Rain insurance for your holiday

Rain insurance for your holiday: 50 or 100 EUR paid out per rainy day, automatically and without proving a loss. Book with provider WETTERHELD via nextsure.

50 or 100 EUR per rainy day, freely chosen
Payout without proof of loss
Available from 3 EUR per travel day

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Rain insurance for your holiday

Parametric rain insurance: you set the daily amount, and payment follows the measurement rather than a proof of loss.

Premium:: from 3 EUR per travel day
Payout per rainy day:: 50 or 100 EUR
Trigger (example):: over 2.9 mm between 10:00 and 18:00
Buy no later than:: 14 full days before departure
Governing weather data:: Meteostat.net
Insured location:: exactly one risk location per contract

A fixed payout for every rainy day at the booked holiday location
Daily amount of your choice: 50 EUR or 100 EUR per rainy day
No proof of loss: the provider checks the measurement data itself
Any kind of falling precipitation is covered, from drizzle to hail
Cover stays in place if you cut the trip short or never travel
Private travel and business trips are equally insurable

Key exclusions

Cannot be bought less than 14 full days before departure
An overcast sky without measurable precipitation triggers no payment
Precipitation outside the agreed time window does not count
Only the risk location named in the contract is insured, not the route of a round trip or cruise
Rainy destinations carry an excess expressed in rainy days that are not paid out
A smartphone weather app is not admissible as evidence

Google Rezensionen: 4,9/5 Sterne (49 Bewertungen, Stand 17.08.2026)
WETTERHELD insgesamt (Anbieterbewertung, alle Versicherungen)

Calculate rate at WETTERHELD

Worked example: with a 3-day excess, a 100 EUR daily amount and a 7-day trip, payment starts from the fourth rainy day. Risk carrier: BD24 Berlin Direkt Versicherung AG (HanseMerkur), since January 2026.

WETTERHELD Rain insurance for your holiday: Payout at a 100 EUR daily amount over a one-week trip

Rainy days in the week	without excess	with a 3-day excess
0 rainy days	0 EUR	0 EUR
2 rainy days	200 EUR	0 EUR
4 rainy days	400 EUR	100 EUR
7 rainy days	700 EUR	400 EUR

All details are taken from the provider's linked product page and the contract documents (IPID/policy conditions) published there; the insurer's documents prevail. Premiums, benefits and the insurance product itself may change – please verify the details directly with the partner before signing up; only the information provided there is binding.

What rain insurance actually does

Rain insurance does not reimburse a loss. It pays out a sum agreed in advance as soon as more precipitation falls at your holiday location than your contract specifies. You choose the daily amount when you buy. At WETTERHELD the choice is 50 EUR or 100 EUR per rainy day. Premiums start at around 3 EUR per travel day and depend on how wet the destination statistically is at the time you booked.

The difference to trip cancellation or curtailment cover is fundamental. There you have to document a concrete financial loss. Here the measured rainfall is enough. That is also why it does not matter what you spend the money on: it covers the lost beach day just as well as the more expensive plan B at the museum or the indoor pool.^[1]

When a day counts as a rainy day

What counts is a measurement, not how the day felt. A typical contract defines a rainy day as more than 2.9 mm of precipitation between 10:00 and 18:00, on each individual day of the insured period. The threshold and the time window are stated in your policy and can differ by location.

Precipitation covers everything that falls: drizzle, rain, freezing rain and freezing drizzle, ice pellets, snow, snow grains, ice needles, diamond dust, polar snow, ice grains, soft hail, small hail and hail. An overcast sky without precipitation triggers nothing.

The readings come from Meteostat.net, and that data set decides the claim. You can cross-check on Kachelmann.com. The weather app on your phone is not admissible evidence, because it shows interpolated forecast values rather than a station measurement.^[2]

How the payout works

Automatic check

You do not have to document the rain or submit photos. The provider matches the measurement data against your contract itself.

Notification after the trip

At the end of the insured period you are told whether a claim exists and for how many days.

Only a few details needed

The payout requires your bank details plus date and place of birth. Further evidence is rarely requested.

Money to your account

Once you submit the claim the sum is transferred without delay, with no loss adjuster and no per-claim excess.

What to settle before you buy

Lead time

The contract has to be in place at least 14 full days before departure. Buying once a bad forecast is in is too late.

