LIABILITY INSURANCE (Haftpflicht)
There are many types of Liability Insurance - Private and Professional are two of the most common and are described here.
If you have another requirement please contact us.
If you do not want any advice and want to apply for the insurance direct, then click on the following "HAFTPFLICHTKASSE" and this will bring you to our quote system for liability, house-hold, pet-liability, accident and more insurances: HAFTPFLICHTKASSE
In Germany nobody should be without this. It is not compulsory but under German law you are legally liable for bodily injuries (death, injury or other harm to people's health) or property damage (damage to or the destruction or loss of property or injury to or the death or loss of animals).
Two classic examples: Your little child runs out of the house into the street and knocks over an elderly person, who breaks a leg or, even worse, a hip bone. You are distracted (texting on your smart phone!) and fail to notice a cyclist. To avoid you, he rides into a car and damages both the bike and the car and suffers injury.
This is what liability insurance is for. Without it, you and your family can face serious financial consequences! This low cost insurance is available for singles or for couples and families.
From around € 60 per year)
Children and young people living at home are included under the family insurance up to age 25 if they are single and not in employment. Your dog needs its own policy!
What should be covered in a standard policy? Minimum €5,000,000 cover per year for personal injury and damage to property - including rented accommodation. A liability exclusion clause (which means your insurance would compensate you if your health or property were damaged and the person responsible didn't have a liability insurance or financial means). Damage through "acts of kindness" (Schäden aus dem Gefälligkeitsverhältnis) should also be covered as well as - of course - damage caused by children under the age of responsibility (Schäden durch deliktunfähige Personen) etc.
Please complete the Contact form in the panel on the right for more details or if you want to apply direct without any advice then please click on one of the following pictures for quotes and online applications.
For VHV Versicherungen: