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ARAG Camper-Haushaltsschutz: the policy wording in full
Inhaltsversicherung für das lose Inventar privat genutzter Wohnmobile und Wohnwagen gegen Brand, Einbruch, Raub, Sturm, Hagel, Überschwemmung und Unfall in Europa und Mittelmeeranrainern, ohne Bargeld und Schmuck.
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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 ARAG Camper-Haushaltsschutz.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable vehicles (motorhome, panel van conversion, camper bus, car with camping conversion) | yes | „in dem im Versicherungsschein bezeichneten, ausschließlich privat genutzten Fahrzeug …“ | Teil A § 6 Nr. 1, page 13 |
| 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 | „das weder als Selbstfahrer-Vermiet- oder Mietfahrzeug zugelassen ist noch als solches …“ | Teil A § 6 Nr. 1, page 13 |
| Territorial scope (Europe, non European EU territories, Mediterranean countries) | yes | „solange es sich in den geographischen Grenzen Europas, den außereuropäischen Ländern …“ | Teil A § 6 Nr. 4, page 14 |
| 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 | „Fahrzeugteile und -zubehör, die im Rahmen der Kaskoversicherung des …“ | Teil A § 6 Nr. 3 e), page 14 |
| 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 | „außen am Wohnmobil/Wohnwagen befestigte Fahrräder und sonstige Sportgeräte müssen mit …“ | Teil A § 6 Nr. 2.4 e), page 14 |
| 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 | yes | „Eindringen von Regen, Hagel, Schnee oder Schmutz durch nicht ordnungsgemäß geschlossene …“ | Teil A § 4 Nr. 6 a) ac), page 13 |
Contents and camping
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Personal contents in the vehicle insured (camping contents, luggage) | yes | „Versichert ist der mitgeführte Inhalt (Hausrat) des Versicherungsnehmers und der mit …“ | Teil A § 6 Nr. 1, page 13 |
| Sum insured for contents | yes | „Als Versicherungssumme steht der im Versicherungsschein genannte Betrag zur Verfügung.“ | Teil A § 7 Nr. 2, page 14 |
| Valuables, cash and jewellery (limit) | no | „Bargeld, Wertpapiere, Sparbücher, sowie Urkunden und Dokumente aller Art“ | Teil A § 6 Nr. 3 b), page 14 |
| Portable electronics (laptop, camera, phone) | yes | „Die Entschädigungsleistung für die unter Punkt 2.4 genannten Positionen ist auf die im …“ | Teil A § 6 Nr. 2.4, page 14 |
| Sports equipment (bicycles, e bikes, boards, canoes) | yes | „Fahrräder und sonstige Sportgeräte; außen am Wohnmobil/Wohnwagen befestigte Fahrräder …“ | Teil A § 6 Nr. 2.4 e), page 14 |
| Theft by break in from the locked vehicle | yes | „in das Wohnmobil/Wohnwagen einbricht oder mittels eines Schlüssels, dessen Anfertigung …“ | Teil A § 3 Nr. 2 a), page 12 |
| Night time clause or duty to park on a guarded site | not addressed | ||
| Cover only on campsites, pitches or at home | none | „Versicherungsort ist das im Versicherungsschein bezeichnete Wohnmobil/Wohnwagen …“ | Teil A § 6 Nr. 4, page 14 |
| Maximum trip duration for contents cover | not addressed | ||
| 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) | yes | „Das Fahrzeug darf nur von einem berechtigten Fahrer gebraucht werden.“ | Teil A § 5 Nr. 1 b) bb), page 13 |
| Agreed annual mileage with consequences if exceeded | not addressed | ||
| Duty to store in a hall, garage or winter storage | not addressed | ||
| 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.
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
- ARAG Allgemeine Versicherungs-Aktiengesellschaft
- Distribution
- brokers and direct
- Bedingungen ARAG Camper-Haushaltsschutz für privat genutzte Wohnmobile und Wohnwagen (CHSB 2021) Edition: CHSB 2021, Stand 08.2021 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 ARAG Camper-Haushaltsschutz and available as plain text.
Volltext ARAG Camper-Haushaltsschutz · As text (Markdown) ARAG Camper-Haushaltsschutz