Personal Liability Insurance
Everyday protection. Strong coverage. Personal liability insurance for damage you accidentally cause to others.
Essential protection against the financial consequences of everyday accidents.
In Germany, you are legally responsible for damage you cause to other people or their property, even if it was unintentional. Personal liability insurance protects you against the financial consequences and is considered one of the most important types of insurance.
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Widely established protection
85% of German households are already protected by personal liability insurance.
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High coverage limits
Choose a coverage limit of €10 million or €50 million.
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Accepted by landlords
Meets all requirements requested by landlords.
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Worldwide coverage
Protection continues while travelling outside of Germany.
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What’s covered
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.
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.
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.
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.
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.
AI GENERATED
Sporting activities
During a casual football game, you accidentally injure another player. The resulting medical expenses and compensation claims are covered.
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.
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
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.
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.
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.
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.
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 whether personal liability insurance is right for you? Anna explains everything you need to know about personal liability insurance, clear and simple.
Still have questions? Contact our team directly.
A clear introduction to personal liability insurance in Germany.
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.
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