{"id":1565,"date":"2023-05-08T09:55:24","date_gmt":"2023-05-08T09:55:24","guid":{"rendered":"https:\/\/expats.de\/?page_id=1565"},"modified":"2024-03-18T12:50:40","modified_gmt":"2024-03-18T11:50:40","slug":"private-liability-insurance","status":"publish","type":"page","link":"https:\/\/expats.de\/en\/property-casualty-insurance\/private-liability-insurance\/","title":{"rendered":"Private Liability Insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-stackable-columns alignfull stk-block-columns stk-block stk-1284f2b stk-block-background\" data-block-id=\"1284f2b\"><style>.stk-1284f2b{background-color:#3f7bfc1f !important;padding-top:100px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important;margin-bottom:0px !important}.stk-1284f2b:before{background-color:#3f7bfc1f !important}.stk-1284f2b-column{--stk-column-gap:35px !important}@media screen and (max-width:1023px){.stk-1284f2b{padding-left:50px !important}}@media screen and (max-width:767px){.stk-1284f2b{padding-top:70px !important;padding-right:15px !important;padding-bottom:30px !important;padding-left:20px !important}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-1284f2b-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-281a693\" data-v=\"4\" data-block-id=\"281a693\"><style>.stk-281a693-container{margin-top:0px !important;margin-right:0px !important;margin-bottom:0px !important;margin-left:0px !important}.stk-281a693{align-self:center !important}@media screen and (min-width:768px){.stk-281a693{flex:1 1 calc(73.7% - var(--stk-column-gap,0px) * 1 \/ 2 ) !important}}@media screen and (min-width:768px) and (max-width:1023px){.stk-281a693{flex:0 1 calc(75% - var(--stk-column-gap,0px) * 0 \/ 1 ) !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-281a693-container stk--no-background stk--no-padding\"><div class=\"has-text-align-center-mobile stk-block-content stk-inner-blocks stk-281a693-inner-blocks\">\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-af20fe1\" data-block-id=\"af20fe1\"><style>.stk-af20fe1{height:100px !important}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-572946e\" id=\"private-liability-insurance\" data-block-id=\"572946e\"><style>.stk-572946e{margin-bottom:25px !important}.stk-572946e .stk-block-heading__text{font-size:68px !important;line-height:1.1em !important}@media screen and (max-width:1023px){.stk-572946e .stk-block-heading__text{font-size:40px !important}}<\/style><h1 class=\"stk-block-heading__text has-text-align-left\">Private Liability Insurance<\/h1><\/div>\n\n\n\n<p class=\"has-text-align-left\">Accidents can happen in the blink of an eye \u2013 your child kicks a ball through your neighbour\u2019s 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. <a href=\"#FAQ's\"><span style=\"color: var(--theme-palette-color-1, #00509d);\" class=\"stk-highlight\">Read our FAQ&#8217;s<\/span><\/a> about Private Liability Insurances.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-d6c7a87\" data-block-id=\"d6c7a87\"><style>.stk-d6c7a87{margin-top:50px !important;margin-bottom:50px !important}.stk-d6c7a87 .stk-inner-blocks{column-gap:5px !important}@media screen and (max-width:767px){.stk-d6c7a87{margin-bottom:0px !important}}<\/style><div class=\"stk-row stk-inner-blocks has-text-align-left stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-left stk-block stk-104b74c\" data-block-id=\"104b74c\"><style>.stk-104b74c .stk-button{padding-top:12px !important;padding-right:40px !important;padding-bottom:12px !important;padding-left:40px !important;background:var(--theme-palette-color-1,#00509d) !important;border-radius:50px !important}.stk-104b74c .stk-button__inner-text{font-size:1.15em !important;color:var(--theme-palette-color-8,#ffffff) !important}@media screen and (max-width:1023px){.stk-104b74c .stk-button__inner-text{font-size:1.15em !important}}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"#your-options\"><span class=\"has-text-color stk-button__inner-text\">Your options<\/span><\/a><\/div>\n\n\n\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-left is-style-ghost stk-block stk-a5be551\" data-block-id=\"a5be551\"><style>.stk-a5be551 .stk-button{padding-top:12px !important;padding-right:40px !important;padding-bottom:12px !important;padding-left:40px !important;background:transparent !important;border-radius:50px !important}.stk-a5be551 .stk-button:hover:after{background:transparent !important;opacity:1 !important}:where(.stk-hover-parent:hover,.stk-hover-parent.stk--is-hovered) .stk-a5be551 .stk-button:after{background:transparent !important;opacity:1 !important}.stk-a5be551 .stk-button:before{border-style:solid !important;border-color:var(--theme-palette-color-1,#00509d) !important}.stk-a5be551 .stk-button .stk--inner-svg svg:last-child,.stk-a5be551 .stk-button .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:var(--theme-palette-color-1,#00509d) !important}.stk-a5be551 .stk-button__inner-text{font-size:1.15em !important;color:var(--theme-palette-color-1,#00509d) !important}@media screen and (max-width:1023px){.stk-a5be551 .stk-button__inner-text{font-size:1.15em !important}}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"#FAQ's\"><span class=\"has-text-color stk-button__inner-text\">Read FAQ&#8217;s<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-986cb71\" data-v=\"4\" data-block-id=\"986cb71\"><style>.stk-986cb71-container{margin-top:0px !important;margin-right:0px !important;margin-bottom:0px !important;margin-left:0px !important;background-color:transparent !important;background-position:center center !important;background-repeat:no-repeat !important;background-size:contain !important;box-shadow:none !important;padding-top:0px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important}.stk-986cb71{align-self:flex-end !important;padding-top:0px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important;margin-bottom:-100px !important}.stk-986cb71-container:before{background-color:transparent !important}@media screen and (min-width:768px){.stk-986cb71{flex:1 1 calc(26.3% - var(--stk-column-gap,0px) * 1 \/ 2 ) !important}}@media screen and (min-width:768px) and (max-width:1023px){.stk-986cb71{flex:0 1 calc(40% - var(--stk-column-gap,0px) * 0 \/ 1 ) !important}}@media screen and (max-width:1023px){.stk-986cb71{margin-bottom:0px !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-986cb71-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-986cb71-inner-blocks\"><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-2e2592e\" data-block-id=\"2e2592e\"><style>.stk-2e2592e{height:100px !important}@media screen and (max-width:1023px){.stk-2e2592e{height:70px !important}}@media screen and (max-width:767px){.stk-2e2592e{height:50px !important}}<\/style><\/div>\n\n\n\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-9f2acfe is-style-bar\" data-block-id=\"9f2acfe\"><style>.stk-9f2acfe{margin-bottom:25px !important}.stk-9f2acfe hr.stk-block-divider__hr{background:var(--theme-palette-color-2,#4b7878) !important;border-radius:calc(4px \/ 2) !important;height:4px !important;width:5% !important}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-99466fa\" id=\"your-options\" data-block-id=\"99466fa\"><style>.stk-99466fa{margin-bottom:25px !important}@media screen and (max-width:767px){.stk-99466fa .stk-block-heading__text{font-size:25px !important}}<\/style><h2 class=\"stk-block-heading__text has-text-align-center has-text-align-center-mobile\">Your Options<\/h2><\/div>\n\n\n\n<p class=\"has-text-align-center\">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 <a href=\"#FAQ's\">Read our FAQ&#8217;s<\/a> about Private Liability Insurances.