Compare private liability insurances now

Every citizen should have a high performance private liability insurance in Germany.
The insurance is always important if you or your children cause damage to third parties. Your spouse or partner is also covered. If you haven’t got one yet: Take out a strong and affordable private liability insurance now. It only costs about 50 to 100 Euro per year.
If you have an expensive old contract, you can cancel it and then switch to a cheap liability insurance. Find a comparison of private liability insurances in Germany here.

 

What is covered?

Costs

Private liability damages

Borrowed or rented items

Loss of receivables if the person who damaged does not have insurance

Damages during voluntary work

Lost keys (from a third party)

Damages in your apartment

Family members, life partner, spouse and children

Coverage in Europe – all time 

World-wide – 5 years

No Deductible (0.00€ – The amount you pay for covered health care services before your insurance plan starts to pay) – 4.01€/month 

Deductible of 150€ – 3.09€/month

Deductible of 300€ – 2.56€/month 

Deductible of 500€ – 2.18€/month 

Deductible of 1000€ – 1.75€/month

Private liability damages

Borrowed or rented items

Loss of receivables if the person who damaged does not have insurance

Damages during voluntary work

Lost keys (from a third party)

Damages in your apartment

Family members, life partner, spouse and children

Coverage in Europe – all time 

World-wide – 3 years

 

 

 

 

 

 

No Deductible (0.00€ – The amount you pay for covered health care services before your insurance plan starts to pay) – 4,4€/month 

Deductible of 150€ – 2.63€/month

Private liability damages

Also including members living  in the apartment

Material damage inflicted on employers and Material damage inflicted on colleagues at work (depending on the plan)

Aupairs or comparable persons in the household

Lost keys (from a third party)

Damages in your apartment

Family members, life partner, spouse and children

 

 

 

 

 

 

82.11€/ year (and also depending on the age)

 

What is covered?

Costs

Depending on the type of insurance (Compact, Basic, Top, Premium), the coverage varies

Personal injury and property damage in all packages

Loss of other person’s keys covered only in Top package

Protection for stays abroad in all packages

Family members, life partner, spouse and children

 Voluntary work, Supervision of foreign children
 
Damage caused by domestic sewage

 

Compact – 37.01 €

Basic – 50.19 €

Top – 63.47 €

Premium – 85.68 €

Cover for personal injury, property damage and loss

 House and landowner liability
 
Cyber basic cover / Internet protection

Damage due to use of bicycles and e-bikes
rented property

(also “Shareconomy” for example AirBnB)

Rented & borrowed things
(also “Shareconomy” for example AirBnB)


Comfort S – 15€/year

Comfort M – 16€/year

Comfort L – 17€/year

Takes personal, property and pecuniary damage caused by you or co-insured persons.

Basic protection: 5 million euros

Comfort protection: 25 million euros

Material damages, Personal damages and lost keys included

Basic protection: 5 million euros

Comfort protection: 25 million euros

 

Basic starts from 22 €/year, Comfort from 33 €/year

 

What is covered?

Depending on the type of insurance (Compact, Basic, Top, Premium), the coverage varies

Personal injury and property damage in all packages

Loss of other person’s keys covered only in Top package

Protection for stays abroad in all packages

Family members, life partner, spouse and children

 Voluntary work, Supervision of foreign children
 
Damage caused by domestic sewage

 

Costs

Compact – 37.01 €

Basic – 50.19 €

Top – 63.47 €

Premium – 85.68 €

What is covered?

Cover for personal injury, property damage and loss

 House and landowner liability
 

Cyber basic cover / Internet protection

Damage due to use of bicycles and e-bikes

rented property

(also “Shareconomy” for example AirBnB)

Rented & borrowed things
(also “Shareconomy” for example AirBnB)

Costs

Comfort S – 15€/year

Comfort M – 16€/year

Comfort L – 17€/year

What is covered?

Takes personal, property and pecuniary damage caused by you or co-insured persons.

Basic protection: 5 million euros

Comfort protection: 25 million euros

Material damages, Personal damages and lost keys included

Basic protection: 5 million euros

Comfort protection: 25 million euros

 

 

Costs

Basic starts from 22 €/year

Comfort from 33 €/year

 

What is covered?

Private liability damages

Borrowed or rented items

Loss of receivables if the person who damaged does not have insurance

Damages during voluntary work

Lost keys (from a third party)

Damages in your apartment

Family members, life partner, spouse and children

Coverage in Europe – all time 

World-wide – 5 years

Costs 

No Deductible (0.00€ – The amount you pay for covered health care services before your insurance plan starts to pay) – 4.01€/month 

Deductible of 150€ – 3.09€/month

Deductible of 300€ – 2.56€/month 

Deductible of 500€ – 2.18€/month 

Deductible of 1000€ – 1.75€/month

What is covered?

Private liability damages

Borrowed or rented items

Loss of receivables if the person who damaged does not have insurance

Damages during voluntary work

Lost keys (from a third party)

Damages in your apartment

Family members, life partner, spouse and children

Coverage in Europe – all time 

World-wide – 3 years

Costs 

No Deductible (0.00€ – The amount you pay for covered health care services before your insurance plan starts to pay) – 4,4€/month 

Deductible of 150€ – 2.63€/month

What is covered?

Private liability damages

Also including members living  in the apartment

Material damage inflicted on employers and Material damage inflicted on colleagues at work (depending on the plan)

Aupairs or comparable persons in the household

Lost keys (from a third party)

Damages in your apartment

Family members, life partner, spouse and children

Costs 

82.11€/ year (and also depending on the age)


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