Insurance broker / Caravan insurance / Policy wording archive Caravan insurance
BGV für Klassik: the policy wording in full
Kfz-Versicherung nach AKB 2026 für den Wohnwagenanhänger mit Haftpflicht, Teil- und Vollkasko zum Wiederbeschaffungswert, Verzicht auf grobe Fahrlässigkeit, ohne Ruheversicherung, Vorzelt und Inhalt.
German market: tariffs for people living in Germany.
Done in two minutes: your details are enough, we take care of the rest.
- Free for you, same price as going direct
- 4.98 out of 5 stars from 5,042 reviews
- On your side when you claim
Take out this policy through NAMMERT
You have already worked out with your AI what fits you.
All we need now are your details and a few answers.
We prepare your application with BGV.
- AI has advised
- 2Your details
- Application to BGV
Thank you, we have your application.
We prepare it with BGV and get back to you with the documents.
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 BGV für Klassik.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Die Regelungen nach H.1.2 sowie H.1.8 und H.1.9 gelten nicht für Wohnwagenanhänger“ | H.1.3, page 54 |
| Road registration required or deregistered caravans insurable | yes | „Wird das versicherte Fahrzeug außer Betrieb gesetzt und soll es zu einem späteren …“ | H.1.1, page 54 |
| Maximum age of the caravan at inception (years since first registration) | not addressed | ||
| Motor liability limit for the trailer (combined single limit) | yes, up to the sum insured | „Unsere Zahlungen für ein Schadenereignis sind jeweils beschränkt auf die Höhe der für …“ | A.1.3.1, page 15 |
| Liability of the combination: rule between trailer and towing vehicle (recourse, cover via towing vehicle) | yes | „Ist mit dem versicherten Kraftfahrzeug ein Anhänger oder Auflieger verbunden, erstreckt …“ | A.1.1.4, page 14 |
| Dormant cover when deregistered or out of season (duration in months) | no | „Die Regelungen nach H.1.2 sowie H.1.8 und H.1.9 gelten nicht für Wohnwagenanhänger“ | H.1.3, page 54 |
| Seasonal and interchangeable plates possible | no | „Die Bestimmungen von H.2.1 finden keine Anwendung auf Verträge für Wohnwagenanhänger.“ | H.2.2, page 55 |
| Occasional rental to third parties allowed | not addressed | ||
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | yes | „Sie haben in der Kaskoversicherung Versicherungsschutz in den geographischen Grenzen …“ | A.2.4, page 15 |
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 | „Versichert sind Brand und Explosion.“ | A.2.2.1.1, page 18 |
| Theft of the whole caravan, also when uncoupled and parked | yes, up to the sum insured | „Versichert sind Diebstahl und Raub sowie die Herausgabe des Fahrzeugs aufgrund …“ | A.2.2.1.2, page 18 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Sturm (mindestens Windstärke 8), Hagel, Blitzschlag, Überschwemmung“ | A.2.2.1.3, page 18 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „Vulkanausbruch, Erdbeben, Erdrutsch, Erdsenkung, Lawinen (nicht Dachlawinen) auf das …“ | A.2.2.1.3, page 19 |
| Glass breakage including plastic windows and roof vents | yes, up to the sum insured | „Als Verglasung gelten Glas- und Kunststoffscheiben (z. B. Front-, Heck-, Dach-, Seiten …“ | A.2.2.1.6, page 18 |
| 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 | „Versichert sind Schäden am Fahrzeug durch Unfall.“ | A.2.2.2.2, page 5 |
| Malicious damage by third parties | yes, up to the sum insured | „Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise …“ | A.2.2.2.4, page 19 |
| New value compensation for total loss or theft (months or years since first registration) | no | „Bei Pkw (ausgenommen Mietwagen, Taxen, Selbstfahrervermiet-Pkw und Leasing-Fahrzeuge) …“ | A.2.5.1.2, page 24 |
| Waiver of the gross negligence defence | yes | „Wir verzichten Ihnen gegenüber in der Kaskoversicherung auf den Einwand der grob …“ | A.2.9.2, page 29 |
| 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 | no | „Campingausrüstung (soweit nicht fest eingebaut), Faltgarage/Regenschutzplane, Foto- und …“ | A.2.1.2.4, page 18 |
| 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) | yes | „Spezialaufbauten und Spezialeinrichtungen an Fahrzeugen, wie zum Beispiel Wohnkabinen“ | A.2.1.2.3, page 18 |
| 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 | no | „Reisegepäck, persönliche Gegenstände der Insassen, Brillen, Campingausrüstung (soweit …“ | A.2.1.2.4, page 18 |
| Sum insured for contents | not addressed | ||
| Contents in the awning (own limit) | not addressed | ||
| Valuables, cash and jewellery (limit) | not addressed | ||
| Entertainment and mobile electronics (TV, laptop, camera) | not addressed | ||
| Bicycles and e-bikes on the pitch or on the rack | not addressed | ||
| Burglary from the locked caravan | not addressed | ||
| 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 | not addressed |
Permanent camping and pitch
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Permanent camping on a fixed pitch insurable | not addressed | ||
| 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) | yes, up to the sum insured | „Kann das Fahrzeug nach einer Panne oder einem Unfall die Fahrt aus eigener Kraft nicht …“ | A.3.6, page 30 |
| Towing and recovery of the caravan (limit in euros) | yes, up to EUR 200 | „Lassen Sie selbst Ihr Fahrzeug in die nächstgelegene, geeignete Werkstatt abschleppen …“ | A.3.6.3, page 31 |
| Repatriation of the caravan if the towing vehicle fails | yes | „Versichert ist das im Versicherungsschein bezeichnete Fahrzeug, sowie ein mitgeführter …“ | A.3.3, page 30 |
| Accommodation costs if the caravan is unusable | yes, up to EUR 100 | „Wir übernehmen die Kosten bis höchstens 100 Euro (mit Frühstück) je Übernachtung und …“ | A.3.7.2, page 31 |
Contract, duties and excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess in partial cover | yes | „Ist eine Selbstbeteiligung vereinbart, wird diese bei jedem Schadenereignis für jedes …“ | A.2.5.9, page 28 |
| Excess in comprehensive cover | yes | „Ihrem Versicherungsschein können Sie entnehmen, ob und in welcher Höhe Sie eine …“ | A.2.5.9, page 28 |
| Excess in contents and permanent camping cover | not addressed | ||
| 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 Einstellraum (z. B. einer Einzel- oder Sammelgarage) oder auf einem …“ | H.1.5, page 54 |
| Underinsurance waiver or new value sum with adjustment | not addressed | ||
| No claims rating or bonus malus for caravans | no | „Anhänger und Auflieger,“ | I.1, page 13 |
| Term and cancellation (seasonal contract, cancellation after a claim) | yes | „Ist der Vertrag mit einer Laufzeit von einem Jahr abgeschlossen, verlängert er sich zum …“ | G.1.3, page 50 |
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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- BGV-Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Verbraucherinformation zu Ihrer Kfz-Versicherung (AKB 2026, Klassik-Tarif) Edition: Versicherungsbedingungen Kraftfahrt 2026, Stand 04/2026 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 BGV für Klassik and available as plain text.
Volltext BGV für Klassik Wohnwagenversicherung · As text (Markdown) BGV für Klassik Caravan insurance