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LVM für: the policy wording in full
Allgemeine Kfz-Bedingungen der LVM (Stand 1. April 2025) mit ausdrücklichen Regeln für Wohnwagenanhänger: Neupreis 36 Monate und Kaufwert 24 Monate, Reifenplatzer und Gespannkollision als Unfall, Vorzelt als beitragsfreies Zubehör, aber keine Ruheversicherung, keine Saisonregeln und kein Schadenfreiheitsrabatt für Wohnwagenanhänger.
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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 LVM für.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Neupreisentschädigung für neu erworbene Pkw, Krafträder, Leichtkrafträder, Trikes …“ | A.2.5.1.2, page 14 |
| 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 | „Die Höhe Ihrer Versicherungssummen können Sie dem Versicherungsschein entnehmen.“ | A.1.3.1, page 10 |
| 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.1.1.5, page 9 |
| Dormant cover when deregistered or out of season (duration in months) | no | „Die Regelung nach H.1.2 gilt nicht für Wohnwagenanhänger sowie bei Verträgen mit …“ | H.1.3, page 37 |
| Seasonal and interchangeable plates possible | no | „Die Regelungen H.2.1 bis H.2.3 gelten nicht für Wohnwagenanhänger.“ | H.2.4, page 38 |
| Occasional rental to third parties allowed | not addressed | ||
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | yes | „Sie haben in Kasko Versicherungsschutz in den geographischen Grenzen Europas sowie den …“ | A.2.4, page 14 |
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.2.2.1.1, page 12 |
| 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 auf Grund …“ | A.2.2.1.2, page 12 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Versichert ist die unmittelbare Einwirkung von Sturm, Hagel, Blitzschlag …“ | A.2.2.1.3, page 12 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „Lawinen sind an Berghängen oder von Gebäudedächern niedergehende Schnee- oder Eismassen.“ | A.2.2.1.3, page 12 |
| 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.2.2.1.5, page 12 |
| Animal bites to cables and lines including consequential damage | yes, up to EUR 10,000 | „Dadurch entstandene Folgeschäden am Fahrzeug sind bis zu 10.000 Euro je Schadenereignis …“ | A.2.2.1.7, page 13 |
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „Auch ohne Einwirkung von außen gelten als Unfallschäden: Kollisionsschäden zwischen …“ | A.2.2.2.2, page 13 |
| Malicious damage by third parties | yes, up to the sum insured | „Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise …“ | A.2.2.2.3, page 13 |
| New value compensation for total loss or theft (months or years since first registration) | yes | „Innerhalb von 36 Monaten nach Erstzulassung tritt ein Totalschaden, eine Zerstörung …“ | A.2.5.1.2, page 14 |
| Waiver of the gross negligence defence | yes | „Bei grob fahrlässiger Herbeiführung des Schadens sind wir berechtigt, unsere Leistung …“ | A.2.8.1, page 25 |
| 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 | „Pannenwerkzeug, Dachbox/-koffer, Vorzelt für Wohnwagenanhänger oder Campingfahrzeug“ | A.2.1.2.1, 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 | „Fest im Fahrzeug eingebaute oder fest am Fahrzeug angebaute Fahrzeugteile“ | A.2.1.2.1, page 11 |
| Retrofitted accessories (value limit without notification) | yes, up to EUR 15,000 | „Die nachfolgend unter a bis e aufgeführten Teile sind bis zu einem Gesamtneuwert von …“ | A.2.1.2.2, page 12 |
| Caravan mover, satellite system and solar panels | yes, up to EUR 15,000 | „Radio- und sonstige Audiosysteme, Video-, technische Kommunikations- und Leitsysteme“ | A.2.1.2.2, 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 | „Nicht versicherbar sind alle sonstigen Gegenstände, z. B. Mobiltelefone und mobile …“ | A.2.1.2.5, page 12 |
| Sum insured for contents | not addressed | ||
| Contents in the awning (own limit) | not addressed | ||
| Valuables, cash and jewellery (limit) | no | „persönliche Gegenstände der Insassen.“ | A.2.1.2.5, page 12 |
| Entertainment and mobile electronics (TV, laptop, camera) | no | „Nicht versicherbar sind alle sonstigen Gegenstände, z. B. Mobiltelefone und mobile …“ | A.2.1.2.5, 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 | „Versichert ist das im Versicherungsschein bezeichnete Fahrzeug sowie ein mitgeführter …“ | A.4.3.1, page 27 |
| Towing and recovery of the caravan (limit in euros) | yes, up to EUR 200 | „übernehmen wir die Abschleppkosten bis zu einem Betrag von 200 Euro, für …“ | A.4.5.2, page 22 |
| 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.4.8.1, page 23 |
| Accommodation costs if the caravan is unusable | yes, up to EUR 100 | „Wir übernehmen die Kosten für eine einzelne Person bis höchstens 100 Euro (inkl …“ | A.4.6.2, page 22 |
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.2.5.10, page 16 |
| Excess in comprehensive cover | yes, up to the sum insured | „Ihrem Versicherungsschein können Sie entnehmen, ob und in welcher Höhe Sie eine …“ | A.2.5.10, 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 | not addressed | ||
| Underinsurance waiver or new value sum with adjustment | not addressed | ||
| No claims rating or bonus malus for caravans | no | „Dies gilt nicht für Sonderfahrzeuge jeder Art (ausgenommen Krankenwagen), Anhänger …“ | I.1, page 38 |
| Term and cancellation (seasonal contract, cancellation after a claim) | yes | „Nach dem Eintritt eines Schadenereignisses können Sie den Vertrag kündigen.“ | G.2.3, page 36 |
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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Policy wordings and provider
- Legal entity
- LVM Landwirtschaftlicher Versicherungsverein Münster a.G.
- Distribution
- through tied agents
- Vertragsgrundlagen und weitere Informationen Kraftfahrtversicherung (AKB) Edition: AKB Stand 1. April 2025 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 LVM für and available as plain text.
Volltext LVM für Wohnwagenversicherung · As text (Markdown) LVM für Caravan insurance