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uniVersa für FLEXXdrive: the policy wording in full
Allgemeine Kfz-Bedingungen FLEXXdrive der uniVersa, die auch für Anhänger gelten: Teil- und Vollkasko mit Sturm ab Windstärke 8, Tierbiss mit Folgeschäden und Verzicht auf grobe Fahrlässigkeit, Ruheversicherung und Saisonkennzeichen, ohne Wohnwagen-Sonderregeln 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 uniVersa für FLEXXdrive.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Ist mit dem versicherten Kraftfahrzeug ein Anhänger … verbunden, erstreckt sich der …“ | A.1.1.5, page 7 |
| 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 8 |
| Liability of the combination: rule between trailer and towing vehicle (recourse, cover via towing vehicle) | yes | „Ist mit dem versicherten Kraftfahrzeug ein Anhänger … verbunden, erstreckt sich der …“ | A.1.1.5, page 7 |
| Dormant cover when deregistered or out of season (duration in months) | yes | „Der Vertrag geht in eine beitragsfreie Ruheversicherung über, wenn die …“ | H.1.2, page 30 |
| Seasonal and interchangeable plates possible | yes | „Für Fahrzeuge, die mit einem Saisonkennzeichen zugelassen sind, gewähren wir den …“ | H.2.1, page 30 |
| 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 der Kfz-Haftpflichtversicherung Versicherungsschutz in den geographischen …“ | A.1.4.1, page 8 |
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 8 |
| 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.2.2.1.2 a, page 9 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Als Sturm gilt eine wetterbedingte Luftbewegung von mindestens Windstärke 8.“ | A.2.2.1.3, page 9 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „Versichert ist die unmittelbare Einwirkung von Sturm, Hagel, Blitzschlag …“ | A.2.2.1.3, page 9 |
| Glass breakage including plastic windows and roof vents | yes, up to the sum insured | „Versichert sind Bruchschäden an der Verglasung des Fahrzeugs.“ | A.2.2.1.5, page 9 |
| Animal bites to cables and lines including consequential damage | yes, up to the sum insured | „Versichert sind unmittelbar durch Tierbiss verursachte Schäden. Folgeschäden am …“ | A.2.2.1.7, page 10 |
| 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.2.2.2.2, page 10 |
| 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 10 |
| New value compensation for total loss or theft (months or years since first registration) | not addressed | ||
| Waiver of the gross negligence defence | yes | „Bei grob fahrlässiger Herbeiführung des Schadens verzichten wir auf den Einwand der …“ | A.2.9.1, page 14 |
| 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 EUR 10,000 | „Nachträglich fest eingebaute oder am Fahrzeug fest angebaute Fahrzeugteile und …“ | A.2.1.2.2, page 9 |
| 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) | yes, up to the sum insured | „Versichert ist der im Versicherungsschein bezeichnete Pkw sowie ein mitgeführter …“ | A.3.3, page 14 |
| 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 | yes, up to EUR 100 | „übernehmen die Kosten für höchstens vier Übernachtungen.“ | A.3.6.2, page 15 |
Contract, duties and excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess in partial cover | yes, up to the sum insured | „Ist eine Selbstbeteiligung vereinbart, wird diese bei jedem Schadenereignis von der …“ | A.2.5.13, page 13 |
| Excess in comprehensive cover | yes, up to the sum insured | „Ist eine Selbstbeteiligung vereinbart, wird diese bei jedem Schadenereignis von der …“ | A.2.5.13, page 13 |
| 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 29 |
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
- uniVersa Allgemeine Versicherung AG
- Distribution
- brokers and direct
- Versicherungsbedingungen für die Kfz-Versicherung FLEXXdrive (AKB) Edition: Stand: 01.04.2026 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 uniVersa für FLEXXdrive and available as plain text.
Volltext uniVersa für FLEXXdrive Wohnwagenversicherung · As text (Markdown) uniVersa für FLEXXdrive Caravan insurance