Personal liability insurance – compared personally
Personal liability: essential cover for everyday life.
A brief moment of carelessness can be expensive. Our partner's licensed experts find a tariff with strong cover – for you alone or for the whole family.
- Many providers compared
- 100 % free and without obligation
- We speak your language (German & Arabic)
- For singles, couples and families
- Extras such as lost keys, damage while doing favours and damage to rented property on request
- Quotes from licensed experts – free and without obligation
Requested in just 30 seconds: our partner's experts find a suitable tariff for you – 100 % free & no obligation.
- Maximum freedom: You can end our support at any time with a few clicks in the customer portal.
- 100 % free & no hidden commitment.
Liability comparison
Personal liability
Why personal liability insurance matters so much
Anyone who causes damage to someone else is liable for it without limit – in the worst case with their own income and assets. Consumer advocates therefore count personal liability insurance among the most important insurance policies of all: it protects you and your family from the financial consequences of everyday mishaps – often for just a few euros a month.
Ideal for
- Singles & couples
- Families with children
- After training & university
Your insurance check
Personal liability
- Benefits & cover at a glance
- Premiums compared across the market
- Quotes from licensed experts
- Request
- Check in progress
- Offer
Personal call-back in German or Arabic
Pays justified claims
Whether personal injury, property damage or financial loss: the insurance pays if you or your family accidentally cause someone harm.
Fends off unjustified claims
If the insurer considers a claim unjustified, it fends it off at its own expense – like built-in legal protection.
For you and your family
In a family tariff your partner and children are covered too – children usually until the end of their first training.
Good to know
- Consumer advocates recommend a sum insured of at least 10 million euros – more often costs only a little extra.
- Damage caused intentionally is never covered; damage caused by gross negligence is in good tariffs.
- After a loss: don't admit anything and don't pay anything yourself before you have spoken to the insurer.
Our partner's licensed experts will discuss with you personally exactly which cover suits you.
Questions about personal liability insurance
Am I covered under my parents' policy?
Children are usually covered under their parents' family tariff until the end of their first training or degree. After that you normally need your own contract. Our partner's experts are happy to check this for you.
Is damage to rented property covered?
Damage to the rented flat, e.g. the parquet floor, is included in good tariffs. Borrowed or rented movable items are often only covered as an extra – you can select this in the form.
What if my young child damages something?
Children under seven are generally not liable for damage, and in road traffic even up to the age of ten. Then, strictly speaking, nobody has to pay. Good tariffs still cover such damage up to an agreed amount – which spares friendships and neighbourly relations.
Do I have to upload my policy?
No, that's optional. With your policy, though, our partner's experts can compare your current cover more precisely and make you a suitable offer faster.
What does reviewing my contracts cost?
Nothing – 100 % free and with no hidden commitment. The check is non-binding. We are paid by the provider or the licensed experts when a new contract is concluded. When you switch electricity or gas, we pass part of this on to you as a bonus; for insurance there is no bonus and no cashback (§ 48b VAG). If you grant the voluntary support mandate, the licensed insurance experts also receive an ongoing commission from the insurers for looking after your contracts (portfolio commission) – this costs you nothing either.
Your question isn’t listed?
Our partner's licensed experts will answer it personally – by phone, on WhatsApp or in an appointment.
Advice and brokerage: PFS Professional Financial Solutions GmbH, insurance broker authorised under § 34d(1) GewO (register no. D-V1KE-1FHKK-50). MeinVertragsPlus puts you in touch as a referral partner (Tippgeber). Check in the intermediary register