<\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-ec464bd\" data-block-id=\"ec464bd\"><\/div>\n\n\n\n<div class=\"wp-block-stackable-columns aligncenter stk-block-columns stk-block stk-f576659\" data-block-id=\"f576659\"><style>.stk-f576659{margin-bottom:0px !important}.stk-f576659-column{--stk-column-gap:35px !important;row-gap:35px !important}@media screen and (max-width:1023px){.stk-f576659{margin-bottom:35px !important}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-f576659-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-9d33e56\" data-v=\"4\" data-block-id=\"9d33e56\"><style>.stk-9d33e56-container{margin-top:0px !important;margin-right:0px !important;margin-bottom:0px !important;margin-left:0px !important;background-color:var(--theme-palette-color-7,#FBFBFC) !important;border-radius:25px !important;overflow:hidden !important;box-shadow:0 5px 30px -10px rgba(18,63,82,0.3) !important}.stk-9d33e56{border-radius:20px !important;overflow:hidden !important;padding-top:50px !important;padding-right:50px !important;padding-bottom:50px !important;padding-left:50px !important}.stk-9d33e56-container:before{background-color:var(--theme-palette-color-7,#FBFBFC) !important}@media screen and (max-width:1023px){.stk-9d33e56{padding-top:10px !important;padding-right:10px !important;padding-bottom:10px !important;padding-left:10px !important}}@media screen and (max-width:767px){.stk-9d33e56{padding-top:0px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-9d33e56-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-9d33e56-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-5e315ae\" data-block-id=\"5e315ae\"><style>.stk-5e315ae{margin-bottom:25px !important}.stk-5e315ae .stk-img-wrapper{width:170px !important}<\/style><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img decoding=\"async\" class=\"stk-img wp-image-666\" src=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/30.png\" width=\"500\" height=\"500\" alt=\"Work Visa Germany\" srcset=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/30.png 500w, https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/30-300x300.png 300w, https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/30-150x150.png 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/span><\/figure><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-6da5cfb\" id=\"getsafe-private-liability-insurance\" data-block-id=\"6da5cfb\"><style>.stk-6da5cfb{padding-top:0px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important;margin-top:0px !important;margin-bottom:16px !important}<\/style><h5 class=\"stk-block-heading__text has-text-align-center\">Getsafe &#8211; Private Liability Insurance<\/h5><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list stk-block stk-83c0801\" data-block-id=\"83c0801\"><style>.stk-83c0801 .stk-block-icon-list-item__content{gap:4px !important;align-items:baseline !important}.stk-83c0801{--stk-icon-height:7.75px !important}@media screen and (max-width:767px){.stk-83c0801{--stk-icon-list-row-gap:5px !important}}<\/style><svg style=\"display:none\"><defs><g id=\"stk-icon-list__icon-svg-def-83c0801\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 190 190\"><polygon points=\"173.8,28.4 60.4,141.8 15.7,97.2 5.1,107.8 60.4,163 184.4,39 173.8,28.4\"\/><\/svg><\/g><\/defs><\/svg><div class=\"stk-block-icon-list__ul stk-block-icon-list--column\"><ul class=\"stk-block-icon-list__group\">\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-77c59a1\" data-block-id=\"77c59a1\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-83c0801\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Only pay what you really need<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-93bd336\" data-block-id=\"93bd336\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-83c0801\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Every documents and information on your phone<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-0b83a31\" data-block-id=\"0b83a31\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-83c0801\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">No fixed contract period<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-f8712ed\" data-block-id=\"f8712ed\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-83c0801\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">English-speaking customer support<\/span><\/div><\/li>\n<\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-17e8452\" data-block-id=\"17e8452\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-7faf92f\" data-block-id=\"7faf92f\"><style>.stk-7faf92f .stk-button{background:var(--theme-palette-color-1,#00509d) !important}.stk-7faf92f .stk-button__inner-text{color:var(--theme-palette-color-8,#ffffff) !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"#Getsafe\"><span class=\"has-text-color stk-button__inner-text\">Learn More<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-bff7893\" data-v=\"4\" data-block-id=\"bff7893\"><style>.stk-bff7893-container{margin-top:0px !important;margin-right:0px !important;margin-bottom:0px !important;margin-left:0px !important;background-color:var(--theme-palette-color-6,#f4f5f6) !important;border-radius:25px !important;overflow:hidden !important;box-shadow:0 5px 30px -10px rgba(18,63,82,0.3) !important}.stk-bff7893{border-radius:20px !important;overflow:hidden !important;padding-top:50px !important;padding-right:50px !important;padding-bottom:50px !important;padding-left:50px !important}.stk-bff7893-container:before{background-color:var(--theme-palette-color-6,#f4f5f6) !important}@media screen and (max-width:1023px){.stk-bff7893{padding-top:10px !important;padding-right:10px !important;padding-bottom:10px !important;padding-left:10px !important}}@media screen and (max-width:767px){.stk-bff7893{padding-top:0px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-bff7893-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-bff7893-inner-blocks\">\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-b28a3a1\" data-block-id=\"b28a3a1\"><style>.stk-b28a3a1{margin-bottom:25px !important}.stk-b28a3a1 .stk-img-wrapper{width:170px !important}<\/style><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img decoding=\"async\" class=\"stk-img wp-image-700\" src=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/13.png\" width=\"500\" height=\"500\" alt=\"Work Visa Germany\" srcset=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/13.png 500w, https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/13-300x300.png 300w, https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/13-150x150.png 150w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/span><\/figure><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-636c710\" id=\"fri-day-private-liability-insurance\" data-block-id=\"636c710\"><style>.stk-636c710{padding-top:0px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important;margin-top:0px !important;margin-bottom:16px !important}<\/style><h5 class=\"stk-block-heading__text has-text-align-center\">FRI:DAY- Private Liability Insurance<\/h5><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list stk-block stk-bc641ea\" data-block-id=\"bc641ea\"><style>.stk-bc641ea{margin-bottom:75px !important;--stk-icon-height:7.75px !important}.stk-bc641ea .stk-block-icon-list-item__content{gap:4px !important;align-items:baseline !important}@media screen and (max-width:767px){.stk-bc641ea{margin-bottom:25px !important;--stk-icon-list-row-gap:5px !important}}<\/style><svg style=\"display:none\"><defs><g id=\"stk-icon-list__icon-svg-def-bc641ea\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 190 190\"><polygon points=\"173.8,28.4 60.4,141.8 15.7,97.2 5.1,107.8 60.4,163 184.4,39 173.8,28.4\"\/><\/svg><\/g><\/defs><\/svg><div class=\"stk-block-icon-list__ul stk-block-icon-list--column\"><ul class=\"stk-block-icon-list__group\">\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-3875586\" data-block-id=\"3875586\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-bc641ea\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Choose from three tariffs for customised protection<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-70b0cc4\" data-block-id=\"70b0cc4\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-bc641ea\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Including loss of keys<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-e70c72b\" data-block-id=\"e70c72b\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-bc641ea\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Can be cancelled daily<\/span><\/div><\/li>\n<\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-8ec2843\" data-block-id=\"8ec2843\"><div class=\"stk-row stk-inner-blocks has-text-align-center stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-center stk-block stk-cc1402d\" data-block-id=\"cc1402d\"><style>.stk-cc1402d .stk-button{background:var(--theme-palette-color-1,#00509d) !important}.stk-cc1402d .stk-button__inner-text{color:var(--theme-palette-color-8,#ffffff) !important}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"#Friday\"><span class=\"has-text-color stk-button__inner-text\">Learn More<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-bottom:0\">\n<div class=\"wp-block-stackable-columns alignfull stk-block-columns stk-block stk-8c91dac stk-block-background\" data-block-id=\"8c91dac\"><style>.stk-8c91dac{background-color:var(--theme-palette-color-6,#f4f5f6) !important;padding-top:50px !important;padding-right:0px !important;padding-bottom:0px !important;padding-left:0px !important}.stk-8c91dac:before{background-color:var(--theme-palette-color-6,#f4f5f6) !important}.stk-8c91dac-column{--stk-column-gap:35px !important}@media screen and (max-width:1023px){.stk-8c91dac{padding-left:50px !important}}@media screen and (max-width:767px){.stk-8c91dac{padding-top:70px !important;padding-right:15px !important;padding-bottom:30px !important;padding-left:20px !important}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-8c91dac-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-585249b\" data-v=\"4\" data-block-id=\"585249b\"><style>.stk-585249b-container{margin-top:0px !important;margin-right:0px !important;margin-bottom:0px !important;margin-left:0px !important}.stk-585249b{align-self:center !important}@media screen and (min-width:768px) and (max-width:1023px){.stk-585249b{flex:0 1 calc(60% - var(--stk-column-gap,0px) * 1 \/ 2 ) !