Insurance broker / Motorhome insurance / Policy wording archive
agencio WoMi: the policy wording in full
Inhaltsversicherung für Wohnmobile, Wohnwagen und Pkw (Risikoträger Ammerländer) mit weltweitem Schutz ohne Zeitgrenze, Elektronik und Sportgeräten bis 7.500 Euro, Wertsachen bis 3.500 Euro und Schutz auch außerhalb von Campingplätzen.
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Everything about this policy
What the policy covers: 68 points, each with its clause
Quotes are shortened. The full German wording of each point is on the German page for agencio WoMi.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable vehicles (motorhome, panel van conversion, camper bus, car with camping conversion) | yes | „Kraftfahrzeuge im Sinne dieser Bedingungen sind alle zugelassenen …“ | § 11 Nr. 2 f), page 19 |
| Maximum permissible total weight (for example 3.5 t or 7.5 t) | no | „Darunter fallen unabhängig vom maximalen Gesamtgewicht auch Wohnmobile, Wohnwagen sowie …“ | § 11 Nr. 2 f), page 19 |
| Self built and converted vehicles insurable | not addressed | ||
| Motor third party liability limit (combined for bodily injury, property and financial loss) | not addressed | ||
| Liability cap per injured person | not addressed | ||
| Seasonal and interchangeable number plates possible | not addressed | ||
| Dormant cover while deregistered or off season (duration in months) | not addressed | ||
| Occasional rental to third parties allowed | not addressed | ||
| Territorial scope (Europe, non European EU territories, Mediterranean countries) | yes | „Der Versicherungsschutz gilt weltweit ohne zeitliche Begrenzung.“ | § 11 Nr. 1, page 19 |
| Foreign accident cover and rental car liability top up abroad | not addressed |
Partial cover (fire, theft, nature)
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fire and explosion, including from the gas system | not addressed | ||
| Theft, robbery and unauthorised use of the vehicle | not addressed | ||
| Theft of fixed or locked away vehicle parts | not addressed | ||
| Storm, hail, lightning and flood | not addressed | ||
| Further natural hazards (avalanche, landslide, snow load, roof avalanche, earthquake, volcanic eruption) | not addressed | ||
| Glass breakage including plastic windows, roof hatches and habitation windows | not addressed | ||
| Collision with animals of all kinds (not only game) | not addressed | ||
| Animal bites on wiring and hoses including consequential damage | not addressed | ||
| Short circuit and surge damage to wiring including consequential damage | not addressed |
Comprehensive cover and settlement
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accident damage to own vehicle (comprehensive) | not addressed | ||
| Malicious damage by third parties (vandalism) | not addressed | ||
| Impact of the body against low clearances, branches or overhangs | not addressed | ||
| Tyre burst with consequential body damage treated as accident | not addressed | ||
| New price compensation after total loss or theft (months from first registration) | not addressed | ||
| Purchase price compensation for used vehicles (months from purchase) | not addressed | ||
| Waiver of the gross negligence defence | not addressed | ||
| GAP cover for leasing or finance | not addressed |
Habitation body, equipment and accessories
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fixed habitation equipment (kitchen, fridge, heating, sanitary) | no | „das Kraftfahrzeug selbst sowie eingebaute und fest mit dem Kraftfahrzeug verbundene Sachen“ | § 9 Nr. 3 a), page 19 |
| Retrofitted accessories covered (value limit without notification) | not addressed | ||
| Solar panels on the roof | not addressed | ||
| Satellite system, antennas and fixed entertainment electronics | not addressed | ||
| Awning and awning tent | not addressed | ||
| Bike rack and bicycles carried on it | yes, up to EUR 7,500 | „mit einem Panzerkabelschloss gegen die einfache Wegnahme gesichert sein.“ | § 9 Nr. 2 b) dd), page 18 |
| Leisure battery and charging equipment (including lithium) | not addressed | ||
