Understand The Popular Private Liability Insurance In Germany
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- เผยแพร่เมื่อ 5 ก.ค. 2024
- Liability Insurance in Germany is a must-have. We explain in detail why and where you can get it.
✍️ Written Guide Explaining Private Liability Insurance in Germany
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🔥 Getsafe Private Liability Insurance
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With our special Getsafe code SIMPLEGERMANY15, you even get a 15 euros discount.
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⏰ Timestamps:
00:00 - Introduction
00:24 - What is Private Liability Insurance?
01:13 - Why do you need Private Liability Insurance in Germany?
09:10 - What does Private Liability Insurance cover?
09:49 - What does Private Liability Insurance NOT cover?
10:45 - Best Liability Insurance Providers for English Speakers
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We know how frustrating and painful it might be to move to a new country, especially if you don't fully speak the language. That's why we created Simple Germany.
Simple Germany provides tips & information in English about living in Germany as an expat. We talk about services that are friendly and easy to use to beat German bureaucracy. We also cover the cultural aspects of living in Germany. All of this brought to you from the eyes of an expat and a German duo. We want to help you settle in Germany more smoothly.🍻
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![Best 5 Liability insurance in Germany [ Haftpflichtversicherung ]](http://i.ytimg.com/vi/-8WrzQVo-Hs/mqdefault.jpg)
So good to see you again. Yet another helpful video
You're absolutely amazing! Thank you for all the information. I am in the middle of my relocation to Berlin and your vieos are very helpful!
Timely upload for me.
Great thanks
I am lucky to have seen this video and got the insurance immediately. Now, I personally feel this should be rather mandatory insurance!
As a matter of fact, many foreigners don't know about this only because it is optional.
Thanks again!
You're absolutely amazing! Thank you for all the information.
Hi there, greets from Poland! Came here from Understanding train station:) I totally do not need to settle in DE (I love, work in Poland and do not plan to move) but I find your content sooo interesting, funny and cute way that I really appreciate it! Keep on, bests!!:)
Thank you so much for so informative video! I was literally kicking my head for almost a month about this insurance kinda thinking it will cost me a fortune 😂 and not really getting simple understandable informations about it. At least I will be able to sleep calmer at night now. 😂 Your TH-cam channel is definitely the most useful thing I could find on the internet during this crazy period of adjusting to Germany. Thanks for your efforts and keep making amazing videos! 💛
I even have a Ausfalldeckung at my Haftpflichtversicherung.
So, if the person who cause a damage to me won t have a liability insurance or haven t enough money, my one will cover.
This is good to have, yes. But please read your "Allgemeine Versicherungsbedingungen" if there is a minimum claim of 2.000 Euro in your contract and what you have to do in advance to get that Forderungsausfalldeckung. In most cases you need an official letter from the german court ("Tittel") that the guy is bankrupt, wich means that you are in trouble first.
Come on, Yvonne, that key frame pic for this video is fantastic! :). Well done.
Hello Jen and Yvonne. Your videos have been truly helpful, and I've benefited a lot from both of you. I don't usually comment on TH-cam, but thought I'd drop a small thank you message for all your hard work and detailed explanation. Wishing you the best :)
Thank you so much for leaving your beautiful comment 😊
Very much needed Versicherung
I knew in Germany they have an insurance for everything, but this one is the most important one to get. a few month's ago after getting into our apartment, we got an insurance and I didn't know if it was the insurance that if you hurt someone else it will cover for you, or is it the one which if something of you get damaged they will fix it!
I saw this video and I got stressed and went on and found my paperwork. I can't beleive it! 50million Euro liability for only 70 Euro a year! and it's this insurance you guys are talking about in this video. I think I need to get the other insurance about my own stuff being damaged, but I think that's not as urgent as this one! thanks for reminding me :)
hey Jen, Yvonne, Listening to your videos is like listening to some friends, simple words to covey, no exaggeration. I appreciate you for it. Thanks
Just read your coffee donation. Super kool. I would really like to invite you guys for an Indian-style spicy dinner with the wine of your choice. So you are most welcome 😄
Thank you for all your very informative videos. I'm taking a web developer course and studying Germany on Duolingo. Hope to make the move there in early 2023. Researching areas that would best fit my needs.
