Personal Liability Insurance
Personal liability insurance in Germany is one of the most important types of insurance. It protects you financially from accidental damages you inflict on another person or his/her property. It is also sometimes referred to as private liability insurance.
Table of Contents:
- Top 3 Personal Liability Insurance Companies for Expats
- Who needs personal liability insurance?
- 4 Things Every Expat Should Look For
- How much does it cost?
- What’s covered?
- What’s not covered?
- Costs Without Personal Liability Insurance
- Best Options for Expats
Top 3 Personal Liability Insurance Companies for Expats
Here’s a quick comparison of the top 3 personal liability insurance companies for expats in Germany!
- 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!
Who needs personal liability insurance in Germany?
The majority of people that live in Germany have personal liability insurance. In Germany, there is no limit on how much someone can claim against you for damages you cause. You are also responsible for anything your children or pets damage. In other words, you have to pay for the damages. The financial repercussions could be really difficult to get through. Furthermore, the laws in Germany can be really confusing. Therefore, you should get protection with personal liability insurance in Germany. Fortunately personal liability insurance in Germany is very inexpensive – plans start at just €3/month.
4 Things Every Expat Should Look For
- Customer support in English: You should definitely choose private liability insurance in Germany that offers customer support in English. German is a really hard language. It’s especially difficult when you’re talking about insurance. The last thing you want to do is overcome a language barrier when you have questions. So – make sure your insurance company has reliable customer support in English. It’ll make things a lot easier – especially if you need to make a claim.
- Website/Services in English: Your private liability insurance in Germany should have a website in English. Furthermore, your insurance company should explain the services offered in English.
- Contracts in English: This is so important! You need to know what you’re signing up for. The contract should be available in English.
- Online insurance: Lastly, try to choose private liability insurance in Germany that has online options available. As an expat, you never know where you’ll be. If your insurance company has an online platform then it’ll be much easier to manage. This is especially true if you need to make a claim! Some insurance companies also have apps that make it even more simple to get help and submit claims.
How much does it cost?
Personal liability insurance in Germany does not cost a lot. Three of the most common personal liability insurance companies for expats cost between €4 and €6 per month. You can expect to pay between €45 and €75 per year. If you purchase add-ons then it will cost a little more. For instance, sometimes you can purchase additional coverage for items like your bicycle or drone.
Personal liability insurance covers many different things. In general, most plans cover the following:
- Personal and property damage
- Damages to borrowed and hired property (like 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
What’s not covered?
Personal liability insurance in Germany usually does not cover:
- Damages in relation to your job or volunteer work
- Select high-risk hobbies/activities
- Legal fines or penalties (For example, a speeding ticket)
- Accidents when driving (For this you need auto/vehicle insurance)
- Damages to your home that homeowners insurance covers
- Incidents in which family members accidentally injure each other or themselves
Costs Without Personal Liability Insurance
1. While at work, you accidentally spill your drink onto your co-workers laptop. Consequently, the laptop breaks and you’re responsible for the damages. It could cost over €1,300 to replace the laptop.
2. You’re texting on your phone as you walk down a street in the center of Berlin. You’re not paying attention to your surroundings and accidentally cross in front of a cyclist. As a result, the cyclist loses control and falls off of his bike. He breaks his arm and hits his head. The accident is your fault and you’re responsible for his medical bills. The bills could quickly add up to more than €2,000!
3. You borrow your friend’s professional photography camera and accidentally drop it. The camera is broken and repairing the damages could cost more than €1,000!
4. You’re carrying a heavy box and it slips from your fingers. You drop it on your friend’s foot and, as a result, your friend needs medical care. In this situation, personal liability insurance would pay for the cost of the medical treatment up to your coverage limit!
Best Options for Expats
The top three options for personal liability insurance in Germany for expats are COYA, Haftpflicht-Helden and GetSafe.
COYA is a great option for expats looking for personal liability insurance in Germany. The customer support team, website, and contracts are all available in English. This is especially helpful for foreigners living in Germany that don’t speak German. Another reason COYA is so popular amongst expats is because COYA’s insurance plan is one of the least expensive. You can get personal liability insurance through COYA starting at just €4.29/month. This plan includes premium coverage of up to 30 million euros! As with Haftpbflicht-Helden and GetSafe, COYA also offers custom policies to fit your needs and no fixed duration. In other words, you’re not locked into your plan and you can cancel at anytime! What really makes COYA stand apart, however, is the no claims bonus. Lastly, with COYA there is no general excess (also known as a deductible). You can get personal liability insurance in English on COYA’s website!
Haftpflicht-Helden (“Liability-Heroes”) is another top option for expats. Starting at just €6.00/month Haftpflicht-Helden will insure you, your spouse and your children. That’s only €72.00/year for personal liability insurance. Furthermore, you can get a discount if you use the code “KOPF4”. With this code you get one month for free! There are a few downsides to Haftpflicht-Helden. The first is that there is a general excess (deductible). The second is that Haftpflicht-Helden does not have a no claim bonus. Lastly, the website is not available in English. It’s only in German. So if you don’t speak fluent German this could be a little difficult! It’s important to note, however, that Haftpflicht-Helden does offer customer support in English. The customer support team will help you go through the process of buying insurance on the website over the phone or through chat. You can get Haftpflicht-Helden personal liability insurance online!
GetSafe offers personal liability insurance plans starting at €4.70/month. There is no general excess and you can cancel your plan at anytime. GetSafe insures up to 25 million euros and offers coverage outside of Germany. The downside to GetSafe personal liability insurance is that GetSafe does not have a no claim bonus. Another downside that the contract to get insured is not available in English. However, GetSafe’s website and customer support are available in English. GetSafe personal liability insurance is really easy to get online!
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