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How does the rain insurance for vacation and travel work?

The insured weather event is precipitation. The following types of precipitation are included:

  • Drizzle
  • Rain
  • Freezing rain
  • Freezing drizzle
  • Snow
  • Hail

One of the most rainy cities in the EU is Ljubljana in Slovenia (1368 mm rain per year). We offer even for this city -- and any other city inside the EU -- a rain insurance. But as these locations will almost certainly have one, two or even three days of rain during a one-week trip, we offer you contracts with a deductible for rainy locations and dates. In the contract data overview, you could see the following then:

Days covered / Your deductible: Non-insured days (you receive a payout for each rainy day above this numbers -- this also means only if it rains on more days than this number): 3
For a one-week trip with 100€ payout per day this means on a very rainy location and date the following:
  • 7 rainy days: 400€ payout
  • 6 rainy days: 300€ payout
  • 5 rainy days: 200€ payout
  • 4 rainy days: 100€ payout
  • 3 rainy days: no payout
  • 2 rainy days: no payout
  • 1 rainy days: no payout
  • 0 rainy days: no payout

We accept insurance contracts that start at least 14 full days before the departure date. If you leave on the 16th of a month, you need to insure not later than on the 1st of the same month, and if your departure date is the 30th, then you need to purchase the insurance on the 15th or earlier.

We insure personal and business travel, and any other purpose of travel: what counts is that you actually go on a trip.

We always insure a specified risk location per contract. This can be an address, a hotel name or a city (in this case the system chooses automatically a location inside the city as the risk location). We show the GPS coordinates of the insured location in the contract data overview before the purchase.

If you travel to multiple locations, e.g. you're making a road trip or a cruise, please create a separate contract for each location and the respective dates of visit.

We're sorry that your travel got wetter than you wanted! We will send you an automatic message at the end of the insurance period. If the rain amount in your contract was reached, you can request your payout immediately, and it will be transferred to your account right after that! The payout depends on how many days were rainy, and how many days were covered (without deductible). The daily payout is mostly 50€ or 100€ (this number is shown in the contract data overview before the purchase).

Priority 1: Our Data Provider: We determine your eligibility for payment based on weather data from our service provider, Meteostat. They also transparently publish this data on their website. Meteostat collects forecast data and weather records from various sources, with the source of each data point being transparently documented. Meteostat is the definitive source for your eligibility for payment. Important Note: Please select "Settings" in the top right corner of Meteostat's webpage and disable the "Model Data" setting to view actual weather measurement data. Otherwise, you may see the latest weather forecast. Website: Also Good: Weather Stations and Radar Data: Sometimes, as a precaution, we cross-check the weather data received from Meteostat at There, a well-visualized history of weather data from both weather stations and high-resolution radar is archived (up to 250 meters accuracy). Radar images are saved in 5-minute intervals. Radar records are available for numerous European countries. Website: Radar Data for Europe: Please Avoid: Apple Weather App As of January 1, 2023, the iPhone's Weather App displays "rainfall" data. However, this "rainfall" information does not necessarily indicate actual rainfall. The source of this data cannot be traced for a specific location. Apple does not provide information about how these specific data points are generated. Nevertheless, the documentation of the Apple interface "WeatherKit" strongly suggests that this data is based on forecasts. In other words, the latest forecast is stored as "precipitation amount." It appears that the app doesn't provide actual measurement data — it's primarily a weather prediction app. If this app indicates that it has rained, this is not considered "proof" of rain by our standards.

You don't need to worry about proving rainfall. If there has been more rain during the period you've insured than specified in your contract, we'll automatically make the payout. All you need to do is provide us with your bank details, along with your date of birth and place of birth. There's no need to provide us with any additional evidence. While we have the right to request proof on a case-by-case basis, in practice, we rarely do so. Typically, we don't require proof if, for instance, you're traveling in your own car or staying in a holiday home. If we do find the need to request evidence, we will accept any reasonable and verifiable proof of your journey, including photos, emails, GPS log data, social media posts, confirmations from friends or acquaintances who accompanied you, and more. We will automatically notify you when we determine that it rained during your insured period, and you are due a payout. Our insurance is designed to make your life easier, not more complicated.

In general, it's worth insuring your vacation against rain if you plan to spend a lot of time outdoors. During the summer of 2023, our customers purchased travel rain insurance for their holidays in the following destinations. Not surprisingly, beach destinations took the lead, both in the north and south of Europe. But this season, lovers of mountain and nature vacations also frequently opted for rain insurance from Wetterheld. Furthermore, popular destinations that tend to be on the pricier side and those known for family vacations secured their place on the list. After all, dealing with bad weather on vacation with children can be particularly stressful. Camping vacations were also frequently insured with us.

  1. Baltic Sea (Germany / Poland / Denmark)
  2. North Sea (Germany / Netherlands)
  3. Sylt (Germany)
  4. Tyrol/South Tyrol (Austria / Italy)
  5. Belgium
  6. Denmark
  7. Mallorca (Spain)
  8. Upper Bavaria (Germany)
  9. Lake Garda (Italy)
  10. Carinthia (Austria)
For more information, we've provided detailed coverage in our blog:

Why Weather Insurance?

If your revenue and/or your costs are strongly affected by weather, it might be a good idea to hedge the weather risk with a weather insurance. Large businesses have taken advantage of weather insurance for centuries, while small and medium businesses are now catching up.

These industries are strongly affected by weather:

  • Outdoor events like concerts, sports, conventions, parties, festivals, fairs and parades;
  • Restaurants, icecream and coffee shops with outdoor seating;
  • Farmers of apples, potatoes, wheat, corn, and other cereals, vegetables and fruits;
  • Construction companies, project developers, subcontractors and craftsmen, if their construction projects are dependent on weather;
  • Energy, natural gas, power companies and distributors;
  • Producers and retailers of drinks, meat, clothing, shoes, umbrellas and other products with seasonal and weather aspects;
  • Many different niche industries like flowers, sunbeds, tanning booths and showmen.

There are many different types of weather insurance out there, because it was created for large companies, with individual contracts that cover specific weather risks.
For small and medium companies, the most common types are Rain, Temperature and Snow insurance. WETTERHELD offers all three of these types:

  • Rain insurance covers the risk that it will be raining at the worst moment for your business, like Easter weekend which is so extremely important for a small lakeside restaurant's revenue. There is also the opposite, draught insurance, which covers the risk that rain will be absent while you need it, for example if you are a small potato farmer.
  • Temperature insurance covers the risk of cold or heat that is affecting your product or your customers. If it's too hot, people will not go to the cinema, plants stop to grow, and nobody turns on the heating (good for most of us, but bad for natural gas suppliers). If it's too cold, people won't like spending time outside which is bad for many hospitality and entertaintment businesses, and some plants like apples might be damaged.
  • Snow insurance covers the risk of too much snow which might lead to a breakdown of traffic and isolation of certain communities. It also covers the risk of too little snow, because businesses like ski lifts depend on snow to make a profit.

How does WETTERHELD insurance work?

WETTERHELD weather insurance is available for customers who act as bussiness entities according to § 14 BGB. Usually, these are all businesses in Germany (single proprietors and legal entities). The second condition is that their business is affected by bad weather (rain, temperature or snow). WETTERHELD weather insurance is also available to businesscustomers outside of Germany as long as their weather risk lies in Germany.

Our insurance is also available to customers from the EU who want to insure a private travel or an event in any EU country.

Our WETTERHELD insurance solution will be ready during the next months. We will announce the starting date to all our pilot customers who have registered for the limited early access.

This is how you choose the right weather insurance:

  1. Understand the weather risk of your business
  2. Choose the right weather parameters

Understanding the weather risk

If your business has been established a long time ago, you will know the weather risk better than anybody else. You know weather conditions that make your customers stay away, damage your plants or disrupt your processes.

If your business has been founded recently, the weather risk is not yet known from the past.

In cooperation with business owners from different industries, we have developed recommendations that can help you to choose the right weather insurance for your business:

Choosing the right parameters

WETTERHELD wants to help you to choose the right amount of insurance for your weather risk. We do not want to insure you against "normal" weather. Any business will survive a day of rain or two. To choose the right parameters, change the values of the parameters and observe how the price changes. Try to find the best balance between the amount of risk that you insure, the amount of risk that stays with your business, and the price that you pay for the risk transfer - just like any risk manager in a large company would do.

For each of the WETTERHELD weather insurance parameters, we have produced a guide that will help you to find this balance:

WETTERHELD made sure that your insurance payout is guaranteed by financially strong partners, that are regulated and monitored by the German BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht):

  • First, we have a digital insurance partner who will be your WETTERHELD contractual partner, that delivers a legally sound insurance contract by the press of a button. Our partner will send you your payout, if your weather risk is triggered;
  • Second, there is one of the world's largest re-insurance companies with decade-long weather-related knowledge and experience. This is where our insurance partner has covered a large part of the weather risk.

We have developed an amazing, cutting-edge mathematical risk model which allows to give you a fair insurance price for rain, temperature and snow insurance for every day of the year and every place in Germany.

The price is always fair because it is calculated based on the real weather risk, legally required risk buffers and taxes. The price includes a sales commission that is much lower compared to most other insurers, because our business is digital, and we don't have a huge sales team or a large bureaucratic back office.

What is the right weather insurance for my restaurant?

This depends on the type of your restaurant.

Restaurants with outside seating - insure against rain
If you have a significant number of outside seats at your restaurant, you will count on guests who enjoy their meal outside in summer. The most obvious risk to restaurants that offer outside seating is rain.

Restaurants in touristic areas - insure against rain
If your restaurant is in a touristic area, you might notice that less tourists will frequent your restaurant on rainy days. This is either because they choose not to visit the touristic area at all, or because they choose to eat at their hotel restaurant or other options closer to their accommodation instead.

Restaurants in ski resorts - insure against lack of snow
If your restaurant is in a ski resort, you will know how devastating lack of snow can be for business. No snow, no skiing, no guests, it's that simple.

We want to help you find the optimal insurance coverage for your business, so you're neither over-insured nor under-insured. And this is why we'd like to make clear: In any case, your insurance should cover only days that are most important for your revenue and your profit, and you really should cover these days. Most restaurant owners know exactly which days bring the most revenue.

Days of week:
For most restaurants, Saturday and Sunday are the most important days of week. Others earn their money on Mondays to Fridays. Some restaurants are equally booked on all days of week.

Many restaurants are fully booked on Easter and other holidays - except during bad weather. These special, profitable days should definitely be covered by a weather insurance.

Some restaurants organize summer events like barbecues. If these events are dependent on good weather, we recommend to cover these days with your weather insurance.

What is the right weather insurance for my Volksfest business?

The number one enemy of any Volksfest is rain. You know those rainy days when all business owners are nervously standing around, looking at the sky, hoping that it stops raining. We truly wish you and your business as little of these days as possible, especially if it's a Friday, Saturday or Sunday. But sometimes, bad luck prevails. If you protect your Volksfest business against rain, you will feel much more relaxed, focusing on your business instead of looking at the sky.

We want to help you find the optimal insurance coverage for your business, so you're neither over-insured nor under-insured. And this is why we'd like to make clear: In any case, your insurance should cover only days that are most important for your revenue and your profit, and you really should cover these days. Most Volksfest business owner know exactly which days bring the most revenue.

Days of week:
For most Volksfests, Friday, Saturday and Sunday are the most important days of week.

Volksfests have a lot of visitors on holiday like Easter - except during bad weather. These special, profitable days should definitely be covered by a weather insurance.

Special days:
Some Volksfests have a tradition of attracting many visitors on their opening day or closing day. If these days are important to your bottom line, you should include them in the weather insurance coverage.