Although I’m no where near an expert in German, I would suggest you to not rely only on Duolingo. Taking a course or watching a playlist is much better imo, as in the latter you get to learn the grammar as well. Just my 2 cents and All the Best!
@@nabeelahsan504 I agree actually in the shortcomings of Duolingo. Is there online courses or playlists you could recommend?
@@michaels2208 Hey Michael, I just saw your comment and instantly got 'worried' virtually for you talking about your serious plans about Germany and then Duolingo. Now, it really depends on where do you find yourself currently in learning the language. Back in the day I've done a lot of Duolingo, and in fact that included for me some portion of lost time and nerves. 😅 It's a fun and fine option for absolute starters. The reply above is 100% true about it, however bear in mind that when using it through the web browser (instead of the phone app) it does provide every now and then grammar explanations, but they will only make you wanna cry about how to make sense of German grammar.. 😅ok, I hate to say this, but it's true, at least for me it was. If you have watched some earlier videos here, Jen goes int some details of her experience and then taking a Lingoda course - the very right decision for someone like you. You can additionally boost your understanding grammar, and I really mean Understanding it, through Anja Winter, she's an amazing teacher and her channel Learn German With Anja did help me big time (and she makes all her viewers actually type in German in the comments, the answers to her questions, which I regret not doing then😆) This is only by assuming you are below or at least reaching B1 level, and this is my take on how to stop scratching your head in desperation, what I've dne a lot with Dulingo. 🙃
@@fannychristozova8158 thank you. I looked her up and will definitely follow your advice. I have studied both Spanish, Korean and Arabic so I recognized the need for more instruction. I wasn't sure where to look and was hoping for guidance. Thank you for being my hero
@@michaels2208 "Thank you for being my hero"? Ok...
Spanish, Korean, Arabic and now German...? Sounds like you're not so sure about what you want, and maybe a bit too... (I don't mean to be rude or insult you) let's say a dreamer, judging by the "hero" part... Life is a lot of the time hard! If you need a reality check or inspiration, take a look at the war in Ukraine and at the ukrainians that are suffering and fighting for their country and for liberty in general!
Didn't really know about liability insurance until I watched this vid (also was gone from YT coz exams). Now I'm considering getting one myself. Great vids you two!
Cool! How were your exams?
@@simplegermany Ah exams went well thanks for asking! Gonna travel a bit during my vacation. And I just got my liability insurance (which before today was an alien concept and something a lot of SE Asians would never get 😛) So now I have one less thing to worry about!
I learnt about private liability insurance around a month after moving to Germany. When I did, I bought it the same evening and went to sleep immediately after, so that I won't cause any damage before it starts covering me after midnight 🤣🤣
😅
I wish there were such a great channel like yours about other countries that we nomads are thinking of moving in
Simple France, Simple Italy, Simple Canada... Yeah, that might one day become an awesome expansion, it has crossed my mind - just like Cari and Janusz of "Easy German" forged and paved the way for so many other channels of similar fashion with the same design and concept. Of course the girls will have to hold the license for all these. On the other hand, digital nomads are not exactly the type who look to settle into life in [some place] more smoothly. 🤩
Who knows what the future holds 😉 as of now we have enough on our plate with Simple Germany 😝
@@simplegermany Yes, I know and I cherish you a lot for that! But you know, I'm Aquarius, you should understand when my brain goes into flashes to a bit further future. 🤣🤣
I'm planning my move to Germany from Argentina and your videos have been very useful!
I have some suggestions for future videos:
- Birthdays in Germany (what do you eat, do you invite people to your house or meet at a place?, gifts, do you send cards?)
