Private Liability Insurance

Accidents can happen in the blink of an eye – your child kicks a ball through your neighbour’s window, or you break a vase while visiting a friend. In Germany, you are liable in such cases. In other words, you need to pay for the damage. To prevent this from happening, a liability insurance can be useful. Many Germans regard liability insurance as the most useful and important of the optional types of insurance. In the event of a claim, private liability insurance covers the cost of damages up to a specified amount. It also covers your spouse and children. Read our FAQ’s about Private Liability Insurances.

Your Options

Private liability insurance in Germany is essential as you are liable for all damages that you have culpably caused to someone else, and for an unlimited amount. It covers even gross negligence, except for intentional damage. The insurance covers a risk that can threaten your existence, and it is therefore indispensable. Also Read our FAQ’s about Private Liability Insurances.

Work Visa Germany
Getsafe – Private Liability Insurance
  • Only pay what you really need
  • Every documents and information on your phone
  • No fixed contract period
  • English-speaking customer support
Work Visa Germany
FRI:DAY- Private Liability Insurance
  • Choose from three tariffs for customised protection
  • Including loss of keys
  • Can be cancelled daily

Apply online: Get Insured with Getsafe

GETSAFE offers a straightforward insurance service through its user-friendly app. The coverage is global, up to €50 million, for a monthly contribution of less than 5€. In recent years, GETSAFE has received several awards, including being named Germany’s top insuretech company in 2020 by two institutions. The app also has a high rating of 4.9 out of 5 stars.

Private Liability Insurance

What is covered?

GETSAFE offers coverage for a wide range of leisure activities and hobbies, including situations such as losing your keys.

If you cause damage to someone else while driving a rental car in another European country, the damage is covered. Longer stays outside the EU are covered for up to 5 years, and within the EU, all damages are covered for an unlimited period. Additionally, tenant protection, property protection, and protection for secondary employment are included in GETSAFE’s policy.

More information can be found on the website with just a click of a button.

Your main advantages at Getfsafe

Private Haftpflichtversicherung, or private liability insurance, is considered a must-have insurance in Germany. Getsafe offers a number of advantages that make it a popular choice among customers:

  • Worldwide coverage: Getsafe’s private liability insurance provides coverage worldwide, up to a sum of €50 million. This means that you are protected even when traveling outside of Germany, which is especially important for frequent travelers or those who live abroad.
  • English-speaking customer support: Getsafe offers customer support in English, which can be a big advantage for non-German speakers or those who prefer to communicate in English. This ensures that you can easily get the help and support you need, regardless of your language skills.
  • Easy cancellation: Getsafe allows customers to cancel their insurance policy at any time, without any cancellation fees. This flexibility can be important if your circumstances change or if you find a better insurance option elsewhere.
  • Comprehensive coverage: Getsafe’s private liability insurance covers a wide range of situations, including damage caused to third parties, accidental damage to property, and personal injury claims. This coverage can protect you from unexpected financial losses that could otherwise have a significant impact on your finances.

How much does it cost?

The cost of Getsafe’s private liability insurance varies based on a number of factors, such as the coverage amount, deductible, personal risk factors, and the customer’s location. However, Getsafe’s private liability insurance starts at less than 5€ per month. The exact cost of the insurance will depend on the specific policy and individual circumstances, so it is recommended to get a personalized quote to determine the exact cost.

Apply online: Get Insured with FRI:DAY

Private Liability Insurance – Insure everything instant

No matter how much you plan, things can go wrong in a second — for you and those around you. With FRI:DAYs private liability insurance, you’ll be protected from extravagant expenses if you accidentally cause harm to others or their belongings. 

Choose a tariff that suits you perfectly. Only pay for exactly what you need.

Perfect for:

  • Families
  • Students
  • Seniors
  • Pet owners
  • Real estate owners
  • Tenants
Private liability Insurance

Your Main advantages with FRI:DAY

FRIDAY’s personal liability insurance offers three different tariffs to ensure that you are covered to the extent and with the benefits that suit you. FRIDAY Focus gives you comprehensive basic cover. Would you like even more benefits? Then choose FRIDAY Balance or the premium plan FRIDAY Relax. They offer extended benefits and even more relaxation in your life situations.

So what are you covered for?

FRI:DAY includes damage in your private life, such as:

  • Damage you cause in road traffic as a pedestrian or cyclist.
  • Damage you cause while playing sports
  • Damage caused by small and tame pets
  • Damage caused by you as an occupant of a house or flat, whether you are the tenant or the owner.

How much does it cost?

FRI:DAY private liability insurance starts at just €2 a month.

How to get insured with FRI:DAY?

  • Step 1: Visit the homepage 
  • Step 2: Choose a tariff 
  • Step 4: Click on “Jetzt Focus-Tarif berechnen”
  • Step 5: Voilá!
How to sign up for German health insurance

FAQ – Private Liability Insurances in Germany

Table of Contents

Private Liability Insurance in Germany: Who Needs What Protection?

