 2 a), page 11 |
| Simple theft from the awning or the pitch | not addressed | ||
| Night time clause or duty to park on a guarded site | not addressed | ||
| Contents in winter storage insured | yes, up to the sum insured | „Eine Außerbetriebsetzung des Wohnmobils/Wohnwagens berührt den Versicherungsschutz nicht“ | Allgemeiner Teil §3 Nr. 6, page 18 |
Permanent camping and pitch
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Permanent camping on a fixed pitch insurable | no | „(kein Dauercampingplatz)“ | Allgemeiner Teil §3 Nr. 6, page 9 |
| Cover only on an official campsite or fenced property | not addressed | ||
| 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 | „es sei denn, die Höhe des Schadens liegt unterhalb des vereinbarten Selbstbehaltes.“ | Versicherteninformation, page 7 |
| Required anti theft device (hitch lock, wheel clamp, tracker) | not addressed | ||
| Duty to store under cover or in a secured winter storage | yes | „sofern das Fahrzeug in einem Einstellraum oder auf einem umfriedeten Abstellplatz (kein …“ | Allgemeiner Teil §3 Nr. 6, page 18 |
| Underinsurance waiver or new value sum with adjustment | yes | „Der Versicherungsschutz gilt auf erstes Risiko, d.h. auf die Anrechnung einer …“ | §9 Nr. 5, page 15 |
| 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 …“ | Allgemeiner Teil §3 Nr. 2, page 18 |
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
- ARAG Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Bedingungen ARAG Camper-Haushaltsschutz für privat genutzte Wohnmobile und Wohnwagen (CHSB 2021) Edition: Stand 08.2021 (PDF27844 12.2021) 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 ARAG Camper-Haushaltsschutz and available as plain text.
Volltext ARAG Camper-Haushaltsschutz Wohnwagenversicherung · As text (Markdown) ARAG Camper-Haushaltsschutz Caravan insurance