- Partying in Germany (times, pregame, etc)
- election system and a brief explanation of the parliament would be very useful (this in my case would be especially useful, because I was born and raised in Argentina but also have the German citizenship so Ican vote. But also is very important to expats living in Germany to understand the political affairs of the country they lived in)
- Integration Course: there is this course that you can do if you are moving to Germany in which they teach you German and different stuff about Germany. Sometimes is mandatory to do it but in most cases it isn't. But I haven't been able to find much information about it than what I've just told you. I think would be very useful if you can do a video explaining how do I sing up, fees, how must take the course, etc.
Again, I am very grateful for all of your videos!!
Hey Agus, thank you so much for your feedback and suggestions. We have added them to the list of videos to possible record in the future! ☺️
I love your channel. Ich liebe Ihr Kanal
I have one for my family (beeing a german italian), tridet once to use it
Omg, finally someone explained why if I cause someone physical damage - it's not necessarily covered by the regular health insurance of that person! I've been wondering about it for so long, didn't make any sense to me, thanks so much!
I've also faced the same reactions as Jen when I told people I didn't have such an insurance :D I of course have it now and it hasn't come to using it so far, phew :D But we did damage a curtain that belonged to the landlord and now he wants to subtract the cost of it from the deposit, and of course it turned out to be a specially made fancy-ass curtain, so I dunno, maybe we will tell him alright, give us a receipt or something and our insurance will cover it. We'll see, but good to know you have insurances, to at least use as leverage sometimes! (we also have legal insurance and we will totally use this fact in our dispute with him)
Glad we were able to answer the question for you too!
Uf...that curtain thing sounds something that the private liability insurance might help you out with. Definitely ask and see if they could cover it. Look at you being all prepared with a legal insurance as well! I think it's safe you are on a good path to being fully integrated in Germany 😅.
can you make a video of things that couples or with you partner should consider getting together instead of individually?
wowww....so informative....
Loved the Thumbnail 😂😂😂 whose idea was that? 😁
hehe thanks! It was both of ours. We went to our first aid box to see what we could find 😅
@@simplegermany hehe, you both are the best and cutest! God bless you both!!!
I moved to Germany recently, and felt more informed after each of your videos. 🤗
Very informative ..
Does this insurance covers accidents done using one of the "Car Sharing" services (e.g Miles)?
I dont have a car and I dont want to buy one but I use car sharing from time to time, should I have a specific type of insurance there?
Thanks ..
Usually the cars that belong to a car-sharing service have insurance provided by the company. You can always read their terms and conditions or contact their customer service for more details.
The idea for the private liability insurance in Germany is that most people here will be more or less law-abiding, don't want to cause damage, pain and suffering out of sheer fun and audacity.
So the premiums for such an insurance will be very low. But if you get known as a roudy customer willing to take extreme risks just for the fun of it, going around damaging property and injuring other people out of neglect or even intentionally, then you will either have massive increases to your private liability insurance premiums, or you will actively be kicked out by them for multiple proven intent.
Basically don't be a psychopath and you can have pretty much peace of mind that you will be burdened with outrageous liability costs for a very affordable premium.
More or less the idea for the first article of the German Grundgesetz, the German constitution: "Die Würde des Menschen ist unantastbar. Sie zu achten und zu schützen ist die Aufgabe aller staatlicher Gewalt." / "Human dignity IS inviolable. To honor and protect it is the task of all stately powers."
Treat others with dignity, and you and your rights will be fine and honored. Be an ass, and look where your actions will take you.
That's what all German laws are supposed to be centered around. Including such things as the liability insurance which are governed by the German laws as well.
PS: The Promotion link is expired
Great video as usual!
I have a concern though. How does the insurance company know exactly what happened? How do they make sure of it? In my country for instance, insurance companies are hard to get any penny from them as they ask for a lot of evidence, despite the fact that they are all accidents that happen in a glance! It's not like I am recording every single detail in my life :D So, again, how does it go when something bad happens and I ask them to cover it?
Usually you get asked to document incidents with pictures, witnesses, police reports. It really depends on the case.
Hey Jen and Yvonne!
Can you please make a video about CSD pride parade in Germany?
