Best Liability Insurance in Germany [2024 List] - Navigate Germany

Germany is known for insurances and liability insurance is one of them. It is important to protect yourself even if you do a lot of care. You still can damage someone’s property by mistake or unintentionally, so have it for your protection.

Comparison of the Best Liability Insurance Companies

Real Life Scenario # 1

You are in a cafe and hear a familiar voice of your friend. You go to surprise you friend and accidentally spill coffee at your friend’s new phone. You are responsible for this damage and have to pay the repair cost. If you have liability insurance, you can call your provider to pay the costs.

Real Life Scenario # 2

You are in hurry and accidentally lock your bike to another person’s bike. That person have to go somewhere at every cost but you are also busy in your class or meeting. He has to book a taxi, so you are responsible for this financial loss. You liability insurance provider can pay on your behalf.

Real Life Scenario # 3

Your distraction while riding a bike, caused an accident and you bumped into somebody. The person fell down and his elbow broke. Your liability insurance provider can cover the medical bills.

Real Life Scenario # 4

You lost keys of your apartment and the landlord has to change the lock and pay the cost of new keys for all tenants. Your liability insurance provider is helpful by paying cost up to 1000 Euros.

Liability Insurance Coverage

✅ Mental or physical damage
✅ Unintentional damage to a rented apartment and building
✅ Property damage

No Coverage by Liability Insurance

⛔️ Damages caused by a pet (covered by pet insurance)
⛔️ Accident caused by driving (covered by car insurance)
⛔️ Unintentional damage to your own property (covered by home insurance)
⛔️ Business / self employment related damages (covered by business liability insurance)

Best Liability Insurance Providers in Germany

Here are the four best liability insurance providers;

Adam Riese

Adam Riese was established in 2017 with their personal liability insurance services. The company is part of Wüstenrot & Württembergische AG group. Currently, they have three plans and their price starts at €2.05 for coverage over €7.5 million.

Pros

✅ Cover drone usage through XXL plan
✅ Chat option on the website
✅ No deductible
✅ Support social causes
✅ Flexible Cancellation Policy

Cons

⛔️ German Website Only

Feather

Feather started their operations for expats in Berlin in 2018. Their system is very efficient and the process is very easy and smooth. They offer English services so internationals and expats can understand their plans easily. Their plan starts at €4,94 and covers up to €50 million. You can add your partner or children to yoru policy easily.

Pros

✅ Easy to find information
✅ English website ✅ Great customer support
✅ Coverage for everyone living with you (Partner, children)
✅ Chat option on website
✅ Flexible Cancellation Policy

Cons

⛔️ No coverage for drone

Getsafe

Getsafe established in 2015 in Heidelberg as an insurance broker. Later, they started offering services as an insurance provider. They were first to offer services through traditional insurance business. Their online process is very simple and easy. The cost of their premium cover is €2,94 per month for coverage up to €50 million. With this plan, you can get the purchase price of damaged item if it is not older than one year. You can add your partner or kids in your policy.

Pros

✅ Coverage up to €50 million
✅ English website ✅ Great customer support
✅ No deductible
✅ Drone liability available
✅ Flexible Cancellation Policy

Cons

⛔️ Access to services using native phone app only

Helden

Helden.de is a pioneer insurance provider offering coverage to private damages, loss of keys, bad debt losses, etc within Europe. Add your partner or kids whenever you want and secure your family. Sign up process on their website is very easy. Their cost is €76 per annum for coverage up to €50 million.

Pros

✅ Coverage for drone
✅ English website and customer support
✅ Coverage for everyone living with you (Partner, children)
✅ Chat option available in website
✅ Flexible Cancellation Policy
✅ Self-employed coverage, up to 20,000€ revenue / 6,000€ profit per year

Cons

⛔️ Access to services using native phone app only ⛔️ No english support
⛔️ 150 Euros deductible for every claim

Insurance Comparison Websites

It is always good to compare different insurance plans to make an informed decision. A number of comparison platforms are available where you can find insurance plan according to your needs. Filters are also available on few websites to make your selection easy. TarifCheck or Verivox are two best comparison platforms where you can get discounts and promotions.

Final Thought

So, after reading this guide, you have better idea about liability insurance providers. Getsafe offer largest number of perks as compared to other liability insurance providers in Germany. Their customer support is also very good and they have transparent policies. However, you can select any of the mentioned insurance provider to cater your needs.