Private liability insurance (Haftpflichtversicherung) in Germany

Private liability insurance

In Germany the law is significantly different than in other countries as there is no limit on the damage has to be compensated if the person is announced to be responsible for an accident. That’s the reason that almost every German person has private liability insurance.

Have you ever considered any of the following could happen to you? Or have happened already?

  • Bumped into someone
  • Crossed the road on a red light
  • Your child accidentally damages someone else’s property
  • Cycled on the pavement

By law you could be legally forced to pay a fix amount to cover any damage you caused accidently. (This could be an exceptionally high amount if you caused personal injury)
Good thing is that the fees for this insurance is relatively cheap.

Real life examples showing you that you need to be careful in Germany

Please see some cases collected from Toytown (a forum for English speaking expats in Germany) about situations when persons were accused responsible and liable for thousands of Euros.

Case 1: A hotel guest is being forced to pay damage caused on the hotel door.

Case 2: A woman is responsible for hitting a car with her bike.

Case 3: Regardless being hit by a tram and breaking her ankle a lady was accused of being negligent. She needs to pay for resulting damages. (tram and persons on board)

Case 4: A child’s parents whose kid accidentally broke a guitar at school are being forced to pay the cost of replacement.

German Private liability insurance (Haftpflichtversicherung) is not expensive

It’s important that your policy covers key extras as private liability insurance could significantly vary.

Complacency damage (Gefälligkeitshandlungen) is one of the key elements that is most of the time not included in the policies.

This option provides you with coverage in the case of your friend accidently drops one of your expensive belongings whilst helping you move into your new apartment for instance.

To help you in selecting the best option we would appoint the options of Gothaer, which covers additional extras are required for a private liability insurance and all in a good price range.

We have prepared a summary below including the fees for a private liability insurance policy for a single person. The total coverage amount is up to you, we believe that up to € 10million would be enough. Should you need additional coverage for the total amount there are other options available too.

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Comparing German liability insurance policies

We appointed three similar insurance policies (DEVK, Allianz and Ergo) for a single person at the age of 30. All of the policies below are more expensive and miss certain features compared to our choice above.

Comparison

It takes only three minutes to complete the form for Goather.

To ease the process, please see steps prepared for you.

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