Personal Liability Insurance
Protect yourself from expensive claims and legal risks.
Why liability insurance matters
In Germany, you are legally and financially responsible for any injury or damage you cause to someone else or their property, even if it was unintentional. Personal liability insurance protects you from the financial consequences of such incidents, making it one of the most essential and affordable types of insurance.
Loss of keys
Your keys are automatically included, no need to pay extra.
Best benefit guarantee
Includes any claim covered by other German liability insurers.
Flexible duration
Stay in control, cancel daily after the first year.
Personal Liability Insurance in Germany
Protect yourself against expensive everyday accidents from only €4/month.
1. Your details
2. Customize your coverage
3. Select your plan
Top-Protection
Why CAPE?
Best pre-selected coverage
Choose one of the best tariffs on the market, carefully selected to provide optimal protection.
Easy digital signup
Do you prefer a simple process? Everything is handled fully digital, no paperwork, everything in English.
Personal support
Your personal advisor is always at your side, ready to help with any questions or concerns.
What's covered
Damage to other people's property
You’re riding your bike and accidentally crash into a parked car, causing a dent and scratching the paint. Your liability insurance covers the cost to repair the damage.
Damage to rented property
You’re living in a furnished apartment and accidentally spill red wine on the landlord’s couch. Your liability insurance covers the cost to clean or replace the damaged furniture.
Loss of keys and keycards
You lose the key to your rented apartment while out for a walk. Your liability insurance covers the cost to replace the key and if necessary, the entire locking system of the building.
Defense against unjustified claims
After you move out, your landlord demands compensation for scratches on the floor. But the wear is considered normal usage. Your personal liability insurance steps in, rejects the unjustified claim, and defends your rights.
Damage caused by small pets
A friend visits to show you their new laptop. Your cat jumps on the table and spills a glass of water, the laptop is ruined. The damage is covered. Small pets like cats are included, but dogs require separate liability insurance.
Sporting activities
During a casual football game in the park, you accidentally injure another player. Your liability insurance covers the resulting medical expenses and potential compensation claims.
Drones
While flying your drone in a public park, you lose control and it crashes into a parked car. Your liability insurance covers the repair costs for the vehicle.
Default claims protection
At a barbecue, a guest accidentally knocks over your smartphone, breaking it. They have no liability insurance and are legally proven unable to pay for the damage. In this case, your own personal liability insurance steps in and covers the costs.
What's not covered
Claims within your own household
Example 1: You accidentally scratch your own car. Personal liability insurance doesn’t cover damage to your own belongings. Example 2: Your child knocks over your partner’s laptop. Since both are covered under the same policy, the damage is not insured. Claims between co-insured persons are excluded. However, personal injury between co-insured individuals is covered.
Normal wear and tear
After years of use, your apartment’s door handle becomes loose and eventually breaks. Gradual wear and tear is considered normal usage and is not covered by liability insurance.
Broken glass
Unlike scratches, broken glass in your household like a shattered window, is not covered by liability insurance. This kind of damage can optionally be insured through household contents insurance. However, glass damage that occurs outside your own household, for example at a friend’s home or your neighbour’s is generally covered.
Locksmith services
You lock yourself out of your apartment and need a locksmith. The cost for the service is not covered by personal liability insurance.
You know what’s covered – now secure what matters.
Enjoy the security of knowing your valuables are protected.
Let Anna explain
Not sure what’s covered or which option is right for you? Anna explains everything you need to know about personal liability insurance – clear and simple.
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Frequently asked questions
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