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-585249b-container stk--no-background stk--no-padding\"><div class=\"has-text-align-center-mobile stk-block-content stk-inner-blocks stk-585249b-inner-blocks\">\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-73b24cb\" data-block-id=\"73b24cb\"><style>.stk-73b24cb{margin-bottom:25px !important}@media screen and (max-width:1023px){.stk-73b24cb{margin-bottom:50px !important}}@media screen and (max-width:767px){.stk-73b24cb{margin-bottom:50px !important}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-73b24cb-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-56aa15d\" data-v=\"4\" data-block-id=\"56aa15d\"><style>@media screen and (min-width:768px){.stk-56aa15d{flex:1 1 calc(66.66699999999999% - var(--stk-column-gap,0px) * 1 \/ 2 ) !important}}@media screen and (min-width:768px) and (max-width:1023px){.stk-56aa15d{flex:0 1 calc(100% - var(--stk-column-gap,0px) * 0 \/ 1 ) !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-56aa15d-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-56aa15d-inner-blocks\">\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"Getsafe\">Apply online: Get Insured with Getsafe<\/h2>\n\n\n\n<p class=\"has-text-align-left\">GETSAFE offers a straightforward insurance service through its user-friendly app. The coverage is global, up to \u20ac50 million, for a monthly contribution of less than 5\u20ac. In recent years, GETSAFE has received several awards, including being named Germany&#8217;s top insuretech company in 2020 by two institutions. The app also has a high rating of 4.9 out of 5 stars.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-4ebd626\" data-block-id=\"4ebd626\"><style>.stk-4ebd626{padding-top:50px !important;margin-bottom:50px !important}.stk-4ebd626 .stk-inner-blocks{column-gap:5px !important}@media screen and (max-width:767px){.stk-4ebd626{margin-bottom:0px !important}}<\/style><div class=\"stk-row stk-inner-blocks has-text-align-left stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-left stk-block stk-4710377\" data-block-id=\"4710377\"><style>.stk-4710377 .stk-button{padding-top:12px !important;padding-right:40px !important;padding-bottom:12px !important;padding-left:40px !important;background:var(--theme-palette-color-1,#00509d) !important;border-radius:50px !important}.stk-4710377 .stk-button__inner-text{font-size:1.15em !important;color:var(--theme-palette-color-8,#ffffff) !important}@media screen and (max-width:1023px){.stk-4710377 .stk-button__inner-text{font-size:1.15em !important}}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/link.expats.de\/fa?t=34253C232358894T&amp;subid=page-en\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"has-text-color stk-button__inner-text\">Apply now online!<\/span><\/a><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-59eb15b\" data-block-id=\"59eb15b\"><style>@media screen and (max-width:767px){.stk-59eb15b{height:50px !important}}<\/style><\/div>\n<\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-2575ea5\" data-v=\"4\" data-block-id=\"2575ea5\"><style>@media screen and (min-width:768px){.stk-2575ea5{flex:1 1 calc(33.333% - var(--stk-column-gap,0px) * 1 \/ 2 ) !important}}@media screen and (min-width:768px) and (max-width:1023px){.stk-2575ea5{flex:0 1 calc(100% - var(--stk-column-gap,0px) * 0 \/ 1 ) !important}}@media screen and (max-width:767px){.stk-2575ea5{overflow:hidden !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-2575ea5-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-2575ea5-inner-blocks\">\n<div class=\"wp-block-stackable-video-popup stk-block-video-popup stk-block stk-de942b5\" data-video=\"https:\/\/www.youtube.com\/watch?v=msKzZKe34KE\" data-block-id=\"de942b5\"><button class=\"stk-block-video-popup__overlay stk-row stk-inner-blocks stk-block-content stk-hover-parent\" aria-label=\"Play Video\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-center stk-block stk-0aec3f8\" data-block-id=\"0aec3f8\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-0aec3f8\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-0-aec-3-f-8-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-0-aec-3-f-8-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg data-prefix=\"fas\" data-icon=\"play\" class=\"svg-inline--fa fa-play fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-1fb2f1a\" data-block-id=\"1fb2f1a\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img decoding=\"async\" class=\"stk-img wp-image-1587\" src=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-19-1.png\" width=\"5500\" height=\"3500\" alt=\"Private Liability Insurance\" srcset=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-19-1.png 2560w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-19-1-300x191.png 300w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-19-1-1024x652.png 1024w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-19-1-768x489.png 768w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-19-1-1536x977.png 1536w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-19-1-2048x1303.png 2048w\" sizes=\"(max-width: 5500px) 100vw, 5500px\" \/><\/span><\/figure><\/div>\n<\/button><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n\n\n\n<details class=\"wp-block-stackable-accordion stk-block-accordion stk-inner-blocks stk-block-content stk-block stk-e8d79ad is-style-default\" data-block-id=\"e8d79ad\"><style>.stk-e8d79ad{margin-bottom:0px !important}<\/style>\n<summary class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-c15c84f stk--container-small stk-block-accordion__heading\" data-v=\"4\" data-block-id=\"c15c84f\"><style>.stk-c15c84f{margin-top:-10px !important;margin-bottom:-10px !important;margin-left:-10px !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-c15c84f-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-c15c84f-inner-blocks\">\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-f7a5cea\" data-block-id=\"f7a5cea\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-6c032c2\" id=\"what-is-covered\" data-block-id=\"6c032c2\"><style>.stk-6c032c2 .stk-block-heading__text{font-size:18px !important}@media screen and (max-width:1023px){.stk-6c032c2 .stk-block-heading__text{font-size:18px !important}}<\/style><h4 class=\"stk-block-heading__text\">What is covered?<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-271f57d\" data-block-id=\"271f57d\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-271f57d\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-271-f-57-d-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-271-f-57-d-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg data-prefix=\"fas\" data-icon=\"chevron-down\" class=\"svg-inline--fa fa-chevron-down fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><\/span><\/div>\n<\/div><\/div>\n<\/div><\/div><\/summary>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-00af1b9 stk-block-background stk-block-accordion__content\" data-v=\"4\" data-block-id=\"00af1b9\"><style>.stk-00af1b9{background-color:var(--theme-palette-color-7,#FBFBFC) !important;margin-top:10px !important;margin-right:20px !important;margin-bottom:10px !important;margin-left:5px !important}.stk-00af1b9:before{background-color:var(--theme-palette-color-7,#FBFBFC) !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-00af1b9-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-00af1b9-inner-blocks\">\n<p class=\"has-text-align-left\">GETSAFE offers coverage for a wide range of leisure activities and hobbies, including situations such as losing your keys. <\/p>\n\n\n\n<p class=\"has-text-align-left\">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&#8217;s policy. <\/p>\n\n\n\n<p class=\"has-text-align-left\">More information can be found on the website with just a click of a button.