Your Personal Liability Insurance
Insurance Provider: Adcuri
Plan
Sum Insured
Best Benefit Guarantee
Tariff Option

What’s covered

Bicycle next to a damaged parked car AI GENERATED

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 repair costs.

Living room in a rented apartment AI GENERATED

Damage to rented property

You’re living in a furnished apartment and accidentally spill red wine on your landlord’s couch. The cost of cleaning or replacing the furniture is covered.

Keys outside a residential building AI GENERATED

Loss of keys and keycards

You lose the key to your rented apartment. Your insurance covers the replacement and, where required, the entire locking system of the building.

Wooden floor inside a rented apartment AI GENERATED

Defence against unjustified claims

Your landlord demands payment for ordinary wear and tear. Your insurer examines the claim, rejects it when unjustified and defends your interests.

Cat next to household objects AI GENERATED

Damage caused by small pets

Your cat knocks water onto a visitor’s laptop. Damage caused by small pets such as cats is covered, while dogs require separate liability insurance.

People participating in a sporting activity AI GENERATED

Sporting activities

During a casual football game, you accidentally injure another player. The resulting medical expenses and compensation claims are covered.

Drone flying outdoors AI GENERATED

Drones

You lose control of your drone and it crashes into a parked car. Coverage depends on the selected tariff and the weight of the drone.

Damaged smartphone AI GENERATED

Default claims protection

Someone damages your property but has no liability insurance and cannot pay. Your own policy may cover the loss through default claims protection.

What’s not covered

Vehicle belonging to the insured person AI GENERATED

Claims within your own household

Example 1:
You accidentally scratch your own car. Personal liability insurance does not cover damage to your own belongings. Example 2:
Your child knocks over your partner’s laptop. Since both people are insured under the same policy, the property damage is not covered. Personal injuries between co-insured persons remain covered.

Worn door handle AI GENERATED

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 personal liability insurance.

Broken glass inside a home AI GENERATED

Broken glass

Broken glass in your own household, such as a shattered window, is not covered by personal liability insurance. It can optionally be insured through household contents insurance. Glass damage caused outside your own household is generally covered.

Person opening a door with a locksmith AI GENERATED

Locksmith services

You lock yourself out of your apartment and need a locksmith. The cost of opening your own door is not covered by personal liability insurance.

Frequently asked questions

You can declare personal liability insurance in your tax return as a special expense, subject to the applicable maximum limits. Please contact your tax advisor for an individual assessment.

Personal injury means that you have unintentionally injured another person. This includes physical injuries as well as resulting psychological consequences.

Property damage means that you have unintentionally damaged, destroyed or lost property belonging to another person.

Financial loss refers to a financial disadvantage that does not directly result from personal injury or property damage. An example would be additional costs incurred because someone misses a flight due to an accident caused by you.

Personal liability insurance generally reimburses the current value of the damaged item. This is the replacement value after deducting depreciation caused by age, use and wear and tear. It is therefore usually lower than the original purchase price.

No. Personal liability insurance is not legally required in Germany. However, it is strongly recommended because you can be held personally liable for damage you cause. Some landlords may also request proof of liability insurance.

Default claims protection may cover your loss when another person causes damage to you but is unable to pay compensation, for example because they are insolvent and do not have liability insurance of their own.

Yes. Under a family tariff, your spouse or partner and eligible children living in Germany can generally be insured under the same policy. The exact eligibility requirements depend on the selected tariff.

Coverage starts on the confirmed insurance start date. The start date and the insured event cannot be in the past.

The policy continues until it is cancelled. It normally renews automatically according to the contractual terms. Any contribution paid for a period after the effective cancellation date will be refunded where applicable.

Simply contact us by email or phone. We will help you prepare the claim notification, submit it to the insurer and support you throughout the claims process.

Small domesticated pets such as cats, birds and hamsters are generally included. Dogs and certain other animals require separate animal owner’s liability insurance.

Yes. You generally have a 14-day right of withdrawal without having to provide a reason. Please contact us within the withdrawal period so that we can assist you.