Vanlife: Safe into adventure

Germany's roads and scenic areas are experiencing a true vanlife boom. Over a million motorhomes were registered in April 2025, twice the number compared to eight years ago. Vanlife has become more than just a trend; it’s a way of life. However, those seeking freedom on the road should also consider insurance, and protect themselves against risks to ensure their adventure doesn’t end in chaos. Peter Schnitzler, motor vehicle expert from ERGO, and Sabine Brandl, lawyer at ERGO Legal Protection Services GmbH, know what is important.

Van, bus or self-build?

When embarking on vanlife, many think first of freedom, sunsets by the lake, and campfire romance. However, before the adventure begins, choosing the right vehicle is crucial. “Whether it’s a motorhome, campervan, or self-build, each vehicle comes with its own requirements,” explains Sabine Brandl, lawyer at ERGO Legal Protection Services GmbH. Motorhomes are usually well-equipped from the factory and ready to go. Campervans are smaller and less comfortable but are more maneuverable, making them ideal for both city and countryside. In contrast, self-builds require careful planning and attention, not just for the build itself but also for registration.

What to consider when registering

Regardless of the choice: “To officially register as a motorhome, certain minimum requirements must be met: a seating area with a table, a sleeping area, a permanently installed cooking facility, as well as storage space and a safety ventilation system. Cabinet doors must be secured so they cannot open on their own while driving,” says Brandl. Additionally, an inspection by a technical inspection organisation, such as TÜV or DEKRA, is mandatory. This is because converting a vehicle into a camper can void its operating permit. A new operating permit is then issued by the vehicle registration office, based on the examiner's report. The exact requirements for motorhome registration are outlined in TÜV's information sheet 740, which is available for download for a fee.

What to consider when staying overnight

When planning the route, it’s important to plan ahead rather than improvise. “Sleeping in the vehicle for one night to restore driving capability is permitted. However, this does not mean ‘camping’. Setting up camping furniture or deploying awnings is not allowed. Permanent wild camping is generally prohibited in this country,” explains the expert. Official parking and camping sites are the better choice. Different rules apply here; for instance, motorhome parking spaces are usually intended for short-term use, unlike camping sites, where additional facilities may be allowed.

Insured on the go

Independence on the road can only be achieved with the right protection. “A motor vehicle liability insurance is mandatory and protects against personal and property damage caused by the insured to others,” says Peter Schnitzler, motor vehicle expert at ERGO. A partial comprehensive insurance covers the vehicle against theft, storm damage, glass breakage, or fire. Full comprehensive insurance additionally covers damage from self-inflicted accidents or vandalism. However, be aware that vehicle protection typically does not cover personal belongings. “For equipment, electronics, and personal items, contents insurance for campers is advisable,” explains Schnitzler. This protects against burglary or damage and can be tailored to individual needs.

Breakdown assistance: vehicle protection letter or membership in an automobile club?

Even the best vanlife is not immune to breakdowns. One option for preparing for such situations is a protection letter. “It typically includes services like roadside assistance, towing, accommodation costs, vehicle return transport, rental cars, and medical repatriation from abroad,” says Schnitzler. Insurance protection letters come in various forms with different scopes of service. “If a protection letter is taken out as an add-on to motor vehicle insurance, it is vehicle-specific, meaning the protection only applies to the insured vehicle. However, there are also personal protection letters, which cover the insured person regardless of the vehicle being driven, whether as driver of a rental car or as passenger,” Schnitzler explains. Another option is membership in an automobile club, which usually offers basic or premium memberships with additional services. Many memberships are more expensive than a protection letter, but their services are typically person-based.

Informed travellers are safer

What is now better suited for vanlife? Both protection letters and automobile club memberships offer varying services depending on the provider. Which option is best depends on factors such as how often the vehicle is used, whether long distances will be travelled, and if foreign trips are planned. Therefore, a comparison is advisable. In every case, it’s essential to check if there are restrictions for motorhomes, such as limitations on height, weight, or age of the vehicle. Those who prepare well for their vanlife adventure can travel more safely and enjoy the most beautiful moments without worry.