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-9f3194a\" data-block-id=\"9f3194a\"><style>.stk-9f3194a{padding-top:50px !important;margin-bottom:50px !important}.stk-9f3194a .stk-inner-blocks{column-gap:5px !important}@media screen and (max-width:767px){.stk-9f3194a{padding-bottom:25px !important;margin-bottom:0px !important}}<\/style><div class=\"stk-row stk-inner-blocks has-text-align-left stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button has-text-align-left stk-block stk-f2754ff\" data-block-id=\"f2754ff\"><style>.stk-f2754ff .stk-button{padding-top:12px !important;padding-right:40px !important;padding-bottom:12px !important;padding-left:40px !important;background:var(--theme-palette-color-1,#00509d) !important;border-radius:50px !important}.stk-f2754ff .stk-button__inner-text{font-size:1.15em !important;color:var(--theme-palette-color-8,#ffffff) !important}@media screen and (max-width:1023px){.stk-f2754ff .stk-button__inner-text{font-size:1.15em !important}}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/link.expats.de\/fa?t=34253C232358894T&amp;subid=page-en\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"has-text-color stk-button__inner-text\">More Information<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/details>\n\n\n\n<details class=\"wp-block-stackable-accordion stk-block-accordion stk-inner-blocks stk-block-content stk-block stk-2d83e4f is-style-default\" data-block-id=\"2d83e4f\"><style>.stk-2d83e4f{margin-bottom:0px !important}<\/style>\n<summary class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-42c4e21 stk--container-small stk-block-accordion__heading\" data-v=\"4\" data-block-id=\"42c4e21\"><style>.stk-42c4e21{margin-top:-10px !important;margin-bottom:-10px !important;margin-left:-10px !important}@media screen and (max-width:767px){.stk-42c4e21{margin-top:2px !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-42c4e21-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-42c4e21-inner-blocks\">\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-277a7ac\" data-block-id=\"277a7ac\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-539de15\" id=\"your-main-advantages-at-getfsafe\" data-block-id=\"539de15\"><style>.stk-539de15 .stk-block-heading__text{font-size:18px !important}@media screen and (max-width:1023px){.stk-539de15 .stk-block-heading__text{font-size:18px !important}}<\/style><h4 class=\"stk-block-heading__text\">Your main advantages at Getfsafe<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-1c9f704\" data-block-id=\"1c9f704\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-1c9f704\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-1-c-9-f-704-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-1-c-9-f-704-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg data-prefix=\"fas\" data-icon=\"chevron-down\" class=\"svg-inline--fa fa-chevron-down fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><\/span><\/div>\n<\/div><\/div>\n<\/div><\/div><\/summary>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-3157356 stk-block-background stk-block-accordion__content\" data-v=\"4\" data-block-id=\"3157356\"><style>.stk-3157356{background-color:var(--theme-palette-color-7,#FBFBFC) !important;margin-top:10px !important;margin-right:20px !important;margin-bottom:10px !important;margin-left:5px !important}.stk-3157356:before{background-color:var(--theme-palette-color-7,#FBFBFC) !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-3157356-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-3157356-inner-blocks\">\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-87ab2df\" data-block-id=\"87ab2df\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-87ab2df-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-e105216\" data-v=\"4\" data-block-id=\"e105216\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-e105216-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-e105216-inner-blocks\">\n<p><strong>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:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list stk-block stk-471eba0\" data-block-id=\"471eba0\"><style>.stk-471eba0 .stk-block-icon-list-item__content{gap:4px !important;align-items:baseline !important}.stk-471eba0{--stk-icon-height:7.75px !important}@media screen and (max-width:767px){.stk-471eba0{--stk-icon-list-row-gap:15px !important}}<\/style><svg style=\"display:none\"><defs><g id=\"stk-icon-list__icon-svg-def-471eba0\"><\/g><\/defs><\/svg><div class=\"stk-block-icon-list__ul stk-block-icon-list--column\"><ul class=\"stk-block-icon-list__group\">\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-586e797\" data-block-id=\"586e797\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-471eba0\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Worldwide coverage: Getsafe&#8217;s private liability insurance provides coverage worldwide, up to a sum of \u20ac50 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.<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-074aea6\" data-block-id=\"074aea6\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-471eba0\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">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.<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-373ed87\" data-block-id=\"373ed87\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-471eba0\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">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.<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-fa1b30e\" data-block-id=\"fa1b30e\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-471eba0\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Comprehensive coverage: Getsafe&#8217;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.<\/span><\/div><\/li>\n<\/ul><\/div><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/details>\n\n\n\n<details class=\"wp-block-stackable-accordion stk-block-accordion stk-inner-blocks stk-block-content stk-block stk-e46b825 is-style-default\" data-block-id=\"e46b825\"><style>.stk-e46b825{padding-bottom:50px !important}@media screen and (max-width:767px){.stk-e46b825{margin-bottom:0px !important}}<\/style>\n<summary class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-63902e4 stk--container-small stk-block-accordion__heading\" data-v=\"4\" data-block-id=\"63902e4\"><style>.stk-63902e4{margin-top:-10px !important;margin-bottom:-10px !important;margin-left:-10px !important}@media screen and (max-width:767px){.stk-63902e4{margin-top:2px !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-63902e4-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-63902e4-inner-blocks\">\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-4be7619\" data-block-id=\"4be7619\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-6bb96cf\" id=\"how-much-does-it-cost\" data-block-id=\"6bb96cf\"><style>.stk-6bb96cf .stk-block-heading__text{font-size:18px !important}@media screen and (max-width:1023px){.stk-6bb96cf .stk-block-heading__text{font-size:18px !important}}<\/style><h4 class=\"stk-block-heading__text\">How much does it cost?<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-8c556c2\" data-block-id=\"8c556c2\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-8c556c2\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-8-c-556-c-2-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-8-c-556-c-2-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg data-prefix=\"fas\" data-icon=\"chevron-down\" class=\"svg-inline--fa fa-chevron-down fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><\/span><\/div>\n<\/div><\/div>\n<\/div><\/div><\/summary>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-50de2f9 stk-block-background stk-block-accordion__content\" data-v=\"4\" data-block-id=\"50de2f9\"><style>.stk-50de2f9{background-color:var(--theme-palette-color-7,#FBFBFC) !important;margin-top:10px !important;margin-right:20px !important;margin-bottom:10px !important;margin-left:5px !important}.stk-50de2f9:before{background-color:var(--theme-palette-color-7,#FBFBFC) !important}.stk-50de2f9-container{padding-bottom:25px !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-50de2f9-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-50de2f9-inner-blocks\">\n<p class=\"has-text-align-left\">The cost of Getsafe&#8217;s private liability insurance varies based on a number of factors, such as the coverage amount, deductible, personal risk factors, and the customer&#8217;s location. However, Getsafe&#8217;s private liability insurance starts at<strong> less than 5\u20ac per month<\/strong>. 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.<\/p>\n<\/div><\/div><\/div>\n<\/details>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-constrained wp-block-group-is-layout-constrained\" id=\"Friday\" style=\"padding-bottom:0\">\n<div class=\"wp-block-stackable-columns alignfull stk-block-columns stk-block stk-bd4c462 stk-block-background\" data-block-id=\"bd4c462\"><style>.stk-bd4c462{background-color:var(--theme-palette-color-6,#f4f5f6) !important;padding-top:75px !important;padding-right:0px !important;padding-bottom:50px !important;padding-left:0px !important;margin-top:-50px !important}.stk-bd4c462:before{background-color:var(--theme-palette-color-6,#f4f5f6) !important}.stk-bd4c462-column{--stk-column-gap:35px !important}@media screen and (max-width:1023px){.stk-bd4c462{padding-left:50px !important}}@media screen and (max-width:767px){.stk-bd4c462{padding-top:70px !important;padding-right:15px !important;padding-bottom:30px !important;padding-left:20px !important}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-bd4c462-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-24025cd\" data-v=\"4\" data-block-id=\"24025cd\"><style>.stk-24025cd-container{margin-top:0px !important;margin-right:0px !important;margin-bottom:0px !important;margin-left:0px !important}.stk-24025cd{align-self:center !important}@media screen and (min-width:768px) and (max-width:1023px){.stk-24025cd{flex:0 1 calc(60% - var(--stk-column-gap,0px) * 1 \/ 2 ) !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-24025cd-container stk--no-background stk--no-padding\"><div class=\"has-text-align-center-mobile stk-block-content stk-inner-blocks stk-24025cd-inner-blocks\">\n<div class=\"wp-block-stackable-divider stk-block-divider stk-block stk-35ae47a is-style-bar\" data-block-id=\"35ae47a\"><style>.stk-35ae47a{margin-bottom:50px !important}.stk-35ae47a hr.stk-block-divider__hr{background:#adc7e0 !important;border-radius:calc(1px \/ 2) !important;height:1px !important;width:100% !important}<\/style><hr class=\"stk-block-divider__hr\"\/><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<h2 class=\"wp-block-heading has-text-align-left\" id=\"FRI:DAY\">Apply online: Get Insured with FRI:DAY<\/h2>\n\n\n\n<p class=\"has-text-align-left\"><em>Private Liability Insurance<\/em> &#8211; Insure everything instant<\/p>\n\n\n\n<p class=\"has-text-align-left\">No matter how much you plan, things can go wrong in a second \u2014 for you and those around you. With FRI:DAYs private liability insurance, you\u2019ll be protected from extravagant expenses if you accidentally cause harm to others or their belongings.&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-left\">Choose a tariff that suits you perfectly. Only pay for exactly what you need.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>Perfect for:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list has-text-align-left stk-block stk-b20381e\" data-block-id=\"b20381e\"><ul><li>Families<\/li><li>Students<\/li><li>Seniors<\/li><li>Pet owners<\/li><li>Real estate owners<\/li><li>Tenants<\/li><\/ul><\/div>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-23b36c9\" data-block-id=\"23b36c9\"><style>.stk-23b36c9{padding-top:50px !important;margin-bottom:50px !important}.stk-23b36c9 .stk-inner-blocks{column-gap:5px !important}@media screen and (max-width:767px){.stk-23b36c9{padding-bottom:25px !important;margin-top:-25px !important;margin-bottom:0px !important}}<\/style><div class=\"stk-row stk-inner-blocks has-text-align-left stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-9e8edba\" data-block-id=\"9e8edba\"><style>.stk-9e8edba .stk-button{padding-top:12px !important;padding-right:40px !important;padding-bottom:12px !important;padding-left:40px !important;background:var(--theme-palette-color-1,#00509d) !important;border-radius:50px !important}.stk-9e8edba .stk-button__inner-text{font-size:1.15em !important;color:var(--theme-palette-color-8,#ffffff) !important}@media screen and (max-width:1023px){.stk-9e8edba .stk-button__inner-text{font-size:1.15em !important}}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/link.expats.de\/fa?t=34253C2050100386T&amp;subid=page-en\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"has-text-color stk-button__inner-text\">Apply now online!<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<div class=\"wp-block-stackable-video-popup stk-block-video-popup stk-block stk-07c8d3d\" data-video=\"https:\/\/www.youtube.com\/watch?v=Bce4eKiyGXs\" data-block-id=\"07c8d3d\"><button class=\"stk-block-video-popup__overlay stk-row stk-inner-blocks stk-block-content stk-hover-parent\" aria-label=\"Play Video\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-center stk-block stk-08b603f\" data-block-id=\"08b603f\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-08b603f\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-08-b-603-f-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-08-b-603-f-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg data-prefix=\"fas\" data-icon=\"play\" class=\"svg-inline--fa fa-play fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M424.4 214.7L72.4 6.6C43.8-10.3 0 6.1 0 47.9V464c0 37.5 40.7 60.1 72.4 41.3l352-208c31.4-18.5 31.5-64.1 0-82.6z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-a925549\" data-block-id=\"a925549\"><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img decoding=\"async\" class=\"stk-img wp-image-1596\" src=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-21.png\" width=\"5500\" height=\"3500\" alt=\"Private liability Insurance\" srcset=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-21.png 2560w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-21-300x191.png 300w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-21-1024x652.png 1024w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-21-768x489.png 768w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-21-1536x977.png 1536w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-21-2048x1303.png 2048w\" sizes=\"(max-width: 5500px) 100vw, 5500px\" \/><\/span><\/figure><\/div>\n<\/button><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-75d9357\" data-block-id=\"75d9357\"><style>.stk-75d9357{height:25px !important}@media screen and (max-width:767px){.stk-75d9357{height:50px !important}}<\/style><\/div>\n\n\n\n<details class=\"wp-block-stackable-accordion stk-block-accordion stk-inner-blocks stk-block-content stk-block stk-a97aef6 is-style-default\" data-block-id=\"a97aef6\"><style>.stk-a97aef6{margin-bottom:0px !important}<\/style>\n<summary class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-576e0c2 stk--container-small stk-block-accordion__heading\" data-v=\"4\" data-block-id=\"576e0c2\"><style>.stk-576e0c2{margin-top:-10px !important;margin-bottom:-10px !important;margin-left:-10px !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-576e0c2-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-576e0c2-inner-blocks\">\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-d8a274c\" data-block-id=\"d8a274c\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-ff32c17\" id=\"your-main-advantages-with-fri-day\" data-block-id=\"ff32c17\"><style>.stk-ff32c17 .stk-block-heading__text{font-size:18px !important}@media screen and (max-width:1023px){.stk-ff32c17 .stk-block-heading__text{font-size:18px !important}}<\/style><h4 class=\"stk-block-heading__text\">Your Main advantages with FRI:DAY<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-def6f6a\" data-block-id=\"def6f6a\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-def6f6a\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-def-6-f-6-a-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-def-6-f-6-a-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg data-prefix=\"fas\" data-icon=\"chevron-down\" class=\"svg-inline--fa fa-chevron-down fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><\/span><\/div>\n<\/div><\/div>\n<\/div><\/div><\/summary>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-d725a2e stk-block-background stk-block-accordion__content\" data-v=\"4\" data-block-id=\"d725a2e\"><style>.stk-d725a2e{background-color:var(--theme-palette-color-7,#FBFBFC) !important;margin-top:10px !important;margin-right:20px !important;margin-bottom:10px !important;margin-left:5px !important}.stk-d725a2e:before{background-color:var(--theme-palette-color-7,#FBFBFC) !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-d725a2e-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-d725a2e-inner-blocks\">\n<p class=\"has-text-align-left\">FRIDAY&#8217;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.<\/p>\n\n\n\n<p class=\"has-text-align-left\"><em><strong>So what are you covered for?