How To Get Personal Liability Insurance Germany
Everybody who lives in Germany needs personal liability insurance. Your landlord might not even rent you a flat unless you have it. But the most important thing is that you protect yourself and/or your family with personal liability insurance in Germany. I wrote this blog-article to help expats/foreigners living in Germany. My American wife inspired me to write about insurance in Germany to also help others like her after she moved to Germany. If you don't have a lot of time, you can compare the 3 best personal liability insurances in Germany for non-Germans right below this text. Most of our readers choose COYA, which also is our recommendation. For anyone else who needs more information - just keep reading.
- 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
Best Choice For Expats!
Personal Liability Insurance Germany
The Most Important Insurance In Germany
Personal liability insurance in Germany is the most important insurance in Germany (second only to mandatory health insurance). It covers all cost and liabilities that occur during an accident, i.e. damage done to any individual’s property, person, or assets.
English Guide & Comparison of TOP 3 liability insurances in Germany
The following article will provide you with information the best priced liability insurances on the German market today. You can read a comparison of good liability insurances and where to buy them.
Two of the personal liability insurances in Germany even offer a website completely in English! But more about that later on.
This blog will explain why you need personal liability insurance, as well as what is covered by personal liability insurance. This blog-article is the only one you need to read about liability insurance in Germany. We cover everything for you.
Who Needs Personal Liability Insurance in Germany?
Good question, right?
Anyone who is capable of causing damage to a third party, their property or their assets needs personal liability insurance in Germany. It only takes a moment of not being fully aware of the situation for something bad to happen. Maybe you damaged something that doesn’t belong to you – or worse – injured another person. Personal liability insurance in Germany insures you against such “happenings” and the financial liabilities that come with it.
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 personal liability insurance in Germany then your insurance would pay for a replacement phone.
Liability insurance claim – 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 personal liability insurance? Perfect, it also covers you here.
Liability insurance claim – 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 could be held responsible for that. Your liability insurance would protect you from a potential financial crisis.
What Exactly Is Covered By Personal Liability Insurance in Germany?
The following is usually 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
Comparison Of Personal Liability Insurances Germany
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
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!
Easiest way to get German liability insurance
It is the simplest way to get your liability insurance. Even the insurance contract is in English. No other liability insurance company can offer that right now. Most expats, including my wife, chose COYA.
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€.
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€
Starting at 6.00€ per month
Getsafe is another online insurance company that offers liability insurance (and some other insurances like legal insurance). They also focus on providing services for non-Germans, expats and foreigners living in Germany. You will find an English website and English speaking customer support.
Advice and FAQs
Before you leave this page, make sure you’ve got personal liability insurance for you and/or your family. There are a lot of unnecessary insurances in Germany. But personal 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!
Insurance In Germany - Other Types Of Insurances
You learned about personal liability insurance in Germany. But there also some other important insurances in Germany you should know about: German health insurance (private health insurance and public health insurance), German home contents insurance, German legal insurance, German car insurance, German life insurance and German accident insurance. We also created a complete article about insurance in Germany for you.
How Much Does Liability Insurance Cost In Germany?
You can get really good German liability insurance for around 50-60€ per year. German liability insurance is really not expensive, but it is really important. If you get an offer over 100€ or more you should be suspicious. This would be too expensive for German liability insurance.
Is Liability Insurance In Germany Required By Law?
It depends on the type of liability insurance. Personal liability insurance is not required by law. Car (vehicle) insurance, on the other hand, is required by law. If you own a car in Germany, you have to get car liability insurance. Although personal liability insurance is not required by law in Germany, you are liable by law for all the damages you cause to other people. And that is why personal liability insurance is highly recommended in Germany. Almost 85% of people living in Germany have personal liability insurance.
Are There Other Names For Personal Liability Insurance?
Yes, there are. Quite a few actually. When people talk about or search for liability insurance in Germany, it is also referred to as German private liability insurance, German personal liability insurance, German public liability insurance or German third party liability insurance. In all of these cases people actually mean personal liability insurance in Germany (“deutsche private Haftpflichtversicherung”), which would be the correct term.
How To Report A Liability Damage?
Once a liability damage occurs, you should immediately contact your insurance company and tell them about the liability claim. When you report a claim, there are normally different forms to fill out. This can be quite difficult if you do not speak German. Therefore we highly recommend choosing an insurance company that provides English-speaking customer support, an English website and contract information in English. The best liability insurance in Germany for you then would be COYA, as mentioned above.
What Insurance Do I Need In Germany?
As mentioned in one of the other FAQs, there are two types of insurance in Germany that are mandatory. The first is health insurance – private German health insurance or public German health insurance. The second is German car liability insurance. When you buy a car in Germany and want to get your license plate at the German “DMV”, you need to show them proof of German car liability insurance. Otherwise you can’t get a valid license plate for your car. In addition to those insurances in Germany, German home contents insurance and German legal insurance are recommended. If you want to learn more about these types of insurance, you should visit www.germany2go.com.
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.
Germanys largest Insurance-YouTube-Channel
I also own Germany’s largest 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.