One location per contract

Exactly one risk location is insured. A road trip, a round trip or a cruise needs several contracts.

Excess at wet destinations

Particularly rainy locations come with a number of rainy days that are not paid out. With a three-day excess on a one-week trip, the contract pays from the fourth rainy day.

Business trips too

The purpose of the trip does not matter. Private travel, business trips and everything in between can be covered.

Even very wet destinations

Cities such as Ljubljana, at roughly 1,368 mm of annual rainfall, remain insurable, with a corresponding excess.

If you cut the trip short or never leave

Cover stays in place either way. If a poor forecast means you never set off, all you need is proof that the trip was booked. If you break off part way through, cover continues for the full originally insured trip duration. Going home early costs you nothing.

Which destinations it pays off for

The destinations insured most often are the ones where a rainy day cancels the point of the trip: beach, hiking and camping holidays. In the ranking of the most-insured locations of 2023, the Baltic coast, the North Sea coast and Sylt led the list, followed by Tyrol and South Tyrol, Belgium, Denmark, Mallorca, Upper Bavaria, Lake Garda and Carinthia.

Do the arithmetic: what do two rained-out days of replacement activities cost your family? If that figure is well above the premium, the cover pays for itself after a few rainy days. For a city break whose programme is largely indoors anyway, it usually does not.

Who stands behind the offer

The product comes from WETTERHELD, an insurance broker founded in 2019 in Hamburg-Altona and specialised in parametric weather cover. The risk carrier of the rain insurance has been BD24 Berlin Direkt Versicherung AG since January 2026, a HanseMerkur subsidiary supervised by BaFin. On Google, WETTERHELD holds 4.9 out of 5 stars from 49 reviews.

nextsure arranges this cover and earns a commission from the provider for it. That costs you nothing extra: the premium is the same as buying direct.

Frequently Asked Questions

A typical contract pays when more than 2.9 mm of precipitation falls between 10:00 and 18:00. The exact threshold and time window are stated in your policy and depend on the location you choose.

You set the daily amount yourself when you buy. The choice is 50 EUR or 100 EUR per rainy day.

Any kind of falling precipitation is covered: drizzle, rain, freezing rain and freezing drizzle, ice pellets, snow, snow grains, ice needles, diamond dust, polar snow, ice grains, soft hail, small hail and hail.

No. The provider checks the measurement data itself and contacts you at the end of the insured period. The payout only needs your bank details plus date and place of birth.

The claim is decided on data from Meteostat.net. You can cross-check on Kachelmann.com. Your smartphone weather app is not accepted.

The contract has to be concluded at least 14 full days before departure. There is no cover to be had once rain has already been forecast.

Each contract insures exactly one risk location. For several locations or periods you take out several contracts.

Yes. Wet destinations come with an excess expressed in rainy days. With a three-day excess on a one-week trip, the contract pays from the fourth rainy day.

Yes. Private travel, business trips and any other purpose of travel can be covered.

Cover remains in place. If you do not travel because of a poor forecast, proof of the booking is enough; if you break off, cover continues for the full originally insured trip duration.

The provider is WETTERHELD of Hamburg. The risk carrier has been BD24 Berlin Direkt Versicherung AG, a HanseMerkur subsidiary, since January 2026.

Sources

[1]WETTERHELD – Häufige Fragen zur Regenversicherung (FAQ)(Regendefinition, Schwellenwert, Auszahlung, Vorlaufzeit, maßgebliche Wetterdaten)
[2]WETTERHELD – Regenversicherung für den Urlaub (Produktseite)
[3]HanseMerkur – Berlin Direkt Versicherung wird Risikoträger für die parametrische Regenversicherung von Wetterheld(Risikoträgerwechsel zum Januar 2026)
[4]BILD – Diese Versicherung gibt es wirklich: Regen im Urlaub, Geld zurück(Presseberichterstattung)
[5]reisereporter – Regentage im Urlaub: Diese Versicherung zahlt(Presseberichterstattung)
[6]Google – Unternehmensprofil und Rezensionen WETTERHELD(4,9/5 aus 49 Rezensionen, abgerufen am 17.08.2026)

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Information last updated: July 2026 · Source: provider product information (IPID/policy conditions)