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{"id":39095,"date":"2019-10-06T14:35:04","date_gmt":"2019-10-06T11:35:04","guid":{"rendered":"https:\/\/liveworkgermany.com\/?page_id=39095"},"modified":"2021-02-12T19:15:38","modified_gmt":"2021-02-12T17:15:38","slug":"personal-liability-insurance-germany","status":"publish","type":"post","link":"https:\/\/liveworkgermany.com\/personal-liability-insurance-germany\/","title":{"rendered":"Liability Insurance in Germany: What it is, Why You Need it"},"content":{"rendered":"

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Personal liability insurance in Germany covers you against any accidental damages or losses which are a direct cause of your actions.<\/p>\n

Once you\u2019re settled in Germany, arranging cover for this is something we’d highly recommend.<\/p>\n

It might not seem like a huge priority, but we\u2019ll explain why it pays to have liability insurance in Germany – especially considering German culture, and attitudes towards money and personal liability! We\u2019ll also look at how to apply and what you should expect to spend.<\/p>\n

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\n[\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”3.25″][et_pb_column type=”4_4″ _builder_version=”3.0.47″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”intro” _builder_version=”4.7.6″ text_orientation=”justified” z_index_tablet=”500″]<\/p>\n

To save you another bureaucratic hassle, we\u2019ve teamed up with our partners\u00a0Coya<\/a> and Lemonade<\/a>.<\/p>\n

Both of these companies are innovative and fresh, offering this insurance at very competitive prices compared to the market.<\/p>\n

They both distance themselves from the old-school, ultra conservative German insurance providers, all of whom demand minimum 1 year contract tie-ins and limited opportunities to cancel.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.0.7″ background_color=”#e8e8e8″ custom_margin=”2vw||2vw||true|false” box_shadow_style=”preset1″ box_shadow_vertical=”0px” box_shadow_blur=”12px” box_shadow_spread=”2px” box_shadow_color=”rgba(0,0,0,0.5)”][et_pb_column type=”1_2″ _builder_version=”4.0.7″][et_pb_text _builder_version=”4.7.6″ custom_margin=”|||20px|false|false” link_option_url=”https:\/\/financeads.net\/tc.php?t=31942C229750644T” link_option_url_new_window=”on”]<\/p>\n\n\n\n\n\n\n\n\n\n
\"coya<\/a><\/td>\n<\/tr>\n
\"trusted\"<\/td>\nApply online in English<\/td>\n<\/tr>\n
\"trusted\"<\/td>\nZero deductibles (excess)<\/td>\n<\/tr>\n
\"trusted\"<\/td>\nCancel anytime<\/td>\n<\/tr>\n
\"trusted\"<\/td>\nGet confirmation in just a few minutes<\/td>\n<\/tr>\n
\"trusted\"<\/td>\n\u20ac30 million coverage limit<\/td>\n<\/tr>\n
\"trusted\"<\/td>\nCoverage from \u20ac4.29 a month (for comprehensive levels of coverage)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/financeads.net\/tc.php?t=31942C229750644T” url_new_window=”on” button_text=”Get Quote!” button_alignment=”center” _builder_version=”4.7.6″ custom_button=”on” button_text_size=”22px” button_text_color=”#ffffff” button_bg_color=”#2ba3ff” button_border_width=”0px” button_border_radius=”10px” button_font=”Roboto||||||||” custom_margin=”30px|25px|10px|25px|false|true” custom_padding=”10px|20px|10px|20px|true|true” box_shadow_style=”preset1″ box_shadow_vertical=”0px” box_shadow_blur=”10px” box_shadow_spread=”2px” box_shadow_color=”rgba(0,0,0,0.5)”]
\n[\/et_pb_button][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.0.7″][et_pb_text _builder_version=”4.7.6″ custom_margin=”|||25px|false|false” link_option_url=”https:\/\/www.financeads.net\/tc.php?t=31942C277454974T” link_option_url_new_window=”on” locked=”off”]<\/p>\n\n\n\n\n\n\n\n\n\n
\"\"<\/a><\/td>\n<\/tr>\n
\"trusted\"<\/td>\nApply online in English<\/td>\n<\/tr>\n
\"trusted\"<\/td>\nChoose levels of deductibles<\/td>\n<\/tr>\n
\"trusted\"<\/td>\nCancel anytime<\/td>\n<\/tr>\n
\"trusted\"<\/td>\nGet confirmation in just a few minutes<\/td>\n<\/tr>\n
\"trusted\"<\/td>\n\u20ac10 million coverage limit<\/td>\n<\/tr>\n
\"trusted\"<\/td>\nCoverage from just \u20ac2.00 a month<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

