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DEVK für Wohnwagenanhänger Basis-Schutz: the policy wording in full
Basis-Schutz der DEVK Kfz-Versicherung für Wohnwagenanhänger (AKB Stand 01.10.2026): summenversichert zum Marktwert mit Vorzelt, Markise, Mover und festem Inventar, ohne Dachlawinen, ohne Tierbissfolgeschäden, ohne Gespannschäden und ohne Vorsorgeversicherung.
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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 DEVK für Wohnwagenanhänger
Basis-Schutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Mitversichert sind bei Campingfahrzeugen und Wohnwagenanhängern auch das fest …“ | A.3.1.1 b, page 15 |
| 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 | „100 Mio. Euro Pauschaldeckung für Personen-, Sach- und Vermögensschäden“ | A.1.3, page 13 |
| 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 11 |
| Dormant cover when deregistered or out of season (duration in months) | yes | „Soll das versicherte Fahrzeug zu einem späteren Zeitpunkt wieder zugelassen werden …“ | B.7.1.1 b, page 55 |
| Seasonal and interchangeable plates possible | yes | „Eine auf die Saisondauer abgestellte Berechnung gilt nicht für Verträge von Anhängern …“ | B.7.2 d, page 56 |
| 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 den geografischen Grenzen Europas sowie den …“ | A.3.18, page 13 |
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 | „Explosion ist eine auf dem Ausdehnungsbestreben von Gasen oder Dämpfen beruhende …“ | A.3.2.1, page 16 |
| 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.3.2.2, page 16 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Als Sturm gilt eine wetterbedingte Luftbewegung von mindestens Windstärke 8.“ | A.3.2.3, page 16 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „Im Basis-Schutz sind abweichend von A.3.2.3 Nr. 1 Dachlawinen nicht mitversichert.“ | A.3.2.3 Nr. 2, page 16 |
| 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.3.2.6, page 16 |
| Animal bites to cables and lines including consequential damage | yes, up to the sum insured | „Folgeschäden sind nicht mitversichert“ | A.3.2.5 Nr. 2, page 16 |
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „Im Basis-Schutz sind Schäden nach A.3.3.2 Nr. 1 nicht mitversichert.“ | A.3.3.2 Nr. 2, page 17 |
| Malicious damage by third parties | yes, up to the sum insured | „Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise …“ | A.3.3.3, page 17 |
| New value compensation for total loss or theft (months or years since first registration) | no | „Wir zahlen den Neupreis nach A.3.13 bei Pkw (ausgenommen Mietwagen, Taxen)“ | A.3.7.3, page 21 |
| Waiver of the gross negligence defence | yes | „Wir leisten auch bei grob fahrlässiger Herbeiführung des Versicherungsfalls.“ | A.3.16, page 24 |
| 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 | yes, up to the sum insured | „auch das fest eingebaute Inventar sowie wenn vorhanden der Mover, die Klimaanlage, die …“ | A.3.1.1 b, page 15 |
| 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) | yes, up to the sum insured | „auch das fest eingebaute Inventar sowie wenn vorhanden der Mover, die Klimaanlage, die …“ | A.3.1.1 b, page 15 |
| 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 | „auch das fest eingebaute Inventar sowie wenn vorhanden der Mover, die Klimaanlage, die …“ | A.3.1.1 b, page 15 |
| Retrofitted accessories (value limit without notification) | not addressed | ||
| Caravan mover, satellite system and solar panels | yes, up to the sum insured | „auch das fest eingebaute Inventar sowie wenn vorhanden der Mover, die Klimaanlage, die …“ | A.3.1.1 b, page 15 |
| 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 | „nicht fest eingebautes Mobiliar und Inventar (z. B. Campingtische/-stühle …“ | A.3.1.3, page 16 |
| 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) | no | „Reisegepäck, Mobiltelefone und mobile Navigationsgeräte“ | A.3.1.3, page 16 |
| 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 | „ist auch ein zum Schadenzeitpunkt (Panne oder Unfall) an diesem Fahrzeug angekoppelter …“ | A.6.1.1, page 34 |
| Towing and recovery of the caravan (limit in euros) | yes, up to the sum insured | „organisieren wir das Abschleppen des Fahrzeugs“ | A.6.2.1 Nr. 2, page 34 |
| Repatriation of the caravan if the towing vehicle fails | yes, up to the sum insured | „Wir organisieren den Transport des Fahrzeugs zu einer Werkstatt und übernehmen die …“ | A.6.2.4 Nr. 1 b, page 35 |
| Accommodation costs if the caravan is unusable | yes, up to EUR 1,000 | „übernehmen die Übernachtungskosten bis zu 1.000 Euro je Schadenfall“ | A.6.2.2 Nr. 2, page 35 |
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.3.14, page 24 |
| Excess in comprehensive cover | yes, up to the sum insured | „Ihrem Versicherungsschein können Sie entnehmen, ob und in welcher Höhe Sie eine …“ | A.3.14, page 24 |
| 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 | not addressed | ||
| Underinsurance waiver or new value sum with adjustment | no | „Der Basis-Schutz für Campingfahrzeuge/Wohnwagenanhänger beinhaltet keine …“ | A.3.7.1, page 21 |
| 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.
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legally only the wording of your own contract in the edition stated there applies.
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Policy wordings and provider
- Legal entity
- DEVK Allgemeine Versicherungs-Aktiengesellschaft, DEVK Deutsche Eisenbahn Versicherung Sach- und HUK-Versicherungsverein a.G. Betriebliche Sozialeinrichtung der Deutschen Bahn
- Distribution
- brokers and direct
- Kundeninformation zur Kfz-Versicherung mit Allgemeinen Bedingungen für die Kfz-Versicherung (AKB) Edition: AKB Stand 01.10.2026 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 DEVK für Wohnwagenanhänger Basis-Schutz and available as
plain text.
Volltext DEVK für Wohnwagenanhänger Basis-Schutz Wohnwagenversicherung · As text (Markdown) DEVK für Wohnwagenanhänger Basis-Schutz Caravan insurance