Does the family personal liability insurance apply to children over the age of 18 who live in the same household?
Yes.
What is personal liability insurance?
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.
Does it make sense to take out household contents/personal liability insurance for roommates living in a shared apartment on an individual or collective basis?
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.
Is damage caused by my pets also covered by personal liability insurance?
Yes, as a pet owner, you are insured against damage caused by your pet at no extra cost. For tenant damage in particular, your cover does not include damage due to wear and tear (e.g. cat scratches on door posts).
Is the personal liability insurance valid worldwide?
Yes.
Does this additional cover apply to damage to used third-party motor vehicles when abroad?
The insurance is valid worldwide. Please be aware that this 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 travel insurance (assistance) with excess cover.