After health insurance, private liability insurance is one of the most important forms of insurance in everyday life.
Even minor mishaps can quickly lead to considerable financial losses. In Germany, the law stipulates that anyone who causes damage to a third party is obliged to pay compensation. As a rule, this regulation also applies abroad – often under even stricter conditions.
Although many traditional liability insurance policies offer limited cover abroad, they require the policyholder to remain resident in Germany. This is exactly where our solution comes in: Our expat liability insurance protects you even if you already live abroad and no longer have a place of residence in Germany. A German correspondence address is also not required.
There is unlimited insurance cover within Europe. For countries outside Europe, cover is valid for up to five years – with the option of extending cover for a further five years.
Note: This expat liability insurance is an offer from our selected partners. We do not act as an insurer ourselves, but forward your request directly and simply to our partners.
| Scope of benefits | Exclusive Vario 2 |
|---|---|
|
Sum insured |
10 million euros |
|
General excess (SB) per claim |
150 euros |
|
Stay abroad within Europe |
unlimited in time |
|
Stay abroad outside Europe |
5 years with the option of extension |
| Sums insured | |
|---|---|
|
Personal injury |
10 million euros |
|
Property damage |
10 million euros |
|
Financial losses |
5 million euros |
|
Maximization of sums insured (per year) |
3 times |
|
Rental property damage |
10 million euros |
|
Precautionary insurance |
10 million euros |
|
Water damage – plant risk |
3 million euros |
|
Water damage – residual risk |
3 million euros |
| Motor vehicles Insurance cover for the | |
|---|---|
|
Use of motor vehicles (motor vehicles) on non-public roads |
|
|
Use of motor vehicles up to 6 km/h |
|
|
Use of medical chairs, work machines etc. up to 20 km/h |
|
|
Use of remote-controlled model aircraft up to 15 km/h |
|
|
Use of model aircraft up to 5 kg |
|
|
Use of surfboards |
|
|
Temporary use of third-party sailboats (up to 10m² sail area) |
|
| Animals | |
|---|---|
|
Riders of third-party horses, drivers of third-party carriages (private use) |
|
|
Guardians of third-party dogs (non-commercial, excluding fighting dogs) |
|
| Other | |
|---|---|
|
Permitted possession of weapons |
|
|
Activity as a childminder, up to 6 children cared for |
|
|
Provision of a deposit within Europe |
|
|
Loss of private apartment keys/professional keys |
30.000 Euro / SB 500 Euro* |
|
Participation in specialist practical lessons |
6.000 Euro / SB 125 Euro* |
|
Damage to third-party borrowed, rented, etc. property Property |
3.000 Euro / SB 500 Euro* |
|
Damage from the courtesy relationship |
30.000 Euro |
|
Loss of receivables cover (from 2,500 euros claim amount) |
|
|
Performance guarantee compared to GDV standard (AHB) |
|
|
Future condition improvements (AHB) |
|
| Partners in a marriage-like relationship (and children) | |
|---|---|
|
(Grand)parents living in the same household |
|
|
Children during vocational training, studies |
|
|
Children during voluntary military service, waiting periods, etc. |
Max. 12 months |
|
Children whose care has been ordered by a court |
|
|
Recourse claims by social insurance providers |
|
|
Single persons in a domestic partnership |
|
|
Pension insurance, e.g. after divorce |
max. 3 months |
|
Damage caused by children incapable of acting in tort |
30,000 euros / excess 150 euros* |
|
Expat LIABILITY INSURANCE SINGLE |
Expat LIABILITY INSURANCE FAMILY |
|
|---|---|---|
|
Annual fee |
79,80 Euro |
109,44 Euro |
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