[\/et_pb_text][et_pb_button button_url=”https:\/\/www.financeads.net\/tc.php?t=31942C277454974T” url_new_window=”on” button_text=”Get Quote!” button_alignment=”center” _builder_version=”4.7.6″ custom_button=”on” button_text_size=”22px” button_text_color=”#ffffff” button_bg_color=”#2ba3ff” button_border_width=”0px” button_border_radius=”10px” button_font=”Roboto||||||||” custom_margin=”30px|25px|10px|25px|false|true” custom_padding=”10px|20px|10px|20px|true|true” box_shadow_style=”preset1″ box_shadow_vertical=”0px” box_shadow_blur=”10px” box_shadow_spread=”2px” box_shadow_color=”rgba(0,0,0,0.5)”]
\n[\/et_pb_button][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”3.25″ custom_padding=”50px|||||”][et_pb_column type=”4_4″ _builder_version=”3.0.47″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Examples of why you need it” _builder_version=”4.5.7″ text_orientation=”justified” z_index_tablet=”500″]<\/p>\n

Liability insurance: a (very affordable) necessity<\/h2>\n

First though, let\u2019s run through a few reasons why you might be thankful you have this cover in place.<\/p>\n

Let\u2019s run through a couple of examples:<\/p>\n

Example 1:<\/span><\/strong>
You\u2019re at a house party and you accidentally spill coffee or red wine onto your host\u2019s expensive Persian rug. Your insurance would cover the cost of the dry cleaning bill, or worse, the cost of a new rug if the stains can\u2019t be removed.<\/strong><\/p>\n

Example 2:<\/span><\/strong>
A friend of mine went to a pool hall after drinking a few beers and accidentally ripped the green baize covering on the pool table. Because he had personal liability insurance, he did not receive a bill from the owner for several hundred Euro to repair the damage.<\/strong><\/p>\n

Example 3:<\/span><\/strong>
On a weekend away with your partner, you accidentally drop a heavy object like an iron onto the parquet floor in your Airbnb, scratching and denting the wood. The owner of the property threatens to sue you for the damages, which could be hundreds of Euro (German tradesmen are expensive!)<\/strong><\/p>\n

All of these are perfectly legitimate reasons (in the eyes of the law at least) to pursue you for the financial losses incurred.<\/p>\n

Most Germans would consider it completely normal behaviour to ask the person who caused the damages for compensation.<\/p>\n

Whether or not it was an accident is viewed as irrelevant. Virtually everyone has liability insurance in Germany, and so it\u2019s assumed that the person being asked to compensate would not end up being hundreds of Euro worse off.<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”3.25″][et_pb_column type=”4_4″ _builder_version=”3.0.47″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_text admin_label=”Do I really need it?” _builder_version=”4.5.7″ text_orientation=”justified” z_index_tablet=”500″ text_text_align=”justify”]<\/p>\n

Is it REALLY<\/em> so essential to have personal liability insurance in Germany?<\/b><\/h3>\n

 <\/p>\n

You might be thinking “but why do I need this insurance? I didn’t have anything like it in my home country”.<\/p>\n

A perfectly sensible question.<\/p>\n

Firstly, Germany’s legal system makes it very simple to sue if you cause minor accidental damages that have inflicted a financial loss unto another person or entity.<\/p>\n

Secondly, many Germans have legal insurance<\/a>, making it relatively easy to sue someone at will, without being impacted by prohibitively high legal costs.<\/p>\n

Finally, a lot of this is cultural.<\/p>\n

If you’ve accidentally caused a situation which could impact another individual financially, you’re expected to take responsibility and financially recompense the losses which they have incurred.<\/p>\n

The live and let live<\/em> philosophy isn’t really pervasive in German culture when it comes to anything financial. Germans have a more black-and-white attitude towards how they view money<\/a> and personal responsibility than most other cultures.<\/p>\n

I’m not saying it’s good or bad per se<\/em>, it’s just very different to cultures in other parts of the world, and something you will definitely need to get used to if you live in Germany.<\/p>\n

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What does liability insurance in Germany cost and how can I apply?<\/b><\/h3>\n

 <\/p>\n

We’ve partnered up with Coya<\/a> and Lemonade<\/a> <\/span>\u00a0to provide this cover, who offer very comprehensive cover from \u20ac4.29 per month.<\/p>\n

We’re happy to recommend both of these providers because:<\/span><\/p>\n