Liability insurance in Germany

In Germany, third-party liability insurance (Haftpflichtversicherung), i.e. personal liability insurance, is a type of insurance that protects you against material and bodily harm that you may cause to third parties as a result of negligence or recklessness. In Germany, liability insurance is one of the most preferred types of insurance. According to the 2018 GDV survey by the Statistisches Bundesamt, 83% of households in Germany have personal liability insurance (Haftpflichtversicherung).

Why is liability insurance in Germany necessary?

Liability insurance protects you from potential financial risks by covering property damage and personal liabilities that you accidentally cause. Furthermore, according to German law, this type of insurance helps you maintain your quality of life and comply with legal requirements.

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Insurance coverage example

• Bicycle injury: Emily was riding her bicycle on the streets of Germany when she accidentally collided with and injured another person. To cover the financial damages resulting from the bicycle accident, Emily utilized her liability insurance, which was dependent on her policy.

• Breaking a television: While helping his friend move over the weekend, John accidentally dropped and broke his friend’s smart television. Depending on his policy, John used his liability insurance to cover his friend’s damages.

• Becoming unable to work: Lily was walking down the street when she accidentally collided with a person making a mail delivery, causing that person to fall and break his leg. This individual will be unable to work for some time. Depending on her policy, Lily used her liability insurance to cover the damages incurred by this individual’s inability to work.

Sample coverages above represent liability insurance for expats in Germany and varies depending on the insurance company and tariff type. The applicable coverage is specified in your insurance tariff.