The #1 essential insurance for expats living in Germany
Essential German Insurance
Why You Need Personal Liability Insurance in Germany
If you live in Germany, Personal Liability Insurance (Privathaftpflichtversicherung) is widely considered the absolute must-have coverage. While not legally mandatory, almost every German has it—and for a very good reason.
The Risk: Unlimited Personal Liability
According to the German Civil Code (BGB), if you accidentally cause harm to another person or damage their property, you are personally liable with all your current and future assets. There is no upper limit. A simple moment of carelessness—like causing a cyclist to swerve and crash—can lead to financial ruin. Personal Liability Insurance protects you from these claims.
Our Service for Expats & Internationals
'Best-Option' Guarantee
We independently select top-tier providers (like Haftpflichtkasse) offering a "Best Performance Guarantee".
Highly Affordable: Coverage often starts around €44 to €61 per year for families (singles pay even less).
No extra broker fees—costs are fully covered by the regular premium.
Expat-Friendly Conditions
English Support: Official docs are in German, but we provide an AI-generated summary in English.
Claim Assistance: In the event of a claim, our team supports you in English, German, French, or Spanish.
Leaving Germany? Relocating abroad is always accepted as a valid reason for immediate cancellation.
Get Covered in Just 3 Minutes
Don't take unnecessary risks. Use our streamlined, translated digital application form to secure your premium personal liability coverage today. 100% paperless.