<\/strong><\/em><\/p>\n\n\n\n<p class=\"has-text-align-left\"><strong>FRI:DAY includes damage in your private life, such as:<\/strong><\/p>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list stk-block stk-703c2a5\" data-block-id=\"703c2a5\"><style>.stk-703c2a5 .stk-block-icon-list-item__content{gap:4px !important;align-items:baseline !important}.stk-703c2a5{--stk-icon-height:7.75px !important}@media screen and (max-width:767px){.stk-703c2a5{--stk-icon-list-row-gap:15px !important}}<\/style><svg style=\"display:none\"><defs><g id=\"stk-icon-list__icon-svg-def-703c2a5\"><\/g><\/defs><\/svg><div class=\"stk-block-icon-list__ul stk-block-icon-list--column\"><ul class=\"stk-block-icon-list__group\">\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-d124bf2\" data-block-id=\"d124bf2\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-703c2a5\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Damage you cause in road traffic as a pedestrian or cyclist.<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-3beba4a\" data-block-id=\"3beba4a\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-703c2a5\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Damage you cause while playing sports<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-673d1ce\" data-block-id=\"673d1ce\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-703c2a5\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Damage caused by small and tame pets<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-a0d2989\" data-block-id=\"a0d2989\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-703c2a5\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Damage caused by you as an occupant of a house or flat, whether you are the tenant or the owner.<\/span><\/div><\/li>\n<\/ul><\/div><\/div>\n<\/div><\/div><\/div>\n<\/details>\n\n\n\n<details class=\"wp-block-stackable-accordion stk-block-accordion stk-inner-blocks stk-block-content stk-block stk-19fc086 is-style-default\" data-block-id=\"19fc086\"><style>.stk-19fc086{margin-bottom:0px !important}<\/style>\n<summary class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-ece1996 stk--container-small stk-block-accordion__heading\" data-v=\"4\" data-block-id=\"ece1996\"><style>.stk-ece1996{margin-top:-10px !important;margin-bottom:-10px !important;margin-left:-10px !important}@media screen and (max-width:767px){.stk-ece1996{margin-top:2px !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-ece1996-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-ece1996-inner-blocks\">\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-46366b8\" data-block-id=\"46366b8\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-aa0f73c\" id=\"how-much-does-it-cost\" data-block-id=\"aa0f73c\"><style>.stk-aa0f73c .stk-block-heading__text{font-size:18px !important}@media screen and (max-width:1023px){.stk-aa0f73c .stk-block-heading__text{font-size:18px !important}}<\/style><h4 class=\"stk-block-heading__text\">How much does it cost?<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-f85f176\" data-block-id=\"f85f176\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-f85f176\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-f-85-f-176-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-f-85-f-176-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg data-prefix=\"fas\" data-icon=\"chevron-down\" class=\"svg-inline--fa fa-chevron-down fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><\/span><\/div>\n<\/div><\/div>\n<\/div><\/div><\/summary>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-50315df stk-block-background stk-block-accordion__content\" data-v=\"4\" data-block-id=\"50315df\"><style>.stk-50315df{background-color:var(--theme-palette-color-7,#FBFBFC) !important;margin-top:10px !important;margin-right:20px !important;margin-bottom:10px !important;margin-left:5px !important}.stk-50315df:before{background-color:var(--theme-palette-color-7,#FBFBFC) !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-50315df-container stk--no-background stk--no-padding\"><div class=\"has-text-align-left stk-block-content stk-inner-blocks stk-50315df-inner-blocks\">\n<p><em>FRI:DAY private liability insurance<\/em>&nbsp;starts at just \u20ac2 a month.<\/p>\n\n\n\n<div class=\"wp-block-stackable-button-group stk-block-button-group stk-block stk-72ec43c\" data-block-id=\"72ec43c\"><style>.stk-72ec43c{padding-top:50px !important}.stk-72ec43c .stk-inner-blocks{column-gap:5px !important}@media screen and (max-width:767px){.stk-72ec43c{margin-bottom:0px !important}}<\/style><div class=\"stk-row stk-inner-blocks has-text-align-left stk-block-content stk-button-group\">\n<div class=\"wp-block-stackable-button stk-block-button stk-block stk-2eafb41\" data-block-id=\"2eafb41\"><style>.stk-2eafb41 .stk-button{padding-top:12px !important;padding-right:40px !important;padding-bottom:12px !important;padding-left:40px !important;background:var(--theme-palette-color-1,#00509d) !important;border-radius:50px !important}.stk-2eafb41 .stk-button__inner-text{font-size:1.15em !important;color:var(--theme-palette-color-8,#ffffff) !important}@media screen and (max-width:1023px){.stk-2eafb41 .stk-button__inner-text{font-size:1.15em !important}}<\/style><a class=\"stk-link stk-button stk--hover-effect-darken\" href=\"https:\/\/link.expats.de\/fa?t=34253C2050100386T&amp;subid=page-en\" target=\"_blank\" rel=\"noreferrer noopener\"><span class=\"has-text-color stk-button__inner-text\">Apply now online!<\/span><\/a><\/div>\n<\/div><\/div>\n<\/div><\/div><\/div>\n<\/details>\n\n\n\n<details class=\"wp-block-stackable-accordion stk-block-accordion stk-inner-blocks stk-block-content stk-block stk-092e82c is-style-default\" data-block-id=\"092e82c\"><style>.stk-092e82c{margin-bottom:0px !important}<\/style>\n<summary class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-e87ce67 stk--container-small stk-block-accordion__heading\" data-v=\"4\" data-block-id=\"e87ce67\"><style>.stk-e87ce67{margin-top:-10px !important;margin-bottom:-10px !important;margin-left:-10px !important}@media screen and (max-width:767px){.stk-e87ce67{margin-top:2px !important}}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-e87ce67-container stk-hover-parent\"><div class=\"stk-block-content stk-inner-blocks stk-e87ce67-inner-blocks\">\n<div class=\"wp-block-stackable-icon-label stk-block-icon-label stk-block stk-b8eb82f\" data-block-id=\"b8eb82f\"><div class=\"stk-row stk-inner-blocks stk-block-content\">\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-45f069b\" id=\"how-to-get-insured-with-fri-day\" data-block-id=\"45f069b\"><style>.stk-45f069b .stk-block-heading__text{font-size:18px !important}@media screen and (max-width:1023px){.stk-45f069b .stk-block-heading__text{font-size:18px !important}}<\/style><h4 class=\"stk-block-heading__text\">How to get insured with FRI:DAY?<\/h4><\/div>\n\n\n\n<div class=\"wp-block-stackable-icon stk-block-icon stk-block stk-9cf8662\" data-block-id=\"9cf8662\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-9cf8662\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-9-cf-8662-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-9-cf-8662-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg data-prefix=\"fas\" data-icon=\"chevron-down\" class=\"svg-inline--fa fa-chevron-down fa-w-14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path fill=\"currentColor\" d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div><\/span><\/div>\n<\/div><\/div>\n<\/div><\/div><\/summary>\n\n\n\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-81b24ae stk-block-background stk-block-accordion__content\" data-v=\"4\" data-block-id=\"81b24ae\"><style>.stk-81b24ae{background-color:var(--theme-palette-color-7,#FBFBFC) !important;margin-top:10px !important;margin-right:20px !important;margin-bottom:10px !important;margin-left:5px !important}.stk-81b24ae:before{background-color:var(--theme-palette-color-7,#FBFBFC) !important}<\/style><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-81b24ae-container stk--no-background stk--no-padding\"><div class=\"has-text-align-left stk-block-content stk-inner-blocks stk-81b24ae-inner-blocks\">\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list stk-block stk-72cae9a\" data-block-id=\"72cae9a\"><style>.stk-72cae9a .stk-block-icon-list-item__content{gap:4px !important;align-items:baseline !important}.stk-72cae9a{--stk-icon-height:7.75px !important}@media screen and (max-width:767px){.stk-72cae9a{--stk-icon-list-row-gap:5px !important}}<\/style><svg style=\"display:none\"><defs><g id=\"stk-icon-list__icon-svg-def-72cae9a\"><\/g><\/defs><\/svg><div class=\"stk-block-icon-list__ul stk-block-icon-list--column\"><ul class=\"stk-block-icon-list__group\">\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-cc0928f\" data-block-id=\"cc0928f\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-72cae9a\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Step 1: Visit the&nbsp;homepage&nbsp;<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-61c5b41\" data-block-id=\"61c5b41\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-72cae9a\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Step 2: Choose a tariff&nbsp;<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-4e40833\" data-block-id=\"4e40833\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-72cae9a\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Step 4: Click on \u201cJetzt Focus-Tarif berechnen\u201d<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-f5f6159\" data-block-id=\"f5f6159\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-72cae9a\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Step 5: Voil\u00e1!