{"id":33768,"date":"2023-10-02T19:50:16","date_gmt":"2023-10-02T18:50:16","guid":{"rendered":"https:\/\/vasistdas.de\/?page_id=33768"},"modified":"2025-11-27T11:51:26","modified_gmt":"2025-11-27T09:51:26","slug":"liability-insurance-in-germany","status":"publish","type":"page","link":"https:\/\/vasistdas.de\/en\/liability-insurance-in-germany\/","title":{"rendered":"Liability insurance in Germany"},"content":{"rendered":"\n<p class=\"gb-text\">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).<\/p>\n\n\n\n<h2 class=\"gb-text\">Why is liability insurance in Germany necessary?<\/h2>\n\n\n\n<p class=\"gb-text\">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.<\/p>\n\n\n\n<h2 class=\"gb-text\">Let&#8217;s get in touch<\/h2>\n\n\n<script>\nvar gform;gform||(document.addEventListener(\"gform_main_scripts_loaded\",function(){gform.scriptsLoaded=!0}),document.addEventListener(\"gform\/theme\/scripts_loaded\",function(){gform.themeScriptsLoaded=!0}),window.addEventListener(\"DOMContentLoaded\",function(){gform.domLoaded=!0}),gform={domLoaded:!1,scriptsLoaded:!1,themeScriptsLoaded:!1,isFormEditor:()=>\"function\"==typeof InitializeEditor,callIfLoaded:function(o){return!(!gform.domLoaded||!gform.scriptsLoaded||!gform.themeScriptsLoaded&&!gform.isFormEditor()||(gform.isFormEditor()&&console.warn(\"The use of gform.initializeOnLoaded() is deprecated in the form editor context and will be removed in Gravity Forms 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class='gform_required_legend'>&quot;<span class=\"gfield_required gfield_required_asterisk\">*<\/span>&quot; indicates required fields<\/p>\n                        <\/div><form method='post' enctype='multipart\/form-data' target='gform_ajax_frame_27' id='gform_27' class='wpforms-form' action='\/en\/wp-json\/wp\/v2\/pages\/33768#gf_27' data-formid='27' novalidate>\t\t\t\t\t<div style=\"display: none !important;\" class=\"akismet-fields-container gf_invisible\" data-prefix=\"ak_\">\n\t\t\t\t\t\t<label>&#916;<textarea name=\"ak_hp_textarea\" cols=\"45\" rows=\"8\" maxlength=\"100\"><\/textarea><\/label>\n\t\t\t\t\t\t<input type=\"hidden\" id=\"ak_js_1\" name=\"ak_js\" value=\"31\" \/>\n\t\t\t\t\t\t<script>\ndocument.getElementById( \"ak_js_1\" ).setAttribute( \"value\", ( new Date() ).getTime() );\n<\/script>\n\n\t\t\t\t\t<\/div>\n                        <div class='gform-body gform_body'><div id='gform_fields_27' class='gform_fields top_label form_sublabel_below description_below validation_below'><div id=\"field_27_16\" class=\"gfield gfield--type-honeypot gform_validation_container field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_16'>LinkedIn<\/label><div class='ginput_container'><input name='input_16' id='input_27_16' type='text' value='' autocomplete='new-password'\/><\/div><div class='gfield_description' id='gfield_description_27_16'>This field is for validation purposes and should be left unchanged.<\/div><\/div><div id=\"field_27_1\" class=\"gfield gfield--type-hidden gfield--input-type-hidden gform_hidden field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><div class='ginput_container ginput_container_text'><input name='input_1' id='input_27_1' type='hidden' class='gform_hidden'  aria-invalid=\"false\" value='' \/><\/div><\/div><div id=\"field_27_14\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-third gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><table align=\"center\" border=\"0\" cellpadding=\"1\" cellspacing=\"1\" style=\"height:100%; width:100%\">\n\t<tbody>\n\t\t<tr>\n\t\t\t<td style=\"text-align:center\"><img decoding=\"async\" alt=\"\" src=\"https:\/\/vasistdas.de\/wp-content\/uploads\/2022\/02\/Allianz_transparent_logo.png\" style=\"max-height:84px; width:auto\" \/><\/td>\n\t\t<\/tr>\n\t<\/tbody>\n<\/table><\/div><div id=\"field_27_15\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-two-thirds gfield_html gfield_html_formatted gfield_no_follows_desc field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  >Fill out the form to get your insurance offer from Allianz Germany. You will be able to <strong>speak in English<\/strong>. Don&#39;t forget to request an <strong>additional insurance discount of up to 10% for Vasistdas<\/strong>.<\/div><div id=\"field_27_12\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_12'>Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_12' id='input_27_12' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_27_13\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_13'>Surname<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_text'><input name='input_13' id='input_27_13' type='text' value='' class='large'     aria-required=\"true\" aria-invalid=\"false\"   \/><\/div><\/div><div id=\"field_27_5\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-half gfield_contains_required field_sublabel_below gfield--has-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_5'>Mobile number<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_phone'><input name='input_5' id='input_27_5' type='tel' value='' class='large'   aria-required=\"true\" aria-invalid=\"false\" aria-describedby=\"gfield_description_27_5\"  \/><\/div><div class='gfield_description' id='gfield_description_27_5'><p><span style=\"font-size: 13px; margin: 0; padding: 0;\">Enter your mobile phone number, preferably your WhatsApp number, <span style=\"text-decoration: underline;\">including the country code<\/span>. For example, +4915112345678 for Germany or +905351234567 for Turkey.