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ALTE LEIPZIGER Camping-Versicherung: the policy wording in full
Dauercamping-Versicherung für ortsfeste Wohnwagen, Mobilheime, Vorzelte und Inventar auf dem Campingplatz oder im Winterlager, ohne Schutz auf Reisen und ohne Kfz-Teil.
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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 ALTE LEIPZIGER Camping-Versicherung.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable vehicles (motorhome, panel van conversion, camper bus, car with camping conversion) | yes | „Wohnwagen, Mobilheime, Mobilhäuser oder Tiny Houses, die nicht auf eigener Achse am …“ | 1.2.1, page 1 |
| Maximum permissible total weight (for example 3.5 t or 7.5 t) | not addressed | ||
| 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 | no | „soweit sie nicht ständigen Wohnzwecken, der Berufsausübung oder dem Verkauf dienen …“ | 1.2, page 1 |
| Territorial scope (Europe, non European EU territories, Mediterranean countries) | not addressed | ||
| 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 | yes | „Brand, Blitzschlag, Implosion, Explosion und Verpuffung sowie Überspannungsschäden …“ | 2.1.2, page 1 |
| Theft, robbery and unauthorised use of the vehicle | yes | „Entwendung, insbesondere Diebstahl, unbefugten Gebrauch, Raub und Unterschlagung.“ | 2.1.1, page 1 |
| Theft of fixed or locked away vehicle parts | not addressed | ||
| Storm, hail, lightning and flood | yes | „unmittelbare Einwirkung von Sturm, Hagel oder weitere Elementargefahren. - Sofern …“ | 2.1.3, page 1 |
| Further natural hazards (avalanche, landslide, snow load, roof avalanche, earthquake, volcanic eruption) | yes | „durch unmittelbare Einwirkung von Erdsenkung, Erdrutsch, Lawinen, Schneedruck …“ | 2.1.3, page 1 |
| Glass breakage including plastic windows, roof hatches and habitation windows | yes | „Der Versicherungsschutz erstreckt sich auch auf Bruchschäden an der Außenverglasung.“ | 2.2, page 1 |
| 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) | yes | „Unfall des Wohnwagens oder Mobilheims, das heißt durch ein unmittelbar von außen her …“ | 2.1.4, page 1 |
| Malicious damage by third parties (vandalism) | yes | „mut- oder böswillige Handlungen fremder Personen (vorsätzliche Sachbeschädigung)“ | 2.1.5, page 1 |
| 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) | yes | „einschließlich aller fabrikmäßig mitgelieferten Teile und der fest eingebauten …“ | 1.2.1, page 1 |
| Retrofitted accessories covered (value limit without notification) | not addressed | ||
| Solar panels on the roof | not addressed | ||
| Satellite system, antennas and fixed entertainment electronics | yes | „Rundfunk-, Phono-, Fernsehgeräte und Videorecorder sowie die dazugehörigen Antennen“ | 1.2.3, page 1 |
| Awning and awning tent | yes | „Zelte, Vorzelte, Zelt- und Klappanhänger sowie Markisen und Sonnendächer“ | 1.2.2, page 1 |
| Bike rack and bicycles carried on it | not addressed | ||
| Leisure battery and charging equipment (including lithium) | not addressed | ||
| Water escape from tanks and pipes and frost damage in the habitation body | yes | „Leitungswasser. Leitungswasser ist Wasser, das aus den Zu- oder Ableitungsrohren der …“ | 2.1.6, page 1 |
| Moisture and leaks of the body excluded | yes | „Nicht versichert sind Schäden verursacht durch Grundwasser oder unmittelbare …“ | 2.1.6, page 1 |
Contents and camping
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal contents in the vehicle insured (camping contents, luggage) | yes | „sonstiges bewegliches Inventar und die Gegenstände des persönlichen Bedarfs.“ | 1.2.4, page 1 |
| Sum insured for contents | yes | „Versichert sind die im Versicherungsschein jeweils mit einer Versicherungssumme …“ | 1.1, page 1 |
| Valuables, cash and jewellery (limit) | no | „Bargeld, Wertpapiere, Sparbücher sowie Urkunden und Dokumente aller Art, Sammlungen …“ | 1.3.2, page 1 |
| Portable electronics (laptop, camera, phone) | no | „Foto- und Filmapparate und Zubehör, Video- / Digital-Kameras, Mobiltelefone, Laptops …“ | 1.3.2, page 1 |
| Sports equipment (bicycles, e bikes, boards, canoes) | no | „Land-, Luft- und Wasserfahrzeuge (z. B. auch Fahrräder und Surfbretter) sowie …“ | 1.3.3, page 1 |
| Theft by break in from the locked vehicle | yes | „Mobilheim, Mobilhaus, Tiny House oder zugeknöpften Zelt aufbewahrt werden.“ | 4.4.2, page 2 |
| Night time clause or duty to park on a guarded site | not addressed | ||
| Cover only on campsites, pitches or at home | yes | „auf einem offiziellen (von Behörden, Vereinen oder privaten Unternehmern …“ | 4.1.1, page 1 |
| Maximum trip duration for contents cover | yes | „Die Versicherung gilt nicht, während sich die versicherten Sachen auf einer Reise …“ | 4.3, page 2 |
| 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 | yes, excess EUR 300 | „bei Schäden durch Sturm/Hagel oder weitere Elementargefahren (Ziffer 2.1.3) gilt eine …“ | 12.1.3, page 4 |
| Excess for comprehensive cover | yes, excess EUR 250 | „bei Schäden am Wohnwagen, Mobilheim, Mobilhaus oder Tiny House durch Unfall sowie bei …“ | 12.1.2, page 4 |
| Excess for contents cover | yes, excess EUR 250 | „bei Schäden durch Diebstahl oder unbefugten Gebrauch von Sachen gemäß Ziffern 1.2.2 bis …“ | 12.1.1, page 4 |
| 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 | „im Winterlager in einem verschlossenen Raum oder auf einem allseitig umzäunten oder …“ | 4.1.2, page 1 |
| Required anti theft devices (immobiliser, tracker, locks) | not addressed | ||
| 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.
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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
- Alte Leipziger Versicherung Aktiengesellschaft
- Distribution
- brokers and direct
- Versicherungsbedingungen für die Camping-Versicherung (VB Camping 2023) Edition: VB Camping 2023, AL-Fassung März 2023 Copy hosted by an intermediary, not by the insurer
- Produktinformationsblatt Campingversicherung (T293) Edition: Produktinformationsblatt Stand Februar 2023 Copy hosted by an intermediary, not by the insurer
Full text of the wording
The full text exists only in German. It is printed on the German page for ALTE LEIPZIGER Camping-Versicherung and available as plain text.
Volltext ALTE LEIPZIGER Camping-Versicherung · As text (Markdown) ALTE LEIPZIGER Camping-Versicherung