Tomorrow would be my first pride parade (Munich) and I never knew that we have whole 2 weeks of celebration which got me curious as to how in different parts of germany pride is celebrated.
Hello Simple Germany, I would like to ask you which tariff of Personal Liability Insurance from Getsafe do you have? Premium or Comfort ? What is the difference ? As I understand, Comfort tariff is good in you are rider ...
2 special Premium perks:
1.Refuelling damage when using motor vehicles that don’t belong to you
2.SB compensation in automotive comprehensive insurance in case of accident due to use of motor vehicles that don’t belong to you
Do you have also Excess set up as well ? Is it good to set up for some amount e.g. 100 EUR or for 0 EUR ?
You can find the different covers of Premium and Comfort in this overview: chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/www.hellogetsafe.com/documents/getsafe_liability_benefits_overview.pdf?lang=en
Since we are not insurance consultants, we can't really advise you on what tarif to get exactly. Just decide for yourself, which cover makes sense for you. The same with deductible or not. 😊
These explanations and examples are just what every and any person living/planning for Germany should definitely listen to! The laws are strict and people come from so many countries with different laws, some people like me from countries with easily evasive laws. In recent times I have started seeing ads on the TV about our private liability insurance, but it is still highly unpopular. Honestly, I first heard about it in your older video.. I think it was about the culture shocks dating a German. 😃 The dramatic part of explaing is a thing that can happen and you do well including it. And this example of the cyclist that gets hit, breaks their arm, but then the person is a tennis player.. you speak about the various and also mutual aspects of damage, which is something you can't see about everywhere, thank you for doing so!... I enjoyed the part where Yvonne is short of disagreeing on ski and snowboard being 'extreme sports' 🤣I can understand both mentions.
Thanks for your insights, Fanny! Yeah, in Guatemala there is no such insurance! 😅 ⛷ 🏂
@@simplegermany Also no ski and snowboarding.. cause you said the weather is just rain or no rain. 🤣
In the US, we have Renter's Insurance that would cover things like accidental damages to an apartment. Is Private Liability what would cover that sort of thing in DE?
Yes, it would. But it doesn't only cover your apartment, but pretty much all walks of life, as we describe in the video. 😉
Hi, we are family of 3 person, does each one of us has to take separate insurance and there is something like family combo
Some insurance providers have a family package. So you should check for the available options when comparing providers.
Does private liability insurance cover damages to glass items, such as glass doors, windows, shower cubicles, etc.?
Depends on the policy ☺️
In Germany if you have comprehensive car insurance coverage, why do you need liability car insurance too?
We wrote an in-depth guide on car insurance, which might be able to answer that question for you: www.simplegermany.com/car-insurance-germany/
Hi Jen,
I am buying liability insurance from Getsafe.
But before confirming the purchase, I was required to agree to a "Personal Consultation Waive", which sounds very strange to me. Why would I give up this right? Could you please explain this waiver?
Hey Alex, since Getsafe offers mainly digital insurance products, usually you don't have a consultation before you buy, as opposed to traditional insurance companies, where you usually go through lengthy consultations. For newer and more complicated products such as their Health and Life segment, Getsafe also offers consultations. But of course you can always call them, if you have questions. Their phone number is in the upper right corner of their website.
@@simplegermany Thanks for your explanation! I am still learning German, so I was kind of afraid to make a call. 😅
Could you please some day cover pension insurance as well? 😊
Yes, it’s on the list! 😉
@@simplegermany thank you 😊
Could you do a video on how to get German citizenship? 😊
Yes, it’s on the list! 😉
@@simplegermany thank you 😊 🙏
If your employer provides you a metal key (so no card, token etc) and you will lose this key, may they come to the conclusion to change all the locks of the building.
So may you ask for a "Schlüsselversicherung" when you apply for an insurance.
Especially teachers with dozen of class rooms and no electronic locks have a risk on this issue.
A lot of liability insurance policies cover key loss also for your work place.