| Water escape from tanks and pipes and frost damage in the habitation body | not addressed | ||
| Moisture and leaks of the body excluded | not addressed |
Contents and camping
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal contents in the vehicle insured (camping contents, luggage) | yes | „Versichert sind alle Sachen des persönlichen Bedarfs und beruflich / gewerblich …“ | § 9 Nr. 1, page 18 |
| Sum insured for contents | yes | „Die im Versicherungsschein dokumentierte Versicherungssumme gilt je Schadenereignis.“ | § 10 Nr. 1, page 19 |
| Valuables, cash and jewellery (limit) | yes, up to EUR 3,500 | „Die maximale Entschädigungsleistung für Wertsachen und Bargeld beträgt insgesamt 3.500 …“ | § 9 Nr. 2 c), page 18 |
| Portable electronics (laptop, camera, phone) | yes, up to EUR 7,500 | „Für die folgenden Sachen ist die Maximalentschädigung je Versicherungsfall auf 7.500 …“ | § 9 Nr. 2 b), page 18 |
| Sports equipment (bicycles, e bikes, boards, canoes) | yes, up to EUR 7,500 | „Für die folgenden Sachen ist die Maximalentschädigung je Versicherungsfall auf 7.500 …“ | § 9 Nr. 2 b) dd) bis ff), page 18 |
| Theft by break in from the locked vehicle | yes | „Voraussetzung für den Versicherungsschutz ist, dass es sich um verschlossene …“ | § 3 Nr. 2, page 16 |
| Night time clause or duty to park on a guarded site | EUR 250 | „Bei Schäden zwischen 24 Uhr und 6 Uhr besteht ein Selbstbehalt in Höhe von 250 EURO“ | § 11 Nr. 2 e), page 19 |
| Cover only on campsites, pitches or at home | none | „Versicherungsschutz besteht auch für Sachen in Wohnmobilen … welche außerhalb von … …“ | § 11 Nr. 2 e), page 19 |
| Maximum trip duration for contents cover | none | „Der Versicherungsschutz gilt weltweit ohne zeitliche Begrenzung.“ | § 11 Nr. 1, page 19 |
| Liability for damage on the campsite outside use as a vehicle | not addressed |
Assistance
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Roadside assistance after breakdown or accident (including above 3.5 t) | not addressed | ||
| Towing and recovery (limit in euros) | not addressed | ||
| Repatriation of the immobilised vehicle from abroad | not addressed | ||
| Replacement vehicle or rental motorhome | not addressed | ||
| Accommodation costs when the vehicle is out of use | not addressed | ||
| Substitute driver if the driver is ill or injured | not addressed | ||
| Lock replacement after loss or theft of keys | not addressed |
Contract, duties and excess
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Excess for partial cover | not addressed | ||
| Excess for comprehensive cover | not addressed | ||
| Excess for contents cover | not addressed | ||
| Restricted drivers (age, named drivers) | not addressed | ||
| Agreed annual mileage with consequences if exceeded | not addressed | ||
| Duty to store in a hall, garage or winter storage | yes | „Mitversichert ist das Abstellen des Kraftfahrzeuges im Winterlager:“ | § 11 Nr. 2 d), page 19 |
| Required anti theft devices (immobiliser, tracker, locks) | yes | „bei jeglicher Fahrtunterbrechung ordnungsgemäß verschlossen ist.“ | § 15 Nr. 1 c), page 20 |
| Repair at insurer appointed workshops | not addressed | ||
| No claims discount or bonus malus for motorhomes (transfer from a car) | not addressed | ||
| No claims protection (one claim a year without downgrade) | not addressed |
Austria and Spain specifics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Austria: engine related insurance tax and interchangeable plates | not addressed | ||
| Spain: voluntary liability above the compulsory cover | not addressed | ||
| Spain: legal defence and damage claims | not addressed | ||
| Spain: travel assistance from kilometre 0 | 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
- agencio (Deckungskonzept), Ammerländer Versicherung VVaG (Risikoträger laut Satzungsbeilage)
- Distribution
- available through brokers
- agencio WoMi, Versicherungsbedingungen WMV 04.2024 agencio Edition: WMV 04.24, Tarif natura optimum, Stand 01.04.2024 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 agencio WoMi and available as plain text.