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KRAVAG Camping-Kfz und Wohnanhänger über RMV: the policy wording in full
Sonderbedingungen der über die RMV vermittelten KRAVAG Kfz-Versicherung für Camping-Kfz und Wohnanhänger (Fassung 10.2022), die die AKB um Neupreisentschädigung in den ersten 24 Monaten, Ruheversicherung von 9 Monaten für Wohnanhänger, Verzicht auf grobe Fahrlässigkeit und erweiterte Kaskoleistungen ergänzen.
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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 KRAVAG Camping-Kfz und
Wohnanhänger über RMV.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Für Versicherungsverträge von Camping-Kfz und Wohnanhängern, die über die RMV …“ | Präambel, page 2 |
| 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) | not addressed | ||
| Liability of the combination: rule between trailer and towing vehicle (recourse, cover via towing vehicle) | not addressed | ||
| Dormant cover when deregistered or out of season (duration in months) | yes | „Abweichend von H.1.3 AKB gilt auch für Wohnanhänger beitragsfreier Versicherungsschutz …“ | I.7, page 3 |
| Seasonal and interchangeable plates possible | no | „(Gilt nicht bei Wohnanhänger, kein Saisonkennzeichen möglich)“ | Besondere Leistungen Nr. 17, page 9 |
| Occasional rental to third parties allowed | not addressed | ||
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | yes | „Das Fahrzeug ist im gesamten europäischen Raum versichert.“ | Besondere Leistungen Nr. 13, page 9 |
Partial and comprehensive cover of the caravan
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire and explosion, including from the gas system | not addressed | ||
| Theft of the whole caravan, also when uncoupled and parked | not addressed | ||
| Storm, hail, lightning and flood | yes, up to the sum insured | „zahlen wir bei einer Beschädigung der Dachhaut durch Hagel die erforderlichen Kosten …“ | I.3, page 3 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | not addressed | ||
| Glass breakage including plastic windows and roof vents | yes, up to the sum insured | „Keine Entschädigungsobergrenze bei Glasschäden.“ | Besondere Leistungen Nr. 6, page 7 |
| Animal bites to cables and lines including consequential damage | yes, up to EUR 4,000 | „Versichert sind unmittelbar durch einen Tierbiss verursachte Schäden (ausgenommen Haus …“ | Besondere Leistungen Nr. 12, page 9 |
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „Abweichend von A.2.3.2.a gilt auch als Unfall, wenn am Fahrzeug ein Reifen ohne …“ | I.6, page 3 |
| Malicious damage by third parties | not addressed | ||
| New value compensation for total loss or theft (months or years since first registration) | yes | „zahlen wir den Neupreis nach A.2.6.1.h AKB, wenn innerhalb von 24 Monaten nach dessen …“ | I.1, page 3 |
| Waiver of the gross negligence defence | yes | „Verzicht auf den Einwand der groben Fahrlässigkeit gegenüber dem Versicherungsnehmer …“ | Besondere Leistungen Nr. 10, page 9 |
| 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) | not addressed | ||
| Retrofitted accessories (value limit without notification) | yes, up to the sum insured | „Wenn bei der Neuwertangabe alle fest mit dem Fahrzeug verbundenen Zubehörteile …“ | Besondere Leistungen Nr. 8, page 7 |
| 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 | not addressed | ||
| 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) | not addressed | ||
| Towing and recovery of the caravan (limit in euros) | not addressed | ||
| Repatriation of the caravan if the towing vehicle fails | not addressed | ||
| Accommodation costs if the caravan is unusable | not addressed |
Contract, duties and excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess in partial cover | yes, up to the sum insured | „verzichten wir auf den Abzug einer vereinbarten Selbstbeteiligung bis zur maximalen …“ | I.4, page 3 |
| Excess in comprehensive cover | not addressed | ||
| 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 | not addressed | ||
| No claims rating or bonus malus for caravans | yes | „Unterbrechen Sie Ihr Vertragsverhältnis, bleibt Ihr Fahrzeug in derselben …“ | Besondere Leistungen Nr. 15, page 9 |
| 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.
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Policy wordings and provider
- Legal entity
- KRAVAG-ALLGEMEINE Versicherungs-Aktiengesellschaft
- Distribution
- available through brokers
- Sonderbedingungen RMV für Camping-Kfz und Wohnanhänger (Gegenüberstellung 07.2021 und 10.2022) Edition: Sonderbedingungen RMV Stand 10.2022 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German.
It is printed on the German page for KRAVAG Camping-Kfz und Wohnanhänger über RMV and available as
plain text.
Volltext KRAVAG Camping-Kfz und Wohnanhänger über RMV Wohnwagenversicherung · As text (Markdown) KRAVAG Camping-Kfz und Wohnanhänger über RMV Caravan insurance