Failures happen to everyone - a child scratched someone else's car with a bicycle, you lost the keys to a rented apartment, you flooded your neighbors, or you filled up your rented car with diesel instead of gasoline?
The insurance company will reimburse all expenses.
Liability insurance - so you can sleep peacefully.
All important additional insurances are covered in separate article.
Examples of insurance compensation
- A friend's phone was accidentally broken.
- Losing keys and changing the lock (both at work and in rented housing).
- Damaging someone else's car with a cart, bicycle or toy.
- Unintentional bodily harm. For example, while crossing the street, you do not notice a cyclist and he falls and is seriously injured.
- Flooding or soot contamination of neighbors due to an accident (flood, short circuit) is not your fault.
- The insurance is valid throughout the EU, and in some tariffs, throughout the world. Have peace of mind on business trips and vacations.
Additionally
- Professional responsibility is a separate option.
- Damage associated with friendly services is an additional option. For example, dropping a friend’s laptop while receiving free moving help.
Does not apply
- For damage caused to yourself or to people insured with you in the same contract (family members).
- For intentional damage or damage associated with violation of the law.
What to look for when choosing a tariff
- Sufficient insurance amount: from 20 million euros.
- Availability of coverage for glass damage (this may be an additional option), as well as coverage for damage from the loss of personal and office keys.
- Deliktunfähige Kinder – coverage of liability for children under 7 years of age, “children incapable of committing a crime.” This is a legal concept that means that children may be considered not responsible for committing crimes or delinquencies due to their age and lack of moral responsibility.
- Rental property damage – you are responsible for any damage in the rented apartment, so damage to the rented property should also be insured.
- Gefälligkeitsschäden – we recommend adding the option of protection against damage caused during the provision of assistance to avoid possible financial losses for your friends and acquaintances - for example, if, while helping your friend move, you accidentally break his TV.
- bad debt coverage – will protect you directly if the person who caused your damage does not have the financial capacity or insurance to reimburse your expenses.
- Damage when opening a car door – if you, as a passenger, open the door carelessly, the insurance company will pay for damage to someone else’s car. You won’t have to involve the driver’s car insurance, which will not lead to a decrease its SF-class (Schadenfreiheitsklasse).
Choosing an insurance company
To issue Privathaftpflichtversicherung It’s simple – we have selected the best rates from trusted companies. These are just some of the companies we work with. We select the best of the best based on many criteria - processing speed, percentage of successful payments, coverage and cost.
All indicated rates apply по всему миру and apply to small domestic animals (cats, rabbits, hamsters, etc.).
Prices are for family rates (family with children) and may differ depending on the source data. To calculate your personal insurance premium, click the “Apply” button.
Tariff: Einfach Besser
Tariff: Top
Cover amount
- 50 million €
Cover amount
- 50 million €
Lost keys, including office keys
- up to 500 €
Lost keys, including office keys
- up to 100 € (deductible 000 €)
Rented housing
- up to 10 million €
Rented housing
Property in rented housing
- up to 500 €
Property in rented housing
- up to 100 €
Leased and borrowed property
- up to 500 €
Leased and borrowed property
- up to 100 € (deductible 000 €)
Car rental in other EU countries (Mallorca-Police)
Car rental in other EU countries (Mallorca-Police)
Incorrect refueling of a rented vehicle
- up to 10 €
Incorrect refueling of a rented vehicle
Drones
Drones
- up to 500 grams
Damage to glass in rented accommodation
Tariff: Einfach Besser
Tariff: Top
Tariff: Exclusive
Tariff: Basic
Cover amount
- 50 million €
Cover amount
- 50 million €
Cover amount
- 50 million €
Cover amount
- 50 million €
Lost keys, including office keys
- up to 500 €
Lost keys, including office keys
- up to 100 € (deductible 000 €)
Lost keys, including office keys
- up to 100 €/up to 000 €
Lost keys, including office keys
- up to 25 €
Rented housing
- up to 10 million €
Rented housing
Rented housing
- up to 3 million €
Rented housing
Property in rented housing
- up to 500 €
Property in rented housing
- up to 100 €
Property in rented housing
- up to 30 €
Property in rented housing
- up to 25 €
Leased and borrowed property
- up to 500 €
Leased and borrowed property
- up to 100 € (deductible 000 €)
Leased and borrowed property
- up to 30 €
Leased and borrowed property
- up to 25 €
Car rental in other EU countries (Mallorca-Police)
Car rental in other EU countries (Mallorca-Police)
Car rental in other EU countries (Mallorca-Police)
Car rental in other EU countries (Mallorca-Police)
Incorrect refueling of a rented vehicle
- up to 10 €
Incorrect refueling of a rented vehicle
Incorrect refueling of a rented vehicle
Incorrect refueling of a rented vehicle
Drones
Drones
- up to 500 grams
Drones
- 15,90% (ZB = 1,30%)
Drones
Damage to glass in rented accommodation
The FINBER team is a licensed independent broker. The performance fee is a commission paid by the contracting company.
Why is liability insurance so important?
Personal liability insurance is one of the most important types of insurance. Why? Even a little carelessness can cause you to cause a lot of damage. It could be material damageand financial losses or injuries. In particular, if one or even few people, claim for damages can be calculated millions. And you are fully responsible under the law. Without personal liability insurance (private Haftpflichtversicherung), financial consequences can, at worst, endanger your normal existence.
For about 5 euros per month, you can insure yourself and your family in case of damage to third parties in the amount of 5 million euros or more.
This insurance policy guarantees protection from a third party claiming damages.
Recommended for families with children. It will protect in cases where the child breaks something in a public place, for example, hits a parked car with a bicycle or breaks a monitor or a window at school.
Important insurances in Germany
In this video we will talk about the main insurances in Germany - why they are needed and how to choose them.
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More Information
Hello, do I need to register a 249gram drone?
Hello.
You can read more about the rules for using a drone in article.
Drones weighing up to 250 grams do not need to be registered in Germany.
Hello! I'm from North Rhine.
Interested in information on Privathaftpflicht insurance (insurance against damage to third parties). I live with my elderly parents and an adult sister who suffers from bipolar disorder. During attacks, my sister can be very aggressive and deliberately damage property in a rented apartment. Do I need to report my sister’s illness when registering? Which company can provide such insurance? And can I apply for it now if I am on a mini-job and partially receive benefits?
Good afternoon,
You have a difficult situation.
We have created a request for insurance companies based on your case.
I'm sure we can find a suitable solution.
Best regards,
Svetlana and the Finber team
Good afternoon, when does insurance come into force from the moment it is issued? Is it necessary to wait?
Hello.
The insurance comes into force from the date of issuance.
Also an important aspect: it is necessary to wait for the first debiting of money, then the contract is considered legally concluded.