Personal Liability Insurance
Protection for life's small and large mishaps
The ideal coverage for everyday mishaps. Our personal liability insurance protects you and your family against third-party compensation claims, with three tariff levels tailored to every need.
Benefits of this insurance
Individual protection for singles, couples and families.
Protection for drone use, internet activity and more.
We also cover damage that occurs outside Germany.
Depending on the tariff, we also cover damage to rented items.
Coverage comparison
| Saver | Basic | Premium | |
|---|---|---|---|
| Insured sum | €10 million | €20 million | €100 million |
| Incapacity to be held liable (minors) | €10,000 (€250 deductible) | €100,000 | €100,000 |
| Bad-debt coverage, incl. intent | €2,000 minimum damage | No minimum | No minimum |
| Defense against unjustified claims | |||
| Borrowed items | |||
| Loading/unloading vehicle damage | |||
| Loss of others' private keys | €50,000 (€250 deductible) | €50,000 | €50,000 |
| Loss of others' professional keys | €10,000 | ||
| Damage from favors done | €250 deductible | ||
| Professional activity | €20,000 | ||
| Volunteer activity | |||
| Damage to rented immovable property | €1 million (€250 deductible) | €1 million (€250 deductible) | |
| Damage to rented movable property | €1 million (€250 deductible) | €1 million (€250 deductible) | |
| Temporary stays abroad | Worldwide, 1 year | Worldwide, unlimited | Worldwide, unlimited |
| New-value replacement |
Additional modules and benefits
Water damage liability extension
Adds liability for damage caused by heating oil tanks or other facilities that could contaminate water.
Pet owner module
Extends coverage for damage caused by dogs or horses that are not classified as potentially dangerous breeds.
Combine with legal protection
Complement your liability cover with legal protection insurance to also cover your own legal defense costs.
What is covered
Personal injury
Claims from injured parties due to a negligent act.
Property damage
Damage or destruction of material objects, including damage to rented property.
Financial loss
Financial damage arising from personal injury or property damage.
Special benefits
Professional activity, new-value replacement, loss of others' keys, and bad-debt coverage with no minimum in the Premium tariff.
What is not covered
Intentional damage
Damage caused deliberately is not covered.
Damage done to you
The at-fault party's liability insurer pays; if uninsured and unable to pay, our bad-debt coverage steps in.
Rented/borrowed items not included in the tariff
Not covered unless included in the chosen tariff.
Real claim examples
Laptop destroyed over coffee
While chatting animatedly, someone accidentally spills a coffee cup onto their friend's laptop, which stops turning on. Insurance covers the cost.
Broken window pane
A child playing football misses the goal and the ball hits the neighbor's window. Since the child cannot yet be held liable, the family liability policy pays.
Red wine stain on a rug
During dinner, someone accidentally spills a glass of red wine on an expensive white designer rug, permanently staining it.
Frequently asked questions
Is personal liability insurance mandatory in Germany?
There is no general legal requirement, but it is highly recommended since you are legally liable for damage you cause to others.
Until when are children covered?
Generally up to age 25 if still in education, including biological, step-, adopted and foster children.
Is it valid abroad?
Yes, it covers personal, material and financial damages even if they occur outside Germany.
Want protection against everyday mishaps?
Tell us about your family situation and we will help you choose the right tariff.
Request free advice