@@simplegermany Not if you work for a "Pflegedienst", as "Hausmeister" or as "Zusteller", die sind immer ausgeschlossen und gesondert über den Arbeitgeber zu versichern. Übrigens: Private Wohnungen haben sehr häufig ebenfalls Schließanlagen. Solche Schäden liegen meist zwischen 5.000 und 10.000 Euro und sind in der Abwicklung besonders langwierig und unangenehm für alle Parteien. No matter if you have an liability insurance or not, PLEASE DONT LOSE YOUR KEYS - it will be awefull as hell.
So the liability insurance is separate from health insurance? Including the pet insurance?
Yes, liability insurance is separate from health insurance. You can have two kinds of pet insurance. The first is pet health insurance and the second is pet liability insurance.
@@simplegermany 😊🙏
Schön erklärt, allerdings sieht die Praxis etwas anders aus. Als Mitarbeiter einer großen deutschen Versicherung, der täglich Sachversicherungen verkauft und die zugehörigen Schäden aufnimmt, möchte ich jedoch einen Punkt ergänzen bzw. richtig stellen. In der Tat gehört es zu den wichtigsten Leistungen einer Privathaftpflichtversicherung, dem Versicherungsnehmer und den versicherten Personen aus seinem Haushalt Rechtsschutz zu gewähren, indem sämtliche Schadensersatzforderungen - insbesondere die Großschäden ab 50.000 Euro und die Personenschäden - vorab juristisch geprüft werden. In der Praxis bedeutet das, dass der Versicherer berechtigte Forderungen übernimmt (zumeist eher kleinere Sachen wie Mietsachschäden, Schäden an geliehenen Gegenständen, zerdrückte Brillen, beschädigte Handys, Leitungswasserschäden oder Schlüsselverluste) und im Rahmen der Gesetze die Höhe der Entschädigung im Auftrag der Versicherten Person mit dem Geschädigten aushandelt. Nicht berechtigte Forderungen weist die Versicherung ab, zur Not auch vor Gericht. Die versicherte Person ist damit aus der Angelegenheit raus, solange die Beiträge bezahlt sind und kein Vorsatz oder grobe Fahrlässigkeit nachgewiesen werden kann. Dieser "Service" ist immer in der Privatpflichtversicherung und damit der Prämie enthalten. In Abgrenzung dazu braucht man eine Rechtsschutzversicherung um mögliche Ansprüche geltend zu machen und zur Not vor Gericht durchzusetzen. Hart gesagt, hilft es insbesondere dem Geschädigten, wenn er eine gute Rechtsschutzversicherung mit langem Atem hat. Zum Schluss noch ein praktischer Tipp: Auch Paare sollten durchaus zwei Einzelverträge behalten. Nur so lassen sich Schadensersatzansprüche untereinander versichern, beispielsweise wenn der eine Partner die Treppe mit Elan und etwas zu viel Chemie die Treppe geputzt hat und der andere darauf ausrutscht oder auch wenn der eine die Wäsche des anderen wäscht und danach alles verfärbt oder eingelaufen ist. Oder ganz besonders auch in diesem Fall empfehlenswert, wenn der eine Partner Mieter des anderen ist. Wer Fragen hat, gerne fragen.
Vielen Dank für deinen Input. In der Tat haben wir den passiven Rechtsschutz der Haftpflichtversicherung nicht so detailliert erklärt. 😉
I live in USA. I need this.
This is the most bizzare insurance plan i have ever heard.
Why do you think so?
@@tpabstdd this is nothing but creating insecurity for the sake of it so that people buy insurance. What are the chances i am going to break a Tennis player's hand ? If you think like that then there are chances of many things happening.