<\/span><\/div><\/li>\n<\/ul><\/div><\/div>\n<\/div><\/div><\/div>\n<\/details>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\" style=\"padding-top:0;padding-bottom:0\">\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-fb45a7a\" data-block-id=\"fb45a7a\"><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-fb45a7a-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-1913b22\" data-v=\"4\" data-block-id=\"1913b22\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-1913b22-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-1913b22-inner-blocks\">\n<div class=\"wp-block-stackable-video-popup stk-block-video-popup stk-block stk-2080737\" data-video=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/04\/About-Us-Einwandern-Englisch-Sympatme-with-subs-1.mp4\" data-block-id=\"2080737\"><style>.stk-2080737{border-radius:25px !important;overflow:hidden !important;padding-top:50px !important;padding-right:0px !important;padding-bottom:125px !important;padding-left:0px !important}@media screen and (max-width:767px){.stk-2080737{margin-bottom:-50px !important}}<\/style><button class=\"stk-block-video-popup__overlay stk-row stk-inner-blocks stk-block-content stk-hover-parent\" aria-label=\"Play Video\">\n<div class=\"wp-block-stackable-icon stk-block-icon has-text-align-center stk-block stk-3e68ccc\" data-block-id=\"3e68ccc\"><style>.stk-3e68ccc .stk--svg-wrapper .stk--inner-svg svg:last-child{height:60px !important;width:60px !important}.stk-3e68ccc .stk--svg-wrapper .stk--inner-svg svg:last-child,.stk-3e68ccc .stk--svg-wrapper .stk--inner-svg svg:last-child :is(g,path,rect,polygon,ellipse){fill:var(--theme-palette-color-8,#ffffff) !important}@media screen and (max-width:1023px){.stk-3e68ccc .stk--svg-wrapper .stk--inner-svg svg:last-child{height:40px !important;width:40px !important}}<\/style><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg style=\"height:0;width:0\"><defs><linearGradient id=\"linear-gradient-3e68ccc\" x1=\"0\" x2=\"100%\" y1=\"0\" y2=\"0\"><stop offset=\"0%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-3-e-68-ccc-color-1)\"><\/stop><stop offset=\"100%\" style=\"stop-opacity:1;stop-color:var(--linear-gradient-3-e-68-ccc-color-2)\"><\/stop><\/linearGradient><\/defs><\/svg><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 256 320\" class=\"ugb-custom-icon ugb-custom-icon ugb-play-button-normal\" aria-hidden=\"true\" width=\"32\" height=\"32\"><path d=\"M0 0v320l256-160L0 0z\"><\/path><\/svg><\/div><\/span><\/div>\n\n\n\n<div class=\"wp-block-stackable-image stk-block-image stk-block stk-eb3663d\" data-block-id=\"eb3663d\"><style>.stk-eb3663d{border-radius:25px !important;overflow:hidden !important}.stk-eb3663d .stk-img-wrapper{height:600px !important;--stk-gradient-overlay:0.8 !important}.stk-eb3663d .stk-img-wrapper img{object-position:52% 53% !important}.stk-eb3663d .stk-img-wrapper::after{background-color:#263a3b !important}:where(.stk-hover-parent:hover,.stk-hover-parent.stk--is-hovered) .stk-eb3663d .stk-img-wrapper{--stk-gradient-overlay:0.5 !important}@media screen and (max-width:1023px){.stk-eb3663d .stk-img-wrapper{height:400px !important}}<\/style><figure><span class=\"stk-img-wrapper stk-image--shape-stretch\"><img decoding=\"async\" class=\"stk-img wp-image-1405\" src=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-11.png\" width=\"5500\" height=\"3500\" alt=\"How to sign up for German health insurance\" srcset=\"https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-11.png 2560w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-11-300x191.png 300w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-11-1024x652.png 1024w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-11-768x489.png 768w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-11-1536x977.png 1536w, https:\/\/expats.de\/wp-content\/uploads\/2023\/05\/Video-11-2048x1303.png 2048w\" sizes=\"(max-width: 5500px) 100vw, 5500px\" \/><\/span><\/figure><\/div>\n<\/button><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-stackable-columns stk-block-columns stk-block stk-cd34a48\" data-block-id=\"cd34a48\"><style>@media screen and (max-width:1023px){.stk-cd34a48{padding-right:50px !important;padding-left:50px !important}}@media screen and (max-width:767px){.stk-cd34a48{padding-right:20px !important;padding-left:20px !important}}<\/style><div class=\"stk-row stk-inner-blocks stk-block-content stk-content-align stk-cd34a48-column\">\n<div class=\"wp-block-stackable-column stk-block-column stk-column stk-block stk-81473dc\" data-v=\"4\" data-block-id=\"81473dc\"><div class=\"stk-column-wrapper stk-block-column__content stk-container stk-81473dc-container stk--no-background stk--no-padding\"><div class=\"stk-block-content stk-inner-blocks stk-81473dc-inner-blocks\">\n<h2 class=\"wp-block-heading\" id=\"FAQ's\">FAQ &#8211; Private Liability Insurances in Germany<\/h2>\n\n\n\n<p class=\"has-medium-font-size\"><span style=\"color: var(--theme-palette-color-4, #28292a);\" class=\"stk-highlight\">Table of Contents<\/span><\/p>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list stk-block stk-2cca0f5\" data-block-id=\"2cca0f5\"><style>.stk-2cca0f5{margin-bottom:50px !important;--stk-icon-height:16px !important}.stk-2cca0f5 .stk-block-icon-list-item__content{gap:4px !important;align-items:baseline !important}<\/style><div class=\"stk-block-icon-list__ol stk-block-icon-list--column\"><ol class=\"stk-block-icon-list__group\">\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-4c73d17\" data-block-id=\"4c73d17\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk-block-icon-list-item__marker\" aria-hidden=\"true\"><\/span><span class=\"stk-block-icon-list-item__text\"><span style=\"color: var(--theme-palette-color-1, #00509d);\" class=\"stk-highlight\"><a href=\"#private-liability-insurance-in-germany-who-needs-what-protection\">Private Liability Insurance in Germany: Who Needs What Protection?<\/a><\/span><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-3a85329\" data-block-id=\"3a85329\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk-block-icon-list-item__marker\" aria-hidden=\"true\"><\/span><span class=\"stk-block-icon-list-item__text\"><span style=\"color: var(--theme-palette-color-1, #00509d);\" class=\"stk-highlight\"><a href=\"#when-does-it-step-in\">When Does It Step In?<\/a><\/span><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-6fef498\" data-block-id=\"6fef498\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk-block-icon-list-item__marker\" aria-hidden=\"true\"><\/span><span class=\"stk-block-icon-list-item__text\"><span style=\"color: var(--theme-palette-color-1, #00509d);\" class=\"stk-highlight\"><a href=\"#how-much-should-you-insure\">How Much Should You Insure?<\/a><\/span><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-493551e\" data-block-id=\"493551e\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk-block-icon-list-item__marker\" aria-hidden=\"true\"><\/span><span class=\"stk-block-icon-list-item__text\"><span style=\"color: var(--theme-palette-color-1, #00509d);\" class=\"stk-highlight\"><a href=\"#what-is-insured\">What is insured?<\/a><\/span><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-6e2f891\" data-block-id=\"6e2f891\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk-block-icon-list-item__marker\" aria-hidden=\"true\"><\/span><span class=\"stk-block-icon-list-item__text\"><span style=\"color: var(--theme-palette-color-1, #00509d);\" class=\"stk-highlight\"><a href=\"#what-is-not-insured\">What is Not Insured?<\/a><\/span><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-39fa137\" data-block-id=\"39fa137\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk-block-icon-list-item__marker\" aria-hidden=\"true\"><\/span><span class=\"stk-block-icon-list-item__text\"><span style=\"color: var(--theme-palette-color-1, #00509d);\" class=\"stk-highlight\"><a href=\"#how-are-premiums-calculated\">How are Premiums Calculated?