Liability Insurance Germany

Looking for a drone insurance?
Both getsafe and helden.de offer a liability insurance with drone coverage. Check out the below article for more details.

Haftpflichtversicherung a.k.a. Liability Insurance – a must have in Germany

Last update: 11 October 2019

Have you ever come across the word “Haftpflichtversicherung” since you’re living in Germany? I hope you have! Because the “Haftpflichtversicherung”, in English “liability insurance” is definitely one of the most important insurances in Germany and an absolute must-have. Let’s first of all clarify what this insurance is about and why you should have one.

What is “Haftpflichtversicherung” or Liability insurance?

Per definition a liability insurance protects you from the risks of liabilities imposed by lawsuits and similar claims. Sounds complicated? Simply put, a liability insurance covers you in case you are held legally responsible for a negligent bodily injury or property damage. Here are some examples:

  • You’re bumping into someone at a bus stop and the person’s mobile drops to the ground, breaking the screen of the phone. You would be obligated to offset the damage. Fixing the damage or a new phone can easily cost you 500 EUR or more.
  • You’re cooking at a friends house and by accident you’re dropping a heavy mug on the ceramic glass cooktop damaging the cooktop. This can also easily cost 500 to 1,000 EUR….
  • You run over a pedestrian with your bike and the person breaks his/her leg. The treatment costs can easily run into thousands of Euros and you would have to pay for it! Not to mention permanent injuries and the financial obligations for that…

So as you can see, the liability insurance is an important, if not the most important, insurance in Germany. It is important to mention, that a liability insurance does not cover liabilities from injuries/damages caused while you are driving a car. For that you need a car insurance which is obligatory in Germany when you register a car.

At a glance – Liability Insurance Germany Overview

Below you will find a summary of liability insurance providers in Germany that offer good value for money and are easy to deal with.

coya
4.29 €per month
  • Service available in English
  • No "Selbstbeteiligung"
  • Completely online
getsafe
4.70 €per month
  • Service available in English
  • Optional family & drone insurance
  • Completely online
helden.de
6.00 €per month
  • Family insurance included
  • Drone insurance included
  • Completely online

Liability Insurance Germany – Detailed Overview

coya

coya liability insurance germanycoya is a new digital insurance company that is based in Berlin. It offers innovative insurance services especially to younger people. You can get your insurance policy from coya directly online within a few minutes and without any paperwork at all. Monthly rates are starting at just 4.29 EUR/month. Along with the possibility to cancel the insurance at any time and no additional payments (no “Selbstbeteiligung”), this is definitely one of the best packages on the market. Needless to say, that they of course offer their service also in English.

   Liability insurance starting from just 4.29 EUR/month
   Manage your insurance policy completely online (no paperwork)
   No fixed duration, can be cancelled at any time
   No additional payments (0 EUR Selbstbeteiligung)
   Service available in English

coya Liability Insurance


getsafe

getsafe liability insurance germanygetsafe is a relatively new start-up offering insurance solutions online. They started as an insurance broker platform originally but have introduced their own insurance policies recently. At getsafe you can get a liability insurance starting from 4.70 EUR per month. In addition you can extend coverage for your family and drones. You can easily insure yourself online within 5 minutes and manage your insurance policy digitally via the getsafe app. Furthermore their website/app is available in both English and German.

   Liability insurance starting from 4.70 EUR/month
   Optional family and drone insurance can be added

   Manage your insurance policy via app
   No fixed duration, can be cancelled at any time
   Service available in English

getsafe Liability Insurance


helden.de

helden liability insurancehelden.de is an insurance company that also focuses on digital insurance services. It only takes three minutes to obtain your insurance policy online and they have a one-price-for-all policy, meaning that the insurance covers yourself and your partner living in the same household. Furthermore the policy covers damages caused by drones. The monthly cost is 6 EUR and you can cancel it at any time meaning there is no fixed duration. They’re website is only available in German, however you can contact them via chat (chat bubble on the bottom right) and phone and their English-speaking staff will guide you through the process.

  Flatrate liability insurance for 6 EUR/month (including your partner & damages caused by drones)
  No fixed duration, can be cancelled at any time
  Only available in German (however good English-speaking customer service)

helden.de Liability Insurance


Summary – Liability Insurance Germany

Of course there are many more liability insurance providers on the market, but I hope this article gives you a good overview about the topic liability insurance in Germany. If you want to compare more policies you can check out this comparison calculator.


 

Disclaimer: This article reflects my personal opinion about the above mentioned insurance providers and their offered policies. I am not giving insurance advice nor am I working for the above mentioned companies. However the article contains affiliate links, meaning I earn a commission if you use those links.

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11 Comments. Leave new

  • Hi

    My previous landlord did not pay us our security though we returned the flat in a very good condition. Is there any insurance for this, because now we have paid even higher and want to make sure that we are not surprised by the landlord in the end?

    Reply
    • Dear Aditi,
      well there is something similar to an insurance… You could get a so-called “Mietkautionsversicherung” (security deposit insurance).
      Instead of paying the landlord the deposit upfront, you pay a yearly fee of approx. 5% of the security deposit to the insurance company. They then act as a guarantor for you towards the landlord. Should the landlord claim the deposit, the insurance company will verify with the land lord if the claim is justified.

      An insurance company offering this service is for example kautionsfrei.de

      Hope this helps!

      Best Regards,
      Dominik

      Reply
  • I upload videos on YouTube is that consider commercial? I don’t make any money yet on youtube, and I have 2 dji drones how much per month?

    Reply
    • Dear Mario,
      the drone insurance from getsafe costs an additional 1.32 EUR/month on top of the 4.70 EUR/month for the liability insurance (so in total 6.02 EUR/month). It covers your drones up to 5kg for non-commercial private use. If you do not generate any income from your videos I would not consider it as commercial use. However this is my personal opinion. To be on the safe side I recommend to check this directly with getsafe.

      Best Regards,
      Dominik

      Reply
  • Hey,
    Is damaging my own laptop or other electronics covered in the in the insurance?

    Thanks

    Reply
    • Dear Bhavya,
      no, a liability insurance only covers damages you have done to others.

      Regards,
      Dominik

      Reply
  • Hello
    Greetings
    Does liability insurance cover the replacement of locks in the building in case of lost key/keys? For e.g single key used in Keller, main door and your house. Now the key has been lost in Berlin. The landlord is asking to replacing the all locks. Does this insurance includes replacing the lock policy?

    Reply
    • Hi Wolf,
      yes, most liability insurances cover key loss. From the insurances presented in this article the coverage for replacing keys/locks is currently as follows:

      coya: up to 15,000 EUR
      getsafe: up to 50,000 EUR
      helden.de: up to 50,000,000 EUR

      Hope this helps!

      Best Regards,
      Dominik

      Reply
  • Hello I am traveling from new Zealand and am looking for liability insurance that will cover paragliding in all countries, is there a policy that will cover this?
    Thankyou.

    Reply
    • Hi Cody,
      although the liability insurances presented in this post give you worldwide protection, they can only be concluded by German residents. I therefore recommend that you get in touch with an insurance provider in New Zealand.

      Best Regards,
      Dominik

      Reply
  • David Simon
    June 4, 2019 11:53

    Very useful information – many thanks

    Reply

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