Private Liability Insurance - Private Liability Insurance

Private Liability Insurance

German insurance coverage (Private Haftpflichtversicherung) to cover you and your family against damages caused to third parties — Insurance plans are available from 4,29€/month. Cancel anytime!

Private Liability Insurance - Private Liability Insurance

Private Liability Insurance

German insurance coverage (Private Haftpflichtversicherung) to cover you and your family against damages caused to third parties — Insurance plans are available from 4,29€/month. Cancel anytime!

No Paperwork!

As from 4,29€/month!

Cancel Anytime!

Get insured within 60 seconds!

Your landlord may not rent you a flat if you don’t have any “Haftpflichtversicherung” (personal liability insurance).

Haftpflichtversicherung - Private Liability Insurance

WHY SHOULD YOU HAVE A PERSONAL LIABILITY INSURANCE IN GERMANY?

If you or your family caused an accidental damage to someone else, either property damage or injuries, that person (third party) could file a liability claim against you or your family.

In Germany, there is no limit on how much someone can claim against you for damages you may cause. You are also responsible for any damages your children or pets damage. At the same time, liability insurance also protects you against unjustified claims (i.e. if you are wrongly accused).

This is the reason, it is highly recommended to get a Private Liability Insurance (Privathaftpflichtversicherung).

Certain risks aren’t included in a liability insurance, such as damages caused by dogs (more details here) or horses, damages you caused to your own property (more details here) and damages or accidents while driving your car — for which you need a car insurance (Kfz-Versicherung).

No Deductible

“No deductible” simply means that our insurance partner Coya would start paying claims right away. In other words, the insurance company is going to pay the full bill.

For example, say you hurt someone with your bike or you spilled some wine on your friends carpet. In those cases, our insurance partner will protect you against the financial consequences that would normally follow with no deductible.

WHAT IS COVERED

Private Liability Insurance - Private Liability Insurance

INJURIES CAUSED TO OTHERS

If you cause a physical damage to someone else, you will be covered up to an insured sum of 30,000,000 euros. That’s the maximum amount you can receive in case a person makes a successful claim against you.

Private Liability Insurance - Private Liability Insurance

DAMAGES TO A RENTED PROPERTY

If you have accidentally caused a material damage to someone else’s rented property (rented flat, rented things or devices), you will be covered up to an insured sum of 30,000,000 euros.

Private Liability Insurance - Private Liability Insurance

BROKEN STUFF

If you damage or break things belonging to someone else (car or public transport damaged by your bike, broken tv after helping a friend moving in, etc.), you will be covered up to an insured sum of 30,000,000 euros.

Private Liability Insurance - Private Liability Insurance

LOST KEYS

If you loose the expensive keys of your rented apartment or you misplace your employer’s keycard/office access card, you will be covered up to an insured sum of 30,000,000 euros in order to buy new keys and/or, if necessary, replace the building’s locks.

Private Liability Insurance - Private Liability Insurance

PROTECTION AGAINST UNINSURED PEOPLE

In German: Forderungsausfalldeckung

If someone can’t pay for a physical or material damage they’ve caused you, you will also be covered up by this “Trade indemnity coverage”.

Private Liability Insurance - Private Liability Insurance

CATS & BIRDS LIABILITY INSURANCE

If your cat scratches some expensive furniture belonging to your landlord, it is considered your fault.

This coverage is often required by landlords to cover up damages caused by your tame pet to the rented property.

Private Liability Insurance - Private Liability Insurance

CO-INSURED PARTNER & KIDS (OPTIONAL)

If your kid damage stuff belonging to someone else, you will be covered up to an insured sum of 30,000,000 euros.

In your “Family Liability Plan”, you can include every family member registered at your address. 

Private Liability Insurance - Private Liability Insurance

DOG LIABILITY INSURANCE (OPTIONAL)

You are insured against financial claims of others for damages for which you are responsible as the owner, co-owner or guardian of your dog (i.e. your dog damages the walls of your rented apartment, etc.). This coverage is often required by landlords!

You can apply for the Dog Liability Insurance here. All is in English.

Private Liability Insurance - Private Liability Insurance

RENTED VEHICULES (OPTIONAL)

This add-on to the insurance take cares of the deductible if you cause damage to/ with a borrowed or rented vehicle.

This add assumes worldwide excess of fully comprehensive insurance in the event of accidents and damage with rented or borrowed vehicles

FACT:

85% of the population in Germany has Private Liability Insurance.

%

Get a Free Private Liability Insurance Quote

Private Liability Insurance policy (“Haftpflichtversicherung”) to protect you from claims for damages in case you injure another person. Cancel Anytime! 100% Online & in English!

Get a Free Dog Liability Insurance Quote

Dog Liability Insurance policy to protect you from claims for damages in case your dog injures another person or damages someone else’s property. Cancel Anytime! 100% Online & in English!

TOP SIX REASONS TO CHOOSE COYA AS YOUR PRIVATE LIABILITY INSURANCE PARTNER

1. Worldwide Coverage

You are protected wherever you go.

2. No Deductible

Coya pays the full bill and straight away.

3. No Paperwork

Everything is online. Go Green!

4. In English

The website is in English. Even the customer support & the contract are in English!

5. Flexible - Cancel Anytime

The termination of your contract is effective as soon Coya receives your notice, or from a later date (named by you).

6. Easy & Fast

Get insured online in 2 minutes. No confusion & total transparency!

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100% Digital & Transparent Private Liability Insurance

Headquartered in Berlin, Coya is a German BaFin-licensed insurance company with more than 60 experienced employees from 20 different countries. Coya is flexible and easy because freedom and safety go hand in hand.