– Mishaps on vacation: accident or breakdown – which insurance helps – mobile home – household on four wheels: household contents are also insured outside the home – tailor-made insurance protection saves money
Holidays with a mobile home are becoming increasingly popular in Germany. In the past five years alone, the number of registered mobile homes has almost doubled to almost 450,000 according to the Federal Motor Transport Authority. Gone are the days when holidaymakers simply gave chance a chance. Good planning helps to be able to enjoy your holiday in a relaxed manner.
This does not only include route planning and parking space booking. Anyone who travels abroad should also think about ID, driver’s license and travel health insurance when preparing for the trip. It is no less important that the green insurance card and a European accident report are in the glove compartment. The latter is particularly important as evidence in countries where the police do not always come to the scene of an accident.
Accident abroad: an extremely unpleasant thought. According to HUK-COBURG, you can take good precautions with damage protection insurance abroad – often an additional module of motor vehicle insurance. After the collision, the accident victim can call their own motor vehicle insurance company, which will regulate the damage as if the person who caused the accident or the other party had motor liability insurance with them.
Even if you cause an accident yourself or have a breakdown, you don’t have to deal with all the problems alone with a cover letter in your pocket. After calling the provider, he then takes over the breakdown and accident organization for your own vehicle.
An accident doesn’t happen every day. Most drivers are nervous. That’s why it pays off to have the emergency numbers programmed into your cell phone before you start your journey. It is best to use the German area code. – If the car insurance company offers such apps, they should also be on the cell phone before the start of the holiday.
Theft at the campsite
If you travel with a mobile home, you don’t have to do without comfort. Unfortunately, burglaries on the campsite, but especially when staying overnight at motorway service stations, are not that uncommon. Your own belongings are also protected when you are away from home, provided you have household contents insurance. Damage caused by fire or lightning is also covered here. The prerequisite for protection is that the household effects are only temporarily in the camper van.
The risk protection can often be expanded with an additional module. Then, for example, the theft of camping furniture or a grill on the pitch is also insured or – if an accident occurs – damage to household goods is also covered.
If the burglar destroys or devastates the furnishings of the mobile home, the fully comprehensive insurance is responsible for this. If he steals permanently installed parts such as a navigation system or radio, the partial comprehensive insurance is responsible for this.
Usually a mobile home is not used all year round, but for a maximum of a few months. After that, it just disappears into a garage. Only when the temperatures rise next spring will it be brought out again. Anyone who does not use their mobile home all year round can register it with the registration office for a minimum of two months and a maximum of eleven months. This saves tax and insurance premiums, which then only apply for the agreed months.
Further information and contact: HUK-COBURG Corporate Communications Email: [email protected]
Karin Benning
Tel.: 09561/96-22604
E-Mail: [email protected]
2023-07-20 16:06:24
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