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HUK24 für: the policy wording in full
Allgemeine Kfz-Bedingungen der HUK24 (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.
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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 HUK24 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 8 |
| 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 10 |
| 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 10 |
| 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 32 |
| Seasonal and interchangeable plates possible | yes | „Ist Ihr Fahrzeug mit einem Saisonkennzeichen zugelassen, besteht Versicherungsschutz …“ | H.2, page 32 |
| Occasional rental to third parties allowed | no | „Nicht versicherbar sind folgende Fahrzeuge: Mietwagen, Taxen …“ | Vorbemerkung, page 8 |
| 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 10 |
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 12 |
| 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 12 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Naturgewalten sind Sturm, Hagel, Überschwemmung, Erdbeben, Erdsenkung, Erdrutsch …“ | A.2.2.3, page 12 |
| 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 12 |
| 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 12 |
| 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 12 |
| 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 13 |
| 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 13 |
| 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 17 |
| 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 11 |
| 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 11 |
| 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 11 |
| 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 12 |
| 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 12 |
| Entertainment and mobile electronics (TV, laptop, camera) | no | „Alle anderen Sachen sind nicht versicherbar. Beispiele: Brieftasche, Brille, Geschirr …“ | A.2.1.4, page 12 |
| 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 18 |
| 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 18 |
| 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 19 |
| 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 19 |
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 16 |
| 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 16 |
| 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 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) | yes | „Sie können den Vertrag nach einem Schadenereignis kündigen.“ | G.2.3, page 30 |
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
- HUK24 AG
- Distribution
- direct from the insurer only
- 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 HUK24 für and available as plain text.
Volltext HUK24 für Wohnwagenversicherung · As text (Markdown) HUK24 für Caravan insurance