Insurance broker / Caravan insurance / Policy wording archive Caravan insurance
DA Direkt Wohnwagenversicherung: the policy wording in full
Allgemeine Kfz-Bedingungen der DA Direkt (Stand 01.09.2026), die auch für Anhänger gelten: Teilkasko mit erweiterten Naturgefahren und Tierbissfolgeschäden bis 20.000 Euro, Verzicht auf den Einwand grober Fahrlässigkeit, keine Ruheversicherung und keine anteilige Saisonberechnung für Wohnwagenanhänger, keine Neuwertentschädigung.
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 DA Direkt.
- AI has advised
- 2Your details
- Application to DA Direkt
Thank you, we have your application.
We prepare it with DA Direkt 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 DA Direkt Wohnwagenversicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Ist mit dem Fahrzeug ein Anhänger oder Auflieger verbunden, erstreckt sich der …“ | A.1.1.4, page 5 |
| 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) | yes, up to EUR 100 million | „Pauschale Versicherungssumme von 100 Mio. EUR für Personen-, Sach- und Vermögensschäden.“ | A.1.3.1, page 6 |
| Liability of the combination: rule between trailer and towing vehicle (recourse, cover via towing vehicle) | yes | „Ist mit dem Fahrzeug ein Anhänger oder Auflieger verbunden, erstreckt sich der …“ | A.1.1.4, page 5 |
| Dormant cover when deregistered or out of season (duration in months) | no | „Die Regelungen nach H.1.1 gelten nicht für Wohnwagenanhänger“ | H.1.1 (3), page 32 |
| Seasonal and interchangeable plates possible | yes | „Die Sätze 1 und 2 gelten nicht für Wohnwagenanhänger.“ | H.2 (4), page 32 |
| Occasional rental to third parties allowed | not addressed | ||
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | yes | „Sie haben Versicherungsschutz in Europa in seinen geographischen Grenzen sowie in den …“ | A.1.4.1, page 7 |
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, page 9 |
| Theft of the whole caravan, also when uncoupled and parked | yes, up to the sum insured | „Versichert ist die Entwendung des Fahrzeugs, insbesondere durch Diebstahl und Raub.“ | A.2.2.2, page 9 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Versichert ist die unmittelbare Einwirkung der nachfolgend genannten Ereignisse auf das …“ | A.2.2.3, page 10 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „sowie Schneelawinen, Dachlawinen, Erdrutsch (Geröll- und Schlammlawinen), Erdbeben …“ | A.2.2.3, page 10 |
| Glass breakage including plastic windows and roof vents | yes, up to the sum insured | „Als Verglasungen gelten Glas- und Kunststoffscheiben (z. B. Front-, Heck-, Dach …“ | A.2.2.5, page 10 |
| Animal bites to cables and lines including consequential damage | yes, up to EUR 20,000 | „Bei allen anderen Fahrzeugarten sind Folgeschäden aller Art, insbesondere weitergehende …“ | A.2.2.7, page 10 |
| 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.2.3.2, page 11 |
| Malicious damage by third parties | yes, up to the sum insured | „Versichert sind mut- oder böswillige Handlungen von Personen, die nicht berechtigt …“ | A.2.3.3, page 11 |
| New value compensation for total loss or theft (months or years since first registration) | no | „Besteht eine Fahrzeugvoll- (Vollkasko) oder Fahrzeugteilversicherung (Teilkasko) für …“ | A.2.5.2, page 11 |
| Waiver of the gross negligence defence | yes | „Wir verzichten in der Fahrzeugvoll- (Vollkasko) und Fahrzeugteilversicherung …“ | A.2.15.1, page 14 |
| 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) | yes, up to the sum insured | „fest im Fahrzeug eingebaute oder fest am Fahrzeug angebaute Fahrzeugteile,“ | A.2.1.2, page 8 |
| Retrofitted accessories (value limit without notification) | yes, up to EUR 20,000 | „Wenn der Neuwert der gegen Zuschlag versicherbaren Teile den Betrag von insgesamt …“ | A.2.1.3, page 9 |
| Caravan mover, satellite system and solar panels | yes, up to the sum insured | „Bei Zerstörung oder Verlust von fest im versicherten Fahrzeug verbauten Radio-, Audio …“ | A.2.5.7, page 12 |
| 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 | „mit dem Fahrzeug durch eine Halterung, Reisegepäck, persönliche Gegenstände der Insassen.“ | A.2.1.4, page 9 |
| Sum insured for contents | not addressed | ||
| Contents in the awning (own limit) | not addressed | ||
| Valuables, cash and jewellery (limit) | no | „Nicht versicherbar sind alle sonstigen Gegenstände“ | A.2.1.4, page 9 |
| Entertainment and mobile electronics (TV, laptop, camera) | no | „Nicht versicherbar sind alle sonstigen Gegenstände, z. B. Mobiltelefone und mobile …“ | A.2.1.4, page 9 |
| 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 | „Versichert ist das im Versicherungsschein bezeichnete Fahrzeug sowie ein mitgeführter …“ | A.5.3, page 19 |
| Towing and recovery of the caravan (limit in euros) | yes, up to EUR 200 | „Organisieren Sie das Abschleppen des Fahrzeugs selbst, beläuft sich der Höchstbetrag …“ | A.5.5.2, page 19 |
| Repatriation of the caravan if the towing vehicle fails | yes, up to the sum insured | „Wir sorgen für den Transport des Fahrzeugs zu einer Werkstatt und übernehmen die …“ | A.5.8.2, page 20 |
| Accommodation costs if the caravan is unusable | yes, up to EUR 100 | „übernehmen die Kosten bis maximal 100 EUR je Übernachtung und Person, jedoch insgesamt …“ | A.5.6.2, page 20 |
Contract, duties and excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess in partial cover | yes, up to the sum insured | „Ihrem Versicherungsschein können Sie entnehmen, ob und in welcher Höhe Sie eine …“ | A.2.11, page 14 |
| Excess in comprehensive cover | yes, up to the sum insured | „Ihrem Versicherungsschein können Sie entnehmen, ob und in welcher Höhe Sie eine …“ | A.2.11, page 14 |
| 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 | „Während der Ruheversicherung sind Sie verpflichtet, das Fahrzeug in einem Einstellraum …“ | H.1.3, page 32 |
| 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) | not addressed |
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
- DA Deutsche Allgemeine Versicherung Aktiengesellschaft
- Distribution
- direct from the insurer only
- Allgemeine Bedingungen für die Kraftfahrtversicherung (AKB) der DA Deutsche Allgemeine Versicherung AG Edition: AKB Stand 01.09.2026 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 DA Direkt Wohnwagenversicherung and available as plain text.
Volltext DA Direkt Wohnwagenversicherung Wohnwagenversicherung · As text (Markdown) DA Direkt Wohnwagenversicherung Caravan insurance