Travel Liability Insurance
Legal protection when your usual liability cover falls short
Your private liability insurance may have limitations or exclusions outside Germany, especially on long trips or in certain countries. Our travel liability insurance closes those gaps and protects you against legitimate third-party claims during your travels worldwide.
Benefits of this insurance
Closes coverage gaps that can arise during extended stays abroad.
Valid protection in any country during your private trips.
We review the claim and defend you if we consider it unjustified.
What is covered
Personal injury and property damage to third parties
Covers legitimate third-party claims for damage you cause unintentionally during your trip.
Usual leisure activities while traveling
Covers activities such as excursions, recreational sports or the use of accommodation and transport during the trip.
Review and legal defense
We review claims received and take on their defense when they are unfounded.
What is not covered
Professional activity
Damage caused in the course of a professional or commercial activity during the trip is not covered.
Motor vehicles
Damage arising from the use of motor vehicles requires a specific insurance and is not covered by this policy.
Intentional damage
Deliberately caused damage is excluded.
Real claim examples
Broken item at a hotel
During her stay, Marta accidentally breaks an antique vase in the hotel lobby. The insurance covers the replacement cost claimed by the hotel.
Injury to another hiker
On a hiking trail, David slips and causes another hiker to fall, who sustains an injury. The insurance covers the medical costs claimed.
Frequently asked questions
Doesn't my private liability insurance already cover me abroad?
In many cases yes, but there are time, territorial or sum-related limitations that this insurance specifically complements for travel.
What kind of trips is it recommended for?
Especially for extended stays abroad, a sabbatical year, temporary work outside Germany, or trips to countries with specific exclusions in your usual policy.
Does it cover the whole family?
You can take out individual or family coverage depending on your travel plans.
What should I do if I cause damage?
You should notify us of the incident as soon as possible along with any available documentation so we can review and process the claim.
Planning an extended stay abroad?
Tell us your travel plans and we will check whether you need this additional coverage.
Request free advice