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Dialog für Wohnmobile: the policy wording in full
Kfz-Tarif für Wohnmobile mit 100 Mio. Euro Haftpflicht, erweiterten Naturgefahren, Tieren aller Art, 24 Monaten Neu- und Kaufpreisentschädigung und Verzicht auf den Einwand grober Fahrlässigkeit; Schutzbrief, GAP und Rabattschutz als Bausteine.
German market: tariffs for people living in Germany.
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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 Dialog für Wohnmobile.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable vehicles (motorhome, panel van conversion, camper bus, car with camping conversion) | not addressed | ||
| 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) | yes, up to EUR 100 million | „Versicherungssumme 100 Mio. €“ | Kfz-Haftpflicht, page 1 |
| Liability cap per injured person | yes, up to EUR 15 million | „Versicherungssumme für Personenschäden Max. 15 Mio. € pro Person“ | Kfz-Haftpflicht, page 1 |
| 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) | not addressed | ||
| Foreign accident cover and rental car liability top up abroad | yes | „FahrerPLUS Versicherung, inklusive Auslandsschadenschutz Optional“ | A.5 und A.6, page 1 |
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 | yes | „Sturm, Hagel, Blitzschlag, Überschwemmung, Lawinen, Dachlawinen“ | A.2.2.1.3, page 2 |
| Further natural hazards (avalanche, landslide, snow load, roof avalanche, earthquake, volcanic eruption) | yes | „Schneedruck, Erdrutsch, Murgang, Erdbeben, Erdsenkung, Vulkanausbruch“ | A.2.2.1.3, page 2 |
| Glass breakage including plastic windows, roof hatches and habitation windows | yes | „Bruchschäden an der Verglasung (Glas- und Kunststoffscheiben“ | A.2.2.1.5, page 2 |
| Collision with animals of all kinds (not only game) | yes | „Zusammenstoß mit Tieren aller Art“ | A.2.2.1.4, page 2 |
| Animal bites on wiring and hoses including consequential damage | yes, up to EUR 5,000 | „Folgeschäden durch Tierbiss Bis 5.000 €“ | A.2.2.1.7, page 2 |
| Short circuit and surge damage to wiring including consequential damage | yes, up to EUR 5,000 | „Folgeschäden durch Kurzschluss Bis 5.000 €“ | A.2.2.1.6, page 2 |
Comprehensive cover and settlement
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Accident damage to own vehicle (comprehensive) | yes | „Eigenschadendeckung bis 100.000 € pro Versicherungsjahr“ | A.2.2.2.4, page 2 |
| 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) | yes | „Neupreisentschädigung 24 Monate“ | A.2.5.1.3, page 2 |
| Purchase price compensation for used vehicles (months from purchase) | yes | „Kaufpreisentschädigung 24 Monate“ | A.2.5.1.4, page 2 |
| Waiver of the gross negligence defence | yes | „Verzicht auf Einwand der groben Fahrlässigkeit“ | A.2.9.2, page 2 |
| GAP cover for leasing or finance | yes | „GAP-Deckung (für geleaste und kreditfinanzierte Fahrzeuge)“ | A.2.5.1.2, page 3 |
Habitation body, equipment and accessories
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Fixed habitation equipment (kitchen, fridge, heating, sanitary) | not addressed | ||
| Retrofitted accessories covered (value limit without notification) | yes | „Beitragsfrei mitversicherte Teile Unbegrenzt bis zum Wiederbeschaffungswert“ | A.2.1.2.2, page 2 |
| 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 | not addressed | ||
| 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) | not addressed | ||
| Sum insured for contents | not addressed | ||
| Valuables, cash and jewellery (limit) | not addressed | ||
| Portable electronics (laptop, camera, phone) | not addressed | ||
| Sports equipment (bicycles, e bikes, boards, canoes) | not addressed | ||
| Theft by break in from the locked vehicle | not addressed | ||
| Night time clause or duty to park on a guarded site | not addressed | ||
| Cover only on campsites, pitches or at home | not addressed | ||
| 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) | yes | „Kfz-Schutzbriefversicherung (bis 9,9 t Gesamtgewicht und 3,65 m Höhe)“ | A.3, page 3 |
| 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 | yes | „Kostenerstattung bei Entwendung der Fahrzeugschlüssel“ | A.2.5.1.11, page 2 |
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 | 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) | yes | „Sondereinstufung Zweitwagenregelung Bis SF 3“ | I.2.2.2, page 1 |
| No claims protection (one claim a year without downgrade) | yes | „Rabattschutz ab SF 1 Optional“ | I.3.3.2, page 1 |
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
- Dialog Versicherung Aktiengesellschaft
- Distribution
- available through brokers
- Leistungsübersicht Wohnmobile Edition: Leistungsübersicht Kfz-Tarif 10/2026 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 Dialog für Wohnmobile and available as plain text.
Volltext Dialog für Wohnmobile · As text (Markdown) Dialog für Wohnmobile