How To Get German Private Liability Insurance

I promise you one thing: Following the instructions on this website is the easiest way to get German liability insurance. All online and in English.

German Liability Insurance

The Most Important Insurance In Germany

German private liability insurance is the most important insurance in Germany (second only to mandatory health insurance). It covers all cost and liabilities occurred during an accident, i.e. damage done to any individual’s property, person, or assets.

Instructions & Comparison of liability insurances in Germany

The following article will provide you with information on some of the best priced liability insurances on the German market today and show you a comparison of good liability insurances and where to buy them.

One of the German liability insurances even offers a website completely in English! But more about that later on.

This blog will explain why you need German liability insurance, as well as what is covered by private liability insurance. We have tried to make everything as simple and easy as possible, so that being insured is the least of your worries and instead you can begin settling into your new life here in Germany!

Who Needs German Private Liability Insurance?

Good question, right?

Everyone who is capable of causing damage to a third party, their property or assets needs German private liability insurance. It only takes a moment of not being fully aware of the situation – and BAM it has happened. You damaged something that doesn’t belong to you – or worse – injured another person. German private liability insurance insures you against such “happenings” and the financial liabilities that come with it.

Some Examples

Example 1:

You are using your friend’s new, expensive smartphone, and then you accidentally drop it. The phone breaks and of course your friend wants you to pay for it. If you have German private liability insurance, the insurance will pay for a replacement phone.

Example 2:

There is a party at your friend’s house. As you reach across the table you accidentally spill your drink onto your friend’s laptop. The laptop cannot be used anymore. Got private liability insurance? Perfect, it also covers you here.

Example 3:

A more serious example. While playing soccer you hit your opponent so hard, that his leg breaks. It’s a complicated surgery and he will suffer long-term. You can be held responsible for that. Your liability insurance would protect you from a potential financial crisis.

What Exactly Is Covered By German Private Liability Insurance?

In General The Following Is Covered

  • Personal and property damage
  • Damages to borrowed and hired property (like in your apartment)
  • Protection against uninsured third parties
  • Keys to a rental property
  • For renters: Rented rooms (Rented property damage)
  • Football, cycling, skiing and more sports
  • Damages through internet use

how to get german private liability insurance

Comparison Of German Private Liability Insurances

There are many different providers of liability insurance in Germany. Below I have gathered all the insurance companies for you that

  • offer really good value
  • have a good price
  • and you can buy online

  • Monthly Cost for Coverage
  • Custom Policies To Fit Your Needs
  • No Fixed Duration, Cancel Anytime
  • English Speaking Customer Support
  • No General Excess
  • Website In English
  • English Contract Information
  • No Claim Bonus


  • €6.00


personal liability insurance germany
  • €4.29

Adam Riese

  • €5.25



With COYA the whole process of buying the liability insurance is in English. In addition, customer support is also available in English. Starting with 4.29€ per month they offer an unbeatable rate for PREMIUM coverage of 30 Million Euro! It is the simplest way to get your German liability insurance. Even the insurance contract itself will be in English. No other liability insurance company can offer that right now. Most expats chose COYA.

   No fixed duration, can be cancelled anytimehow to get german private liability insurance

   No generell excess

   Starting at 4.29€ per month

   Highest coverage (30 Million Euro)

   „no claim“ bonuses

   English-speaking customer support

   Fast claims

   Worldwide cover

   Pay with credit card or SEPA-debit

   English contract


how to get german private liability insurance

Haftpflicht-Helden („Liability-Heroes“) is the All-In-One Flat rate liability insurance. One price and everybody is covered. You, your partner and even your kids. The regular price is 6,00€ per month (72,00€ per year), but with the Code „KOPF4“ you can get a discount of 6,00€ per year, meaning you safe one month of paying and the annual rate is just 66,00€. Although the website is only available in German, you can contact their customer support (which is available in English) via chat or phone and they will guide you through the process. This is the liability insurance I have for my family and myself.

   No fixed duration, can be cancelled  anytime

   All-In-One-Package for the whole family

   English-speaking customer support

   Privately used drones are also insured (max. 5kg)

   Save 6,00€ every year with the code „KOPF4“

  Only available in German, but customer support speaks English

  General excess of 150,00€

Adam Riese

how to get german private liability insurance

Adam Riese is an online insurance company that offers liability insurance and legal insurance. You choose from three different private liability insurance packages (L, XL and XXL). It is very individualized. Unfortunately, their website is in German. Customer support is also in German.

   Very individualized „building set“ 

   Privately used drones are also insured (max. 5kg)

  Only available in German

  Minimum duration of 1 year (after 1 year you can cancel it anytime)

One Last Thing

Before you leave this page, make sure you’ve got private liability insurance for you and/or your family. There are a lot of unnecessary insurances in Germany. But German private liability insurance is not one of them. It is a MUST HAVE when living or working in Germany.

It protects you against a lot of different risks in your daily life and it is very inexpensive.

Take a couple minutes and get yourself covered!

I hope this information has been helpful. If so, please recommend it to your expat friends! Thanks a lot! And enjoy Germany!


P.S. You need more help with opening a German bank account or how to get German home contents insurance? Check out our brand new website for you germany2go!

Who is writing here?

My name is Bastian and I am a certified, independent insurance broker in Germany. My wife is American and together we help English-speaking expats figure out insurance and banking in Germany. Knowing the challenges my wife faced when she came to Germany and the complicated German system inspired us to start this blog. Although there is a lot information available on the internet about German insurances, most of it is not correct or incomplete.

I also own Germany’s biggest Youtube-Channel about insurance knowledge and was honored with the Education Award of the German Insurance Industry“ in 2018 and became „Young Broker of the Year“ in 2017.

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