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Provinzial für Campingfahrzeuge: the policy wording in full
Sonderbedingungen für Campingfahrzeuge zu den Provinzial AKB mit Folgeschäden nach Kurzschluss und Tierbiss bis 20.000 Euro, Reifenplatzer als Unfall und Kauf- oder Neuwertentschädigung auch für umgebaute Lieferwagen.
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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 Provinzial für Campingfahrzeuge.
Basics
| Point | Rule | Wording (German) | Clause |
|---|---|---|---|
| Insurable vehicles (motorhome, panel van conversion, camper bus, car with camping conversion) | yes | „Fahrzeuge zu Campingzwecken im Sinne dieser Bedingungen sind: Fahrzeuge, die als …“ | Einleitung, page 1 |
| Maximum permissible total weight (for example 3.5 t or 7.5 t) | yes | „Lkw bis 3,5 t zulässige Gesamtmasse (Lieferwagen) zugelassen sind und für die …“ | Einleitung, page 1 |
| Self built and converted vehicles insurable | yes | „für die überwiegende Nutzung zu Campingzwecken umgebaut wurden deren Umbauten …“ | Einleitung, page 1 |
| 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) | 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 | 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 | yes, up to EUR 20,000 | „sind die Folgeschäden unter den dort genannten Voraussetzungen nicht auf 5.000 Euro …“ | A.2.1, page 2 |
| Short circuit and surge damage to wiring including consequential damage | yes, up to EUR 20,000 | „sind die Folgeschäden unter den dort genannten Voraussetzungen nicht auf 5.000 Euro …“ | A.2.1, page 2 |
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 | yes | „gilt es auch als Unfall, wenn am Fahrzeug ein Reifen ohne Einwirkung von außen platzt …“ | A.2.2, page 2 |
| New price compensation after total loss or theft (months from first registration) | yes | „wird die Kaufwertentschädigung oder Neupreisentschädigung unter den genannten …“ | A.3.1, page 2 |
| Purchase price compensation for used vehicles (months from purchase) | yes | „wird die Kaufwertentschädigung oder Neupreisentschädigung unter den genannten …“ | A.3.1, page 2 |
| 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 | „sind bei Lkw bis 3,5 t zulässige Gesamtmasse (Lieferwagen) Aufbauten und Ausstattungen …“ | A.1.1, page 1 |
| Retrofitted accessories covered (value limit without notification) | yes | „nachträglich eingebaute oder mit dem Fahrzeug dauerhaft verbundene Fahrzeug- und …“ | A.1.2, page 1 |
| 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) | 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 | 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) | no | „Bestimmungen der AKB, die nicht für Ihr Fahrzeug zu Campingzwecken gelten B.1 …“ | B.1, page 2 |
| 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
- Provinzial Nord Brandkasse Aktiengesellschaft
- Distribution
- through tied agents
- Sonderbedingungen für die Kfz-Versicherung von Fahrzeugen zu Campingzwecken Edition: Sonderbedingung Stand 09.2026 Original from the insurer (PDF, German)
- Sonderbedingungen für die Kfz-Versicherung von Fahrzeugen zu Campingzwecken, Variante 2 Edition: Sonderbedingung Stand 09.2026 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 Provinzial für Campingfahrzeuge and available as plain text.
Volltext Provinzial für Campingfahrzeuge · As text (Markdown) Provinzial für Campingfahrzeuge