Insurance broker / Caravan insurance / Policy wording archive Caravan insurance
HUK-COBURG für: the policy wording in full
Allgemeine Kfz-Bedingungen der HUK-COBURG (Stand 01.01.2027), die auch für Anhänger gelten: Teil- und Vollkasko mit Vorzelt als Fahrzeugbestandteil, Gespannschäden über das Zugfahrzeug, ohne Ruheversicherung für Wohnwagenanhänger und ohne Inhaltsversicherung.
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 HUK-COBURG.
- AI has advised
- 2Your details
- Application to HUK-COBURG
Thank you, we have your application.
We prepare it with HUK-COBURG 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 HUK-COBURG für.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Mit Fahrzeug ist das im Versicherungsschein genannte Fahrzeug gemeint. Das kann ein …“ | Vorbemerkung, page 9 |
| 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 the sum insured | „Unsere Zahlungen für ein Schadenereignis sind jeweils beschränkt auf die Höhe der für …“ | A.1.3, page 11 |
| Liability of the combination: rule between trailer and towing vehicle (recourse, cover via towing vehicle) | yes | „Der Versicherungsschutz gilt auch für einen Anhänger, der mit dem versicherten Fahrzeug …“ | A.1.1, page 11 |
| Dormant cover when deregistered or out of season (duration in months) | no | „Diese Regelungen gelten nicht für Wohnwagenanhänger und nicht bei Verträgen mit …“ | H.1, page 33 |
| Seasonal and interchangeable plates possible | yes | „Ist Ihr Fahrzeug mit einem Saisonkennzeichen zugelassen, besteht Versicherungsschutz …“ | H.2, page 33 |
| Occasional rental to third parties allowed | no | „Nicht versicherbar sind folgende Fahrzeuge: Mietwagen, Taxen …“ | Vorbemerkung, page 9 |
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | yes | „Versicherungsschutz besteht in den geographischen Grenzen Europas. Und in den …“ | A.1.4, page 11 |
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 13 |
| Theft of the whole caravan, also when uncoupled and parked | yes, up to the sum insured | „Versicherungsschutz besteht, wenn das Fahrzeug gestohlen, geraubt oder unterschlagen …“ | A.2.2.2, page 13 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Naturgewalten sind Sturm, Hagel, Überschwemmung, Erdbeben, Erdsenkung, Erdrutsch …“ | A.2.2.3, page 13 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „Naturgewalten sind Sturm, Hagel, Überschwemmung, Erdbeben, Erdsenkung, Erdrutsch …“ | A.2.2.3, page 13 |
| Glass breakage including plastic windows and roof vents | yes, up to the sum insured | „Die Verglasung umfasst: Glas- und Kunststoffscheiben (Front-, Heck-, Trenn- und …“ | A.2.2.6, page 13 |
| Animal bites to cables and lines including consequential damage | yes, up to the sum insured | „Versichert sind unmittelbare Schäden am Fahrzeug durch Tierbiss (z. B. Marderbiss) …“ | A.2.2.5, page 13 |
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „gezogenem Fahrzeug ohne Einwirkung von außen mitversichert (z. B. Rangierschäden …“ | A.2.3.2, page 14 |
| Malicious damage by third parties | yes, up to the sum insured | „Versichert sind Schäden am Fahrzeug durch mut- oder böswillige Handlungen von Personen …“ | A.2.3.3, page 14 |
| New value compensation for total loss or theft (months or years since first registration) | not addressed | ||
| Waiver of the gross negligence defence | yes | „Wir leisten auch dann, wenn der Versicherungsfall grob fahrlässig herbeigeführt wird …“ | A.2.9, page 18 |
| 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 | „Aber auch Dach-/Heckträger (etwa Fahrradträger), Dachkoffer oder Vorzelt.“ | A.2.1.1, page 12 |
| 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 | „sie sind im Fahrzeug fest eingebaut oder sie sind am Fahrzeug fest angebaut.“ | A.2.1.1, page 12 |
| Retrofitted accessories (value limit without notification) | yes, up to the sum insured | „Bestandteile Ihres Fahrzeugs sind wie Ihr Fahrzeug versichert.“ | A.2.1.1, page 12 |
| 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 | „Alle anderen Sachen sind nicht versicherbar. Beispiele: Brieftasche, Brille, Geschirr …“ | A.2.1.4, page 13 |
| Sum insured for contents | not addressed | ||
| Contents in the awning (own limit) | not addressed | ||
| Valuables, cash and jewellery (limit) | no | „Alle anderen Sachen sind nicht versicherbar. Beispiele: Brieftasche, Brille, Geschirr …“ | A.2.1.4, page 13 |
| Entertainment and mobile electronics (TV, laptop, camera) | no | „Alle anderen Sachen sind nicht versicherbar. Beispiele: Brieftasche, Brille, Geschirr …“ | A.2.1.4, page 13 |
| 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 | „ein mitgeführter Wohnwagen- oder Gepäckanhänger, oder ein einachsiger Bootsanhänger mit …“ | A.3.3, page 19 |
| Towing and recovery of the caravan (limit in euros) | yes, up to the sum insured | „Dann lassen wir es auf unsere Kosten in die nächstgelegene, geeignete Werkstatt …“ | A.3.5, page 19 |
| Repatriation of the caravan if the towing vehicle fails | yes, up to the sum insured | „Wir übernehmen maximal die Kosten, wie sie für den Rücktransport des Fahrzeugs an den …“ | A.3.6, page 20 |
| Accommodation costs if the caravan is unusable | yes, up to EUR 100 | „Je Übernachtung übernehmen wir pro Person maximal 100 € (einschließlich Frühstück).“ | A.3.6, page 20 |
Contract, duties and excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess in partial cover | yes, up to the sum insured | „Ob Sie mit uns eine Selbstbeteiligung vereinbart haben, steht in Ihrem …“ | A.2.6.9, page 17 |
| Excess in comprehensive cover | yes, up to the sum insured | „Ob Sie mit uns eine Selbstbeteiligung vereinbart haben, steht in Ihrem …“ | A.2.6.9, page 17 |
| 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 | „Sie müssen das Fahrzeug in einem Einstellraum oder auf einem umfriedeten Abstellplatz …“ | H.1, page 33 |
| 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 | „Sie können den Vertrag nach einem Schadenereignis kündigen.“ | G.2.3, page 31 |
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
- HUK-COBURG Haftpflicht-Unterstützungs-Kasse kraftfahrender Beamter Deutschlands a.G. in Coburg, HUK-COBURG-Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Allgemeine Bedingungen für die Kfz-Versicherung (AKB) mit Kundeninformation Edition: AKB Stand 01.01.2027 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 HUK-COBURG für and available as plain text.
Volltext HUK-COBURG für Wohnwagenversicherung · As text (Markdown) HUK-COBURG für Caravan insurance