@@Valkyri3Z I agree, the way how most insurance products are sold are not better than a anything that could possibly end in cancer. And I´m pretty sure that you will not meet any professional tennis player that unlikely way that you destroy his carreer, me neither. So let´s get into real talk. What if your washing machine loose that much water, that the one who lives in the flat downstairs has to renovate his kitchen or bathroom? This is a very common scenario (costs: up to 5000 Euro). What is also common: Given that you rent a drilling machine or some fancy sport gadet (eg. a small boat or an E-Bike), because you are a not used to use it you use it in a slightly wrong way and damage something or somebody. Who pays in this case? Or your grandfather who suffer of Alzheimer desease mixed up the new nurse with some bitch from his youth and hit her ass that much that she cant come to work next few weeks. Who pays? Or your son (older than 7 years) throw in school break a stone to another kid, because he tried to insult him badly. Happend two weeks ago in our agency. Worst case, but not unreal: Same son tries his new longboard, doesnt come to break properly before the sidewalk ends. Two cars with a familiy collide, one parent gets injured. In the end you as the one who had to take care of your sons business, will pay a personal compensation for that injury as well as the salary for the time the guy can not work and you also have to pay extra costs like all the legal fees that are needed for getting you pay. If the guy has kids you will also pay a nanny and if he dies you will pay his child support for all of his kids. What do you think about that? Sounds it realistic enough for you and your life?
How about a water damage in the flat you rent or at the neighbour you caused because of your broken washing maschine or because you are on holidays and noone can fix it without help from the fireworkers
@@tpabstdd I think either that person is the unluckiest person in the world to have all this incidents happen to him all in one life or even any one of these incidents are caused just paying out the person will be cheaper than paying the insurance company your whole life every month.🤣
You should make another video about how some people abuse this system and get 6 figure payments to share!!!
How is skiing an extreme sport? Growing up, it was just one of those things you just have to learn to become a functioning human being. Just like biking, or swimming, getting a driver's license or tying your shoes.
If you cause an acciddnt by skiing mostly head damaches are involved and so a higher risk like the story of the brother from the king of the netherlands or Michael Schumacher, of course the last one was an accident without a second person involved.
Skiing involves great speeds. If you don’t learn it as a child, like me, then it definitely feels very extreme sportly 😅
@@simplegermany But there Probably (?) aren't any snowy mountains in Guatemala either, which would make this a bit harder. I could practice skiing right behind my school building. Wasn't a massive slope, but big enough. Had to walk back up though. But a bigger Piste wasn't far away for me either.
"getting a driver's license" ""just one of those things you just have to learn to become a functioning human being"
Blind person here. Thanks a lot for the encouraging statement!
Rule of thumb with insurance, if it's too cheap (like 3euro per month) don't get it. It's a scam and insurance companies are scaring you. Getting hit by lightning has the same probability but you don't need an insurance for it unless you live on a mountain.
Well, my very old(fashioned) paper Haftpflichtversicherung cost me 6€/mon. I think the online insurances can be cheaper without much loss in quality. Until now I never had problems to get my occasional damages refunded.
Honestly, that depends on two things:
1: How likely something is to happen.
2: How big of an impact does it have.
For example your lightning strike. 250 people are hit in Germany per year with lightning. 10 of them die. Is 3€ a month really that much if it were to stop you from that chance of death?
Your right, most of our claims are peanuts and easy to proceed (under 150 Euro), this is why nowadays most claims can be paid out completly with the help of AI. More important for you as a customer is, that your insurance will help you avoid any claims from anybody wich are not OK or simply to high. So you can see the liability insurance as kind of a legal protection service. And I think this is definitely worth the 40 to 90 Euro a year.
Hello, I really like your videos. Thanks for making useful content!
I’m interested in getting the liability insurance from Getsafe. I tried using the affiliate link from the description, but it’s not showing any €15 discount. Just wanted to check if I’m doing something wrong or the discount is no longer applicable.
Let me know 🙂
Hey Nikhil, thanks! We just double checked the link and the credit should be applied once you take out the insurance. For us it states 'three month free', which could be up to six months, depending on your monthly premium. Give it another try or use incognito, it should be there 😊
@@simplegermany okay great! I’ll try again 😊
Thank you!
When I try to buy Getsafe insurance using your link, I get this error: “This promotion has expired. The coupon is invalid because the promotion has already expired. If you
wish, you can continue the purchase as usual without any discount.”
Thanks for letting us know! We will get in touch with Getsafe and look into this and get back to you as soon as possible :)