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Provinzial für Campingfahrzeuge und Wohnanhänger: the policy wording in full
Sonderbedingung zur Kfz-Versicherung der Provinzial Nord für Fahrzeuge zu Campingzwecken einschließlich Wohnanhänger, die die AKB um höhere Grenzen bei Tierbiss- und Kurzschlussfolgeschäden, Reifenplatzer als Unfall und Kaufwert- oder Neupreisentschädigung auch für Wohnwagenanhänger ergänzt.
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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 Provinzial für Campingfahrzeuge
und Wohnanhänger.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Fahrzeuge zu Campingzwecken im Sinne dieser Bedingungen sind: Fahrzeuge, die als …“ | Präambel, page 1 |
| 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) | not addressed | ||
| Seasonal and interchangeable plates possible | not addressed | ||
| Occasional rental to third parties allowed | not addressed | ||
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | not addressed |
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 | not addressed | ||
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | not addressed | ||
| Glass breakage including plastic windows and roof vents | not addressed | ||
| Animal bites to cables and lines including consequential damage | yes, up to EUR 20,000 | „sind die Folgeschäden unter den dort genannten Voraussetzungen nicht auf 5.000 Euro …“ | A.2.1, page 2 |
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „Abweichend von A.2.2.2.2 der AKB gilt es auch als Unfall, wenn am Fahrzeug ein Reifen …“ | A.2.2, page 2 |
| Malicious damage by third parties | not addressed | ||
| New value compensation for total loss or theft (months or years since first registration) | yes | „wird die Kaufwertentschädigung oder Neupreisentschädigung unter den genannten …“ | A.3.1, page 2 |
| Waiver of the gross negligence defence | not addressed | ||
| 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) | not addressed | ||
| 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 | not addressed | ||
| 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 | no | „B. Bestimmungen der AKB, die nicht für Ihr Fahrzeug zu Campingzwecken gelten B.1 …“ | B.1, page 2 |
| 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.
Please report errors, we correct them the same day.
Policy wordings and provider
- Legal entity
- Provinzial Nord Brandkasse Aktiengesellschaft
- Distribution
- through tied agents
- Sonderbedingungen für die Kfz-Versicherung von Fahrzeugen zu Campingzwecken Edition: Sonderbedingung Stand 09.2026 Original from the insurer (PDF, German)
- Sonderbedingungen für die Kfz-Versicherung von Fahrzeugen zu Campingzwecken, Variante 2 Edition: Sonderbedingung Stand 09.2026 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 Provinzial für Campingfahrzeuge und Wohnanhänger and
available as plain text.
Volltext Provinzial für Campingfahrzeuge und Wohnanhänger Wohnwagenversicherung · As text (Markdown) Provinzial für Campingfahrzeuge und Wohnanhänger Caravan insurance