Rooftop tent insurance – Do I have to insure my roof tent?
Generally speaking, roof tents are not insured when you buy them.
However, to be on the safe side and be covered in the event of theft or an accident, you can take out insurance for your roof tent or tent trailer.
You can find out what options you have and what costs you will incur here.
Camping Ratgeber:
How do I insure my roof tent?
Even if the probability of roof tents being stolen is very low, it can still happen in rare cases.
It therefore makes sense to insure it if necessary.
Even if an accident should happen, a roof tent is usually not automatically insured.
However, as it can cost quite a lot overall, insurance is also recommended in this case so that you don’t end up paying the costs.
But what insurance do I need for my roof tent?
Rooftop tent insurance & theft protection
Generally speaking, it is not that easy to insure a roof tent.
According to road traffic regulations, roof tents fall under “cargo” on the roof.
However, some insurance companies see the roof tent as additional equipment of the vehicle, which is why you should first check which category the roof tent falls under so that you can insure it accordingly.
In addition, an anti-theft device is definitely recommended, which you can simply attach to the bottom of your roof tent if you are going on a longer day trip on foot, for example.
This means it cannot simply be removed from the roof and you don’t have to worry unnecessarily.
Insurance: options and information
When it comes to insurance, you usually have the choice between third-party liability insurance, partially comprehensive cover and fully comprehensive cover.
While third-party liability covers damage that you have caused to other vehicles, partially comprehensive insurance also covers damage to your vehicle caused by external influences.
This also includes theft.
Fully comprehensive insurance also includes damage caused by yourself.
Either way, no matter which insurance you choose, you should first clarify whether your roof tent is included.
You have the choice between the following insurances:
- Liability insurance
- Comprehensive insurance
- Fully comprehensive insurance
Sum insured: costs & cover
Regardless of whether the roof tent falls under “cargo” or “vehicle equipment” – you should also pay attention to the amount of cover provided by the respective insurance.
With a standard sum of up to 5,000 euros, a complete roof tent should be covered in most cases.
If not, you can find out about possible supplementary insurance, for example.
In general, liability insurance costs between 20 and 30 euros per year.
The costs for partially or fully comprehensive insurance vary between 40 and 100 euros, depending on the insurance company.
- 20,- to 30,- Euro for third party liability
- 40,- 100,- Euro for partial / fully comprehensive cover
