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WGV für: the policy wording in full
Kfz-Versicherung der WGV (AKB Stand 05.2026, für Wohnwagen gilt der OPTIMAL-Tarif) mit Markise und Vorzelt bis 1.500 Euro, Campingeinbauten bis 5.000 Euro, Sturm ab Windstärke 7, Tierbiss mit Folgeschäden und optionalem Camping-Inhaltsschutz bis 10.000 Euro ohne Selbstbeteiligung; keine Ruheversicherung 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 WGV für.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable objects (caravan, travel trailer, folding trailer, mobile home, tiny house on wheels) | yes | „Dies gilt bei Campingfahrzeugen und Wohnwagenanhängern auch für Markisen und Vorzelte.“ | AKB A.2.1.2.1 a, page 13 |
| 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 …“ | AKB A.1.3.1, page 12 |
| 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 …“ | AKB A.1.1.5, page 12 |
| Dormant cover when deregistered or out of season (duration in months) | no | „Die Regelungen nach H.1.1 und H.1.2 gelten nicht für Wohnwagenanhänger“ | AKB H.1.3, page 31 |
| Seasonal and interchangeable plates possible | yes | „Für Verträge von Wohnwagenanhängern wird abweichend von H.2.1 der Jahresbeitrag …“ | AKB H.2.4, 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 Versicherungsschutz in den geographischen Grenzen Europas sowie den …“ | Informationsblatt, Wo bin ich versichert?, 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 | „Versichert sind Brand und Explosion.“ | AKB A.2.2.1.1, page 13 |
| 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“ | AKB A.2.2.1.2 a, page 13 |
| Storm, hail, lightning and flood | yes, up to the sum insured | „Als Sturm gilt eine wetterbedingte Luftbewegung von mindestens Windstärke 7.“ | AKB A.2.2.1.3, page 13 |
| Further natural hazards (snow load, avalanche, landslide, earthquake, falling trees) | yes, up to the sum insured | „Blitzschlag, Überschwemmung, Lawinen, Muren, Erdsenkung, Erdbeben oder Vulkanausbruch.“ | AKB A.2.2.1.3, page 13 |
| Glass breakage including plastic windows and roof vents | yes, up to the sum insured | „Versichert sind Bruchschäden an der Verglasung des Fahrzeugs.“ | AKB A.2.2.1.5, page 14 |
| Animal bites to cables and lines including consequential damage | yes, up to the sum insured | „sind Schäden, die unmittelbar durch Tierbiss (z.B. Marder) an Ihrem Fahrzeug verursacht …“ | AKB A.2.2.1.7 a, page 14 |
| Accident damage to the caravan, also when manoeuvring and uncoupling (comprehensive) | yes, up to the sum insured | „Versichert sind Schäden am Fahrzeug durch Unfall.“ | AKB A.2.2.2.2, page 14 |
| Malicious damage by third parties | yes, up to the sum insured | „Versichert sind mut- oder böswillige Handlungen von Personen, die in keiner Weise …“ | AKB A.2.2.2.3, page 14 |
| New value compensation for total loss or theft (months or years since first registration) | not addressed | ||
| Waiver of the gross negligence defence | yes | „Bei der grob fahrlässigen Herbeiführung des Versicherungsfalls verzichten wir auf den …“ | AKB A.2.9.1, page 18 |
| 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 EUR 1,500 | „Dies gilt bei Campingfahrzeugen und Wohnwagenanhängern auch für Markisen und Vorzelte …“ | AKB A.2.1.2.1 a, page 13 |
| 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) | yes, up to the sum insured | „Dies gilt bei Campingfahrzeugen und Wohnwagenanhängern auch für Markisen und Vorzelte.“ | AKB A.2.1.2.1 a, page 13 |
| 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 EUR 5,000 | „Dies gilt auch für nicht abnahmepflichtige Einbauten zu Campingzwecken am Fahrzeug …“ | AKB A.2.1.2.1 a, page 13 |
| Retrofitted accessories (value limit without notification) | yes, up to EUR 5,000 | „Diese sind bis zu einem Gesamtneuwert von 5.000 EUR (brutto) mitversichert.“ | AKB A.2.1.2.1 a, page 13 |
| 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 | „Versichert ist der Fahrzeuginhalt Ihres privat- und selbstgenutzten Campingfahrzeugs“ | AKB A.2.2.4.1, page 14 |
| Sum insured for contents | yes, up to EUR 10,000 | „Unsere Leistung für ein Schadenereignis ist beschränkt auf die Versicherungssumme von …“ | AKB A.2.2.4.3, page 15 |
| Contents in the awning (own limit) | yes, up to the sum insured | „im verschlossenen Vorzelt oder Vorbau (z.B. durch Reißverschluss oder Türe)“ | AKB A.2.2.4.2, page 15 |
| Valuables, cash and jewellery (limit) | yes, up to EUR 5,000 | „Pelze, Schmuck und Gegenstände aus Edelmetall.“ | AKB A.2.2.4.3.2, page 15 |
| Entertainment and mobile electronics (TV, laptop, camera) | yes, up to EUR 5,000 | „Geräte der Unterhaltungselektronik (z.B. Radio, Fernsehgeräte, DVD-Player),“ | AKB A.2.2.4.3.2, page 15 |
| Bicycles and e-bikes on the pitch or on the rack | yes, up to EUR 5,000 | „nicht versicherungspflichtige Fahrräder mit oder ohne Hilfsmotor (E-Bike oder …“ | AKB A.2.2.4.3.2, page 15 |
| Burglary from the locked caravan | yes, up to the sum insured | „auch aus dem verschlossenen Campingfahrzeug oder Wohnwagenanhänger“ | AKB A.2.2.4.1, page 15 |
| 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 | „mitgeführter Wohnwagen-, Gepäck- oder Bootsanhänger.“ | AKB A.3 Schutzbrief, page 19 |
| 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 | yes, up to the sum insured | „Ist eine Selbstbeteiligung vereinbart, wird diese bei jedem Schadenereignis von der …“ | AKB A.2.5.8, page 18 |
| Excess in comprehensive cover | yes, up to the sum insured | „Ist eine Selbstbeteiligung vereinbart, wird diese bei jedem Schadenereignis von der …“ | AKB A.2.5.8, page 18 |
| Excess in contents and permanent camping cover | no | „Wir verzichten auf einen Abzug neu für alt. Eine Selbstbeteiligung wird nicht abgezogen.“ | AKB A.2.2.4.4, page 15 |
| 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“ | AKB 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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Policy wordings and provider
- Legal entity
- WGV-Versicherung AG, Württembergische Gemeinde-Versicherung auf Gegenseitigkeit
- Distribution
- direct from the insurer only
- Vertragsunterlagen zu Ihrer Kfz-Versicherung (mit Camping-Inhaltsschutz) Edition: AKB Stand 05.2026 (4000-9102.0526) 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 WGV für and available as plain text.
Volltext WGV für Wohnwagenversicherung · As text (Markdown) WGV für Caravan insurance