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R+V für Wohnanhänger: the policy wording in full
AKB der R+V für Fahrzeuge, die keine Pkw sind (Stand Juli 2026), mit Sonderregeln für Wohnanhänger: keine Ruheversicherung, aber Versicherungsschutz auch außerhalb der Saison beim Saisonkennzeichen, Naturgewalten mit Dachlawinen, Verzicht auf den Einwand grober Fahrlässigkeit, Vorzelt nur gegen Zuschlag, keine Neupreisentschädigung und keine Campingausrüstung.
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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 R+V für Wohnanhänger.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Verträge für Wohnanhänger oder mit ausdrücklich kürzerer Vertragsdauer als ein Jahr …“ | H.1.3, page 66 |
| 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.1.3.1, page 14 |
| 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 12 |
| Dormant cover when deregistered or out of season (duration in months) | no | „Verträge für Wohnanhänger oder mit ausdrücklich kürzerer Vertragsdauer als ein Jahr …“ | H.1.3, page 66 |
| Seasonal and interchangeable plates possible | yes | „Bei Wohnanhängern bleibt der vereinbarte Versicherungsschutz auch außerhalb der Saison …“ | H.2.2, page 67 |
| Occasional rental to third parties allowed | no | „gewerbsmäßigen Personenbeförderung oder gewerbsmäßigen Vermietung verwendet wird.“ | A.3.9.5, page 32 |
| Territorial scope (Europe, EU with Turkey, Mediterranean countries, domestic only for permanent camping) | yes | „Sie haben in der Kaskoversicherung Versicherungsschutz in den geographischen Grenzen …“ | A.2.5, page 20 |
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 18 |
| 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 aufgrund …“ | A.2.2.2, page 18 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Versichert ist die unmittelbare Einwirkung folgender Naturgewalten auf das Fahrzeug …“ | A.2.2.3, page 18 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „Erdbeben, Erdsenkungen, Vulkanausbrüche, Lawinen einschließlich Dachlawinen, Muren“ | A.2.2.3, page 18 |
| 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.2.2.5, page 19 |
| Animal bites to cables and lines including consequential damage | yes, up to EUR 5,000 | „Folgeschäden sind bis zu einer Entschädigungsobergrenze von 5.000 EUR versichert.“ | A.2.2.7, page 19 |
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „Versichert sind Schäden am Fahrzeug durch Unfall.“ | A.2.3.2, page 19 |
| Malicious damage by third parties | yes, up to the sum insured | „Versichert ist die Beschädigung, die Zerstörung oder der Totalschaden des Fahrzeugs …“ | A.2.3.3, page 20 |
| New value compensation for total loss or theft (months or years since first registration) | no | „bei Krafträdern, wenn innerhalb von 18 Monaten,“ | A.2.6.1, page 20 |
| Waiver of the gross negligence defence | yes | „Wenn Sie den Schaden grob fahrlässig herbeigeführt haben, gilt: Wir verzichten Ihnen …“ | A.2.6.7 b, page 24 |
| 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 | „Vor- und Dachzelt,“ | A.2.1.4, page 17 |
| 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 | „im Fahrzeug fest eingebaut oder“ | A.2.1.3, page 16 |
| Retrofitted accessories (value limit without notification) | yes, up to EUR 5,000 | „für sonstige Fahrzeuge bis zu einem Neuwert von insgesamt 5.000 EUR, für höhere …“ | A.2.1.3, page 17 |
| Caravan mover, satellite system and solar panels | yes, up to EUR 5,000 | „Informations- und Unterhaltungssysteme (Radio, Verstärker, Equalizer, MC-, CD-, MD- und …“ | A.2.1.3, page 16 |
| 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 | „Campingausrüstung,“ | A.2.1.5, page 18 |
| 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) | no | „Notebooks, Tablet-PCs und weitere mobile Endgeräte (z. B. mobile Navigationssysteme …“ | A.2.1.5, page 18 |
| 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.3.3, page 26 |
| Towing and recovery of the caravan (limit in euros) | yes, up to EUR 200 | „Organisieren Sie das Abschleppen selbst, erstatten wir Ihnen die hierdurch entstehenden …“ | A.3.5.2, page 27 |
| Repatriation of the caravan if the towing vehicle fails | yes, up to the sum insured | „Wir übernehmen die hierdurch entstehenden Kosten bis zur Höhe der Rücktransportkosten …“ | A.3.8.1, page 30 |
| Accommodation costs if the caravan is unusable | yes, up to EUR 100 | „Wir erstatten die Kosten bis höchstens 100 EUR je Übernachtung und Person“ | A.3.6.2, page 28 |
Contract, duties and excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess in partial cover | yes, up to the sum insured | „Ob und in welcher Höhe Sie eine Selbstbeteiligung vereinbart haben, finden Sie in Ihrem …“ | A.2.6.9, page 24 |
| Excess in comprehensive cover | yes, up to the sum insured | „Ob und in welcher Höhe Sie eine Selbstbeteiligung vereinbart haben, finden Sie in Ihrem …“ | A.2.6.9, page 24 |
| 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 | not addressed | ||
| Term and cancellation (seasonal contract, cancellation after a claim) | yes | „Nach dem Eintritt eines Schadenereignisses können Sie den Vertrag kündigen.“ | G.2.3, page 61 |
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
- R+V Allgemeine Versicherung Aktiengesellschaft
- Distribution
- through tied agents
- Verbraucherinformation für Fahrzeuge, die keine Pkw sind Edition: Stand Juli 2026, KRN0726 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 R+V für Wohnanhänger and available as plain text.
Volltext R+V für Wohnanhänger Wohnwagenversicherung · As text (Markdown) R+V für Wohnanhänger Caravan insurance