PRIVATE CLIENTS · MUST-HAVE
Personal liability is the basic cover every household in Germany needs.
Free first consultation →The problem
Under German law you are liable for damage you cause to others with everything you own, for the rest of your life. A cycling accident, a glass knocked over onto your host's laptop or damage to a holiday flat can get expensive fast. Anyone with no liability cover, or cover that is too weak, is risking more than they realise.
Our solution
We check existing policies for gaps and find personal liability cover with an adequate limit, at least €10 million, with sensible inclusions for damage to rented property, favours done for others and lost keys, at the right price.
Book an appointment →The hard facts
83%
Around 83% of households in Germany have personal liability cover. It is one of the most important policies there is.
Unlimited
Under German law, anyone who causes damage to another person is generally liable with all their present and future assets. There is no statutory upper limit.
€50m+
Serious personal injury can produce claims running into millions. Modern personal liability policies therefore often offer limits of €50 million or even €100 million.
from €5
a month: personal liability cover usually costs just a few euros, and protects against losses that can quickly run into millions.
Worth knowing
A liability policy also checks whether claims against you are justified at all, and fights off unfounded ones, in court if need be.
A brief lapse of attention, on a bike, visiting friends or in a rented flat, can have serious financial consequences.
Depending on the policy, spouses, registered partners and children can be included on one contract.
Features such as cover for unrecoverable claims, lost keys, damage while doing someone a favour or damage caused by children too young to be held liable differ considerably. Comparing policies is worth the effort.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
BIG COVER, SMALL PREMIUM
Cause damage and your liability is unlimited, covering everything you own. Personal liability insurance takes on that risk from just a few euros a month, for the whole family.
€50m+
limit of indemnity on good policies.
Family
Partners and children are usually included.
from ~€5
a month, less than one coffee a week.
Worth knowing
Look out for features such as damage while doing a favour and lost keys. This is exactly where good policies part company with weak ones.
In a free consultation we check whether your liability cover would hold when it matters, in person, by phone or by video. No obligation. You decide afterwards.
Book an appointment →