Legal Insurance
Starting From Just
€15.95 per month
Liability Insurance
in Germany
Starting From Just
€5.9 per month
Secure Yourself Against Life's Unexpected Turns
Coverage Highlights
Extensive coverage upto €50 million
Best coverage gaurantee*
Rental property Damage coverage
Key Features
- Lost Keys Protection
Misplaced your keys? Our liability insurance will cover the cost of replacements, saving you hassle and worry.
- Unintentional Harm Coverage
Accidentally cause harm to someone? Our insurance has you covered for their medical expenses and any lost wages, giving you peace of mind.
- Comprehensive Coverage for Property Damage
Protects against damage to rented accommodations, including hotel rooms, holiday apartments, as well as ship cabins and sleeping car compartments can be a key highlight.
Do You Have Any Questions?
Is liability insurance mandatory in Germany?
What does private liability insurance cover?
It covers personal injury, property damage, and financial losses caused unintentionally by you or your family members to another person or their property.
Who should get liability insurance?
Anyone living in Germany, especially families, pet owners, and renters, as it protects against costly accidental damages.
How much does liability insurance cost in Germany?
It typically costs between €30 to €100 per year, depending on coverage and insurer.
Does liability insurance cover damage to rented property?
Yes, it often covers accidental damage to rented apartments or holiday homes.
What is not covered by liability insurance?
It usually doesn’t cover intentional damage, contractual liabilities, or damage to your own property.
Can liability insurance be used abroad?
Many policies offer worldwide coverage, but always check your policy’s terms for details.
How do I file a claim for liability insurance?
You need to notify your insurer immediately, provide evidence of the incident, and submit the necessary forms and documents.
Does liability insurance cover damage caused by children?
Yes, most policies cover damages caused by children, but some may have specific age limits (typically under 7 years old).
Is professional liability insurance the same as private liability insurance?
No, professional liability insurance (Berufshaftpflichtversicherung) covers damages caused in a professional context, whereas private liability covers personal incidents.
Does liability insurance cover accidental injuries to visitors in my home?
Yes, it usually covers personal injuries sustained by visitors in your home.
Can I include my family members in my liability insurance policy?
Yes, most policies offer family coverage, including spouses and children, under one plan.
What is the typical coverage limit for liability insurance?
Coverage limits vary but typically range from €5 million to €50 million for personal and property damage.
Does liability insurance cover legal costs?
Yes, liability insurance usually covers legal defense costs if someone sues you for damages.
Can I cancel my liability insurance policy at any time?
You can generally cancel your policy with three months’ notice before the end of the contract term, or under special circumstances such as a premium increase.