<\/a><\/span><\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-5003d60\" data-block-id=\"5003d60\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk-block-icon-list-item__marker\" aria-hidden=\"true\"><\/span><span class=\"stk-block-icon-list-item__text\"><span style=\"color: var(--theme-palette-color-1, #00509d);\" class=\"stk-highlight\"><a href=\"#how-to-terminate-the-insurance-contract\">How to Terminate the Insurance Contract?<\/a><\/span><\/span><\/div><\/li>\n<\/ol><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-55c48eb\" id=\"private-liability-insurance-in-germany-who-needs-what-protection\" data-block-id=\"55c48eb\"><h3 class=\"stk-block-heading__text\">Private Liability Insurance in Germany: Who Needs What Protection?<\/h3><\/div>\n\n\n\n<p class=\"has-text-align-left\">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:<\/p>\n\n\n\n<div class=\"wp-block-stackable-icon-list stk-block-icon-list stk-block stk-d1af989\" data-block-id=\"d1af989\"><style>.stk-d1af989 .stk-block-icon-list-item__content{gap:4px !important;align-items:baseline !important}.stk-d1af989{--stk-icon-height:7.75px !important}<\/style><svg style=\"display:none\"><defs><g id=\"stk-icon-list__icon-svg-def-d1af989\"><\/g><\/defs><\/svg><div class=\"stk-block-icon-list__ul stk-block-icon-list--column\"><ul class=\"stk-block-icon-list__group\">\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-d30a5cf\" data-block-id=\"d30a5cf\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-d1af989\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">House and landowners<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-2122c99\" data-block-id=\"2122c99\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-d1af989\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Animal owners <\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-a8063f3\" data-block-id=\"a8063f3\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-d1af989\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Owners of oil tanks or buildings<\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-475c312\" data-block-id=\"475c312\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-d1af989\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Owners of motor vehicles <\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-63f9fda\" data-block-id=\"63f9fda\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-d1af989\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">Boats, and airplanes, <\/span><\/div><\/li>\n\n\n\n<li class=\"wp-block-stackable-icon-list-item stk-block-icon-list-item stk-block stk-b92337f\" data-block-id=\"b92337f\"><div class=\"stk-block-icon-list-item__content\"><span class=\"stk--svg-wrapper\"><div class=\"stk--inner-svg\"><svg aria-hidden=\"true\" width=\"32\" height=\"32\"><use xlink:href=\"#stk-icon-list__icon-svg-def-d1af989\"><\/use><\/svg><\/div><\/span><span class=\"stk-block-icon-list-item__text\">And persons in public service who may face recourse claims.<\/span><\/div><\/li>\n<\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-66ae9b3\" data-block-id=\"66ae9b3\"><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-c6ca3fc\" id=\"when-does-it-step-in\" data-block-id=\"c6ca3fc\"><h3 class=\"stk-block-heading__text\">When Does It Step In?<\/h3><\/div>\n\n\n\n<p>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 &#8220;passive&#8221; 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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-5b2c37f\" data-block-id=\"5b2c37f\"><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-d02f148\" id=\"who-needs-international-health-insurance-and-when-to-consider-it\" data-block-id=\"d02f148\"><h3 class=\"stk-block-heading__text has-text-align-left\">Who needs International Health Insurance &amp; when to consider it?<\/h3><\/div>\n\n\n\n<p class=\"has-text-align-left\">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.<\/p>\n\n\n\n<p class=\"has-text-align-left\">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.<\/p>\n\n\n\n<p class=\"has-text-align-left\">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).<\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-f9e7fdb\" data-block-id=\"f9e7fdb\"><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-1aea4f1\" id=\"how-much-should-you-insure\" data-block-id=\"1aea4f1\"><h3 class=\"stk-block-heading__text has-text-align-left\">How Much Should You Insure?<\/h3><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>To avoid this situation, it is recommended to choose a minimum coverage amount of \u20ac10 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 \u20ac50 million. This amount provides additional protection in case of accidents involving multiple people, which can result in significant losses.<\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-527fd3c\" data-block-id=\"527fd3c\"><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-1d191b0\" id=\"what-is-insured\" data-block-id=\"1d191b0\"><h3 class=\"stk-block-heading__text\">What is insured?<\/h3><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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&#8217;s private or professional keys, and causing water damage from substances commonly used in the household such as paints, varnishes, and heating oil.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-ed6c486\" data-block-id=\"ed6c486\"><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-e44c1bd\" id=\"what-is-not-insured\" data-block-id=\"e44c1bd\"><h3 class=\"stk-block-heading__text\">What is Not Insured?<\/h3><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-98b3301\" data-block-id=\"98b3301\"><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-01483bf\" id=\"how-are-premiums-calculated\" data-block-id=\"01483bf\"><h3 class=\"stk-block-heading__text\">How are Premiums Calculated?<\/h3><\/div>\n\n\n\n<p>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.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-7e0964d\" data-block-id=\"7e0964d\"><\/div>\n\n\n\n<div class=\"wp-block-stackable-heading stk-block-heading stk-block-heading--v2 stk-block stk-f9cc21f\" id=\"how-to-terminate-the-insurance-contract\" data-block-id=\"f9cc21f\"><h3 class=\"stk-block-heading__text\">How to Terminate the Insurance Contract?<\/h3><\/div>\n\n\n\n<p>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&#8217; notice.<\/p>\n\n\n\n<p>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.<\/p>\n\n\n\n<div class=\"wp-block-stackable-spacer stk-block-spacer stk--no-padding stk-block stk-29bb828\" data-block-id=\"29bb828\"><style>.stk-29bb828{height:75px !important}<\/style><\/div>\n<\/div><\/div><\/div>\n<\/div><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Private Liability Insurance Accidents can happen in the blink of an eye \u2013 your child kicks a ball through your neighbour\u2019s 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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":7362,"parent":1561,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[1],"tags":[17],"blocksy_meta":{"page_title_panel":"","has_hero_section":"disabled","f3f8f49fb10cdf60f245ab9c8d61436e":"","hero_section":"type-1","hero_elements":[{"id":"custom_title","enabled":true,"heading_tag":"h1","title":"Home"},{"id":"custom_description","enabled":true,"description_visibility":{"desktop":true,"tablet":true,"mobile":false}},{"id":"custom_meta","enabled":false,"meta_elements":[{"id":"author","enabled":true,"label":"By","has_author_avatar":"yes","avatar_size":25},{"id":"post_date","enabled":true,"label":"On","date_format_source":"default","date_format":"M j, Y"},{"id":"updated_date","enabled":false,"label":"On","date_format_source":"default","date_format":"M j, 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Liability Insurance Accidents can happen in the blink of an eye \u2013 your child kicks a ball through your neighbour\u2019s 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&hellip;<\/p>\n","category_list":"<a href=\"https:\/\/expats.de\/en\/category\/living-in-germany\/\" rel=\"category tag\">Living in Germany<\/a>","author_info":{"name":"Louisa Anger","url":"https:\/\/expats.de\/en\/author\/louisa\/"},"comments_num":"0 comments","yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Reliable Private Liability Insurance in Germany | Expats.de<\/title>\n<meta name=\"description\" content=\"Comprehensive coverage for accidents &amp; damages\ud83d\udca1Enjoy global coverage \u2713 flexible plans \u2713 English-speaking support \u27a4 Apply online\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/expats.de\/en\/property-casualty-insurance\/private-liability-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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