<\/span><\/p><\/div><\/div><div id=\"field_27_4\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-half gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><label class='gfield_label gform-field-label' for='input_27_4'>E-mail address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class='ginput_container ginput_container_email'>\n                            <input name='input_4' id='input_27_4' type='email' value='' class='large'    aria-required=\"true\" aria-invalid=\"false\"  \/>\n                        <\/div><\/div><fieldset id=\"field_27_10\" class=\"gfield gfield--type-checkbox gfield--type-choice gfield--input-type-checkbox gfield_contains_required field_sublabel_below gfield--no-description field_description_below field_validation_below gfield_visibility_visible\"  ><legend class='gfield_label gform-field-label gfield_label_before_complex' >Terms and conditions<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/legend><div class='ginput_container ginput_container_checkbox'><div class='gfield_checkbox ' id='input_27_10'><div class='gchoice gchoice_27_10_1'>\n\t\t\t\t\t\t\t\t<input class='gfield-choice-input' name='input_10.1' type='checkbox'  value='For the free insurance offer, I authorize Vasistdas and the insurance company to process and store my data and to contact me regarding the insurance offer.'  id='choice_27_10_1'   \/>\n\t\t\t\t\t\t\t\t<label for='choice_27_10_1' id='label_27_10_1' class='gform-field-label gform-field-label--type-inline'>For the free insurance offer, I authorize Vasistdas and the insurance company to process and store my data and to contact me regarding the insurance offer.<\/label>\n\t\t\t\t\t\t\t<\/div><\/div><\/div><\/fieldset><\/div><\/div>\n        <div class='gform-footer gform_footer top_label'> <input type='submit' id='gform_submit_button_27' class='gform_button button' onclick='gform.submission.handleButtonClick(this);' data-submission-type='submit' value='Send'  \/> <input type='hidden' name='gform_ajax' value='form_id=27&amp;title=&amp;description=&amp;tabindex=0&amp;theme=orbital&amp;styles=[]&amp;hash=d64d39ec940c157233ea19ebe25de776' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submission_method' data-js='gform_submission_method_27' value='iframe' \/>\n            <input type='hidden' class='gform_hidden' name='gform_theme' data-js='gform_theme_27' id='gform_theme_27' value='orbital' \/>\n            <input type='hidden' class='gform_hidden' name='gform_style_settings' data-js='gform_style_settings_27' id='gform_style_settings_27' value='[]' \/>\n            <input type='hidden' class='gform_hidden' name='is_submit_27' value='1' \/>\n            <input type='hidden' class='gform_hidden' name='gform_submit' value='27' \/>\n            \n            <input type='hidden' class='gform_hidden' name='gform_currency' data-currency='EUR' value='4ECtT8IaM80JpdC73MMUvntuH6B\/3CxXC3GeqkmfcrDgnP5sK72W1BlTujqqqqqMliI0AiZhGRQOcI81GSEC8H33GUmYGlEEDr5khcaIGno8PHs=' \/>\n            <input type='hidden' class='gform_hidden' name='gform_unique_id' value='' \/>\n            <input type='hidden' class='gform_hidden' name='state_27' value='WyJ7XCIxMC4xXCI6XCIyMmViYTRjNTVjZGYwYjY3Mjk0Y2JiYzYyOTlhODBiYlwifSIsIjdjNjJhN2ZlODZjMzgxMWU5N2RhOWFkMzNjODlmYmJmIl0=' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_target_page_number_27' id='gform_target_page_number_27' value='0' \/>\n            <input type='hidden' autocomplete='off' class='gform_hidden' name='gform_source_page_number_27' id='gform_source_page_number_27' value='1' \/>\n            <input type='hidden' name='gform_field_values' value='' \/>\n            \n        <\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style='display:none;width:0px;height:0px;' src='about:blank' name='gform_ajax_frame_27' id='gform_ajax_frame_27' title='This iframe contains the logic required to handle Ajax powered Gravity Forms.'><\/iframe>\n\t\t                <script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 27, 'https:\/\/vasistdas.de\/wp-content\/plugins\/gravityforms\/images\/spinner.svg', false );jQuery('#gform_ajax_frame_27').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = contents.indexOf('GF_AJAX_POSTBACK') >= 0;if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_27');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_27').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! 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To cover the financial damages resulting from the bicycle accident, Emily utilized her liability insurance, which was dependent on her policy.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Breaking a television: <\/strong>While helping his friend move over the weekend, John accidentally dropped and broke his friend&#8217;s smart television. Depending on his policy, John used his liability insurance to cover his friend&#8217;s damages.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Becoming unable to work:<\/strong> 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&#8217;s inability to work.<\/li>\n<\/ul>\n\n\n\n<p class=\"gb-text\">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.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 &#8230; <a title=\"Liability insurance in Germany\" class=\"read-more\" href=\"https:\/\/vasistdas.de\/en\/liability-insurance-in-germany\/\" aria-label=\"Read more about Liability insurance in Germany\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-33768","page","type-page","status-publish"],"_links":{"self":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/pages\/33768","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/comments?post=33768"}],"version-history":[{"count":0,"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/pages\/33768\/revisions"}],"wp:attachment":[{"href":"https:\/\/vasistdas.de\/en\/wp-json\/wp\/v2\/media?parent=33768"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}