Private liability insurance is essential for everyone as it protects both you and others from damages that can result in costly expenses. There are two types of tariffs available: single tariffs for individual policyholders and family tariffs that extend coverage to other individuals, such as spouses or children. In certain cases, private liability insurance is mandatory, including for:

  • House and landowners
  • Animal owners
  • Owners of oil tanks or buildings
  • Owners of motor vehicles
  • Boats, and airplanes,
  • And persons in public service who may face recourse claims.

When Does It Step In?

When you make a claim, it is the responsibility of your private liability insurer to determine if the claim is justified. If the insurer finds that the claim is unjustified, it will defend the claim at its own expense and provide what is known as “passive” legal protection. However, if the claim is deemed justified, the insurer will pay the claim, provided there is no exclusion in the insurance conditions, such as intentional damage.

For property damage, the insurer will cover repair costs and any loss of value. In the case of a total loss, the insurer will reimburse the current market value of the item based on its age, wear and tear, and replacement value. For personal injury, the insurer will cover medical and hospital costs, compensation for pain and suffering, loss of income, and additional costs such as nursing staff. However, the compensation should not enrich the injured party.

In summary, private liability insurance provides comprehensive legal protection and coverage for damages caused by the policyholder, as long as the damages are not intentional.

Who needs International Health Insurance & when to consider it?

International health insurance is primarily intended for individuals who are living abroad and do not know when they will return to Germany. This mainly includes emigrants. While it is possible for emigrants to obtain health insurance with a local insurance company in their new home country, this may not always be feasible. In countries where the health system is only partially state-funded and private supplementary insurance is necessary, international health insurance is a viable alternative.

The second significant target group for international health insurance is expats who have been sent abroad by their employer to establish or manage company branches. An expat stay usually lasts for several years, but it is limited in time, unlike emigration.

It is important to note that international health insurance is not sufficient for individuals living in Germany, and it does not meet the criteria for private health insurance (PKV) in Germany. For example, age reserves are not formed, and long-term care insurance is not included. If you reside in Germany, you must be insured in either GVK (statutory health insurance) or PKV (private health insurance).

How Much Should You Insure?

To ensure that you are fully protected, it is important to insure yourself for a sufficient amount. If the damage exceeds the coverage amounts specified in the policy, you will have to pay the remaining costs out of pocket.

To avoid this situation, it is recommended to choose a minimum coverage amount of €10 million for personal injury, property damage, and financial loss. A better option, available for only a few extra euros, is to opt for coverage amounts of €50 million. This amount provides additional protection in case of accidents involving multiple people, which can result in significant losses.

What is insured?

Private liability insurance in Germany covers the dangers of daily life, but it is important to carry out basic responsibilities. Neglecting to supervise minors, violating traffic safety obligations such as cleaning and clearing snow on sidewalks, disobeying traffic regulations as a pedestrian or cyclist, and participating in private sporting activities such as soccer or tennis are examples where insurance coverage may not apply.

Other scenarios where insurance coverage may not apply include damage caused by rowing and paddle boats, surfboards, or sailboats, owning or occupying real estate, being a builder for construction measures, losing other people’s private or professional keys, and causing water damage from substances commonly used in the household such as paints, varnishes, and heating oil.

It is important to review the insurance policy to ensure that you are aware of the coverage limitations. Private liability insurance in Germany also does not cover intentional damages caused by the policyholder.

What is Not Insured?

There are some scenarios where private liability insurance in Germany may not provide coverage. It is important to understand these limitations to ensure that you have adequate protection.

Favors are generally not covered by private liability insurance, meaning you are not obligated to pay damages if you help others at their request (for example, moving) and cause damage through simple negligence. However, it is recommended to discuss such favors with the other person beforehand and, if necessary, look for appropriate insurance coverage.

Children who have not yet celebrated their 7th birthday are not held responsible for damages under the law and are incapable of tort. In the case of damage in moving traffic, children can only be held accountable from 10 years of age. If the parents have not neglected their duty of supervision, the injured party will not receive compensation. However, liability insurance that includes children of all ages can be obtained to avoid conflicts if your child causes damage. It is important to review the insurance policy to ensure that you are aware of the coverage limitations.

How are Premiums Calculated?

Premiums for private liability insurance in Germany are calculated based on several factors, including marital status, number of dependents, and occupation. Rates are offered for singles, married couples without children, families, and specific occupational groups.

Choosing a deductible per insured event can reduce the premium, but it typically provides minimal savings, so it may not be worth it. It is often cheaper to pay the insurance premium once a year instead of in monthly installments. It is important to compare insurance policies to find the best coverage and premium rates that meet your needs.

How to Terminate the Insurance Contract?

Terminating a private liability insurance contract in Germany typically requires a notice period of three months prior to the end of the term. If the contract is not terminated, it will automatically renew for another year, and then it can be terminated annually with three months’ notice.

The contract can also be cancelled in the event of a claim or premium increase. However, it is important to review the contract terms, as some policies may allow for cancellation at any time. It is recommended to read and understand the termination clauses of the insurance policy to ensure that you are aware of the terms and conditions.