What is Haftpflichtversicherung, and what does it cover?

What is Haftpflichtversicherung, and what does it cover?

If you cause an accident in Germany, you can be sued by the victim. If the victim wins, you will have to pay reparations1. A lawsuit like that can easily ruin you.

Liability insurance (Haftpflichtversicherung) protects you from such damage claims. If you cause an accident, your insurance company will pay the legal fees and the reparations.

Personal liability insurance

Personal liability insurance (Privathaftpflichtversicherung) protects you from most claims against you1:

Some insurance policies will cover these accidents:

Most insurance policies do not cover these accidents:

Private liability insurance is really important, so most Germans have it. It costs less than 5€ per month. Use Tarifcheck to compare liability insurance options. Popsure and Coya offer liability insurance for 4€ per month. Both cover lost keys. They are both based in Berlin, and they speak English.

Professional liability insurance

Professional liability insurance (Betriebs- and Berufshaftpflichtversicherung) protects freelancers, tradesmen and businesses against liability claims. Your insurance will protect you from liability claims related to your job.

If you are an employee, you do not need professional liability insurance. You are already covered by your employer's insurance1.

Some professions are required to have liability insurance1:

Legal protection insurance

Legal insurance (Rechtsschutzversicherung) will cover your legal fees when you are not being sued for damages. For example, if you hire a lawyer to sue your landlord, your Rechtsschutzversicherung will cover his fees. In most cases, this insurance is not worth it.

Liability insurance for drivers

When you drive a vehicle, you are covered by your car's insurance (Kfz-Haftpflichtversicherung). All cars in Germany need to be insured, so you are covered. Rental vehicles contracts usually include liability insurance.

Which liability insurance should I pick?

Use Tarifcheck to compare liability insurance options. Popsure and Coya offer liability insurance for 4€ per month. They are both based in Berlin, and they speak English.

Pick a liability insurance that covers lost keys. Replacing a lost key can be very expensive.