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VHV Campinginhaltsversicherung Klassik Garant 2 0: the policy wording in full
Linie KLASSIK-GARANT 2.0 der VHV für Campingfahrzeuge und Wohnwagenanhänger laut Produktübersicht: Haftpflicht 50 Mio. Euro pauschal, Teil- und Vollkasko mit Elementar und Schlingerdeckung, Neupreisentschädigung bis 24 Monate, Campinginhalt bis 10.000 Euro als Zusatzbaustein.
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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 VHV Campinginhaltsversicherung
Klassik Garant 2 0.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Die Produktbeschreibungen gelten nur für Campingfahrzeuge / Wohnwagenanhänger“ | Fußnote, 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) | yes, up to EUR 50 million | „50 Mio. Euro pauschal (max. 12 Mio. Euro je geschädigte Person)“ | Kraftfahrzeug-Haftpflichtversicherung, page 1 |
| 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) | yes | „Geltungsbereich: Versicherungsschutz in den geographischen Grenzen Europas sowie den …“ | Campinginhaltsversicherung, page 2 |
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 | „Schäden durch Brand oder Explosion“ | Teilkasko, page 1 |
| Theft of the whole caravan, also when uncoupled and parked | yes, up to the sum insured | „Schäden durch Diebstahl, unbefugten Gebrauch, Raub und bedingt bei Unterschlagung“ | Teilkasko, page 1 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Elementarschäden, inklusive Lawinen, Hagel, Überschwemmung, Schäden durch Dachlawinen …“ | Teilkasko, page 1 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „Elementarschäden, inklusive Lawinen, Hagel, Überschwemmung, Schäden durch Dachlawinen …“ | Teilkasko, page 1 |
| Glass breakage including plastic windows and roof vents | yes, up to the sum insured | „Glasbruchschäden, Ersatz von Vignetten bis 50 Euro“ | Teilkasko, page 1 |
| Animal bites to cables and lines including consequential damage | yes, up to the sum insured | „Tierbissschäden, inklusive Folgeschäden“ | Teilkasko, page 1 |
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „Unfallschäden, inklusive Schäden am Campingfahrzeug durch Anhänger (Schlingerdeckung)“ | Vollkasko, page 1 |
| Malicious damage by third parties | yes, up to the sum insured | „Vandalismusschäden“ | Vollkasko, page 1 |
| New value compensation for total loss or theft (months or years since first registration) | yes | „Neupreisentschädigung nach Erstzulassung bei Erstbesitz bis 24 Monate“ | Leistungen, 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 | yes, up to the sum insured | „Zusatzleistung Campinginhaltsversicherung (nur in Verbindung mit einer …“ | Campinginhaltsversicherung, page 2 |
| Sum insured for contents | yes, up to EUR 10,000 | „Versicherungssumme insgesamt max. 10.000 Euro (150 Euro Selbstbeteiligung)“ | Campinginhaltsversicherung, page 2 |
| Contents in the awning (own limit) | yes, up to EUR 1,000 | „Bis zu einem Gesamtwert von insgesamt 1.000 Euro sind versichert: • Inventar im Vorzelt …“ | Campinginhaltsversicherung, page 2 |
| Valuables, cash and jewellery (limit) | not addressed | ||
| Entertainment and mobile electronics (TV, laptop, camera) | yes, up to EUR 3,000 | „Bis zu einem Gesamtneuwert von insgesamt 3.000 Euro sind versichert: • …“ | Campinginhaltsversicherung, page 2 |
| Bicycles and e-bikes on the pitch or on the rack | yes, up to EUR 3,000 | „nicht versicherungspflichtige Fahrräder“ | Campinginhaltsversicherung, page 2 |
| 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 | „Weitere Zusatzleistungen (gegen Zuschlag) SCHUTZBRIEF“ | Zusatzleistungen, page 2 |
| 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 | yes, up to the sum insured, excess EUR 150 | „Versicherungssumme insgesamt max. 10.000 Euro (150 Euro Selbstbeteiligung)“ | Campinginhaltsversicherung, page 2 |
| 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 | „RABATTSCHUTZ ab Schadenfreiheitsklasse 3 (nicht für Wohnwagenanhänger)“ | Zusatzleistungen, 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.
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Policy wordings and provider
- Legal entity
- VHV Allgemeine Versicherung AG
- Distribution
- brokers and direct
- VHV Camping, Dokument 200.0031.245 Edition: 200.0031.245 BFSG Stand 07.2026 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 VHV Campinginhaltsversicherung Klassik Garant 2 0 and
available as plain text.
Volltext VHV Campinginhaltsversicherung Klassik Garant 2 0 Wohnwagenversicherung · As text (Markdown) VHV Campinginhaltsversicherung Klassik Garant 2 0 Caravan insurance