Personal Liability Insurance

Yes.

Since roommates in a shared apartment can always change (moving in and out), we always recommend that you take out household contents and private liability insurance on an individual basis. Otherwise, the person moving out no longer has any insurance coverage.

Personal liability insurance is traditionally often concluded together with household contents insurance, but substantively has nothing to do with it. This is because you do not insure any objects with it; liability insurance instead covers particular claims in your personal life for which you have statutory liability. These include claims for which you are liable vis-a-vis third parties, because you unintentionally run into someone with your bicycle, carelessly knock over a valuable vase of an acquaintance or accidentally spill a glass of water over his laptop. Due to statutory liability provisions – so-called causal liabilities – you can also be held liable for claims caused e.g. by your children or pets.

In addition, tenant claims are also covered in the personal liability insurance, i.e. damage and destruction of your personally occupied rental property.

Yes, as a pet owner, you are insured against damage caused by your pet at no extra cost.

Yes.

The “Driving third-party motor vehicles” coverage is valid worldwide, just like the private liability insurance. Please be aware that this supplementary insurance is only valid up to a maximum usage of 25 days per calendar year. Rental motor vehicles are not insured. As such, we recommend that you take out the Insurance for rental cars and carsharing.