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.