In Germany, having the right liability insurance is not just a financial choice; it’s your safety net against unexpected costs and your ticket to peace of mind.
However, for many English-speaking expats, understanding the offerings and features of various insurance companies can seem like deciphering a complex code.
But fret not!
We’ve done the legwork for you, listing and explaining the top five best liability insurance options in Germany so you can make an informed choice with confidence.
We cover in this article:
Comparison Table
The table below compares the basic plans with €0 Euro deductible.
| Getsafe | Feather | Lemonade | Adam Riese | Friday |
No. Of Plans Offered | 2 | 1 | 1 | 3 | 3 |
Maximum Insured Sum (Versicherungssummen) | €20 million | €50 million | €5 million | €7.5 million | €10 million |
Stay Abroad Within EU and EFTA | Unlimited Duration | Unlimited Duration | Up to 3 Years | Unlimited Duration | Unlimited Duration |
Stay Abroad Outisde EU and EFTA | Up to 5 Years | Unlimited Duration | Up to 1 Year | Up to 2 Years | Up to 5 Years |
Damages Covered Abroad | Up to €250,000 | Up to €250,000 | Up to €5 Million | Up to €10,000 | Up to €100,000 |
Damage To Borrowed Items | Covered Up to €10,000 | Covered Up to Plan Limit | Not Covered | Covered Up to €10,000 | Not Covered |
Professional Key Loss | Covered Up to €10,000 | Covered | Not Covered | Not Covered | Not Covered |
Drone Coverage | Yes (Up to 250g) | Yes | Not Available | Yes | Yes (Up to 250g) |
English Support | Yes | Yes | Yes | No | No |
Deductible (Note that all these companies provide the option to pay a higher deductible that will reduce your monthly payment) | €0 | €0 | €0 | €0 | €0 |
Mobile App | Yes | Yes | Yes | No | No |
Cancellation | Anytime | Anytime | Anytime | Anytime | Anytime |
Base Plan Monthly Price | €2.87 | €4.94 | €4.58 | €1.63 | €2.39 |
** The Pricing and Features listed above represent the basic offerings.
Which Liability Insurance Is Right For You?
The right German personal liability insurance depends on your individual preferences based on your lifestyle, travel routine, asset values, and many other things.
Whether you prioritize professional coverage, pricing, personal damages, access to English-speaking support, or other specific needs, there’s likely a liability insurance plan that suits you best.
So, it’s essential to evaluate your requirements and preferences and compare available options to make the right choice for liability protection.
Quick Summary
As per our analysis:
- Best Value For Money: Feather
- Best English Support: Getsafe
- Multiple Plan Options: Friday
- Best Economical Option: Adam Riese
- Best For Transparent & Clear Conditions: Lemonade
Best Liability Insurances in Germany 2024
1. Get Safe
Started in 2015, Getsafe is a rather newcomer in the insurance market.
However, with its innovative approach and hassle-free digital platform, the company has garnered the trust of over 500,000 users.
Getsafe’s goal is to simplify insurance by minimizing complications and paperwork, and they have been pretty successful at this.
Getsafe offers two liability insurance plans: Comfort and Premium.
Comfort
Starting at €2.87 per month, the Comfort plan covers the following:
- Uninsured third-party protection
- Personal damage
- Asset damages
- Work keys (If a lock change is required)
- Temporary members of your household (Au pairs, for example)
- Tame animals and small wild animals
- Property damage
- Rental property damage
- Rented rooms for commercial purposes
Premium
Starting at €3.75 per month, the Premium plan covers everything in the Comfort plan plus the following:
- Compensation for the value of a new item if it’s not older than one year
- Extended key loss coverage (Safe, locker, furniture, and motor vehicle keys)
- Damage to third parties during loading or unloading using your own vehicle
- Refuelling damage during the use of another person’s motor vehicle
- Claims arising from discrimination under the General Equal Treatment Act (AGG)
Apart from the above, the Premium plan also provides users exemption from contributions in the event of unemployment for up to 12 months.
Plus, there are some limitations. Comfort plan has a coverage limit of €20 million while the Premium plan has a limit of €50 million.
Pros
Two plans for extended choice.
Affordable pricing.
Flexible excess or deductible.
Instant English chat support.
Easy to file a claim.
User-friendly mobile App.
Generous coverage limit on the Premium plan.
Cons
Relatively lower limits on the Comfort plan.
2. Feather
Feather, established in 2018 by Rob Schumacher and Vincent Audoire, was born out of the founders’ personal experience with the complexities of Germany’s insurance industry.
Their mission is simple: to provide straightforward and easily understandable insurance solutions.
So, Feather operates as an insurance broker or intermediary and offers coverage in collaboration with other insurance companies.
However, you can conveniently manage everything through your Feather account while they handle partner relationships and payments on the backend.
For liability insurance, they have partnered with Barmenia and offer a single plan.
The plan starts at €4.94 per month and covers the following:
Apartments, Homes, and Rentals
- Liability claims for owning or renting a home or land
- Damage to rented property
- Lost keys and property belonging to other individuals
- Damage to an individual or their property is covered if they’re unable to pay
- Damages from renting an apartment or home
- Gradual damages (from temperature, gases, steam, moisture, etc.)
Personal Injury
- Unintentional negligence (up to €20,000)
- Liability claims from sport, exercising, and biking
- Liability claims as a pet owner
Employment
- Some self-employed/freelance activities (Up to €15,000 per year)
- Coverage continuation for 12 months when unemployed
Additional Coverage
- Protection if another person can’t pay a liability claim against them
- Liability claims caused by identity theft
- Worldwide coverage
- Coverage for personal injury when the other injurer isn’t known
- Liability-related legal insurance
Feather insurance covers up to €50 million in liability claims; however, the limits may vary for certain categories, so be sure to check out terms and conditions in advance.
Pros
English support and information available.
No compulsory deductible.
Drone coverage included.
Easy access to what is covered.
Cancel anytime.
Mobile app available.
Feather’s Guarantee: it will cover any liability claim that others do.
Cons
Just one plan.
Personal physical injury is limited to €50,000 only.
3. Lemonade
Lemonade is a fully digital insurance platform that’s loved because of its incredibly convenient mobile app and the social impact it creates by donating extra premiums to charity.
Founded in 2015, the company offers liability insurance with a special focus on transparent insurance policies so English-speaking expats can understand.
For €4.58 per month, it covers you for up to €5 million per year.
Here are the details of their coverage:
- Liability for damage or bodily injury you cause to someone
- Legal defense is included (if needed)
- Rental property damage (Mietsachschäden), including fixed installations and furnishings
- Protection for lost apartment keys, lock replacement, and security measures
- Damage to items that you temporarily rent or lease
- Coverage for damage, injuries, and small boats or watercraft
- Protection against property damage from electronic data exchange
Lemonade covers you for up to €5 million in total for all events occurring within 12 consecutive policy months.
However, you can increase the limit to €10 million as well.
Pros
Transparent terms and offerings.
Information and support in English.
Options to add high-value items.
Cancel anytime.
Mobile app available.
B-Corp certified and works for social causes.
Flexible limits.
Cons
Professional keys not covered.
Lower maximum limit as compared to others.
4. Adam Riese
Founded in 2017 and headquartered in Stuttgart, Adam Riese made its debut in the insurance market with personal liability coverage.
The company is an integral part of the Wüstenrot & Württembergische AG group, a prominent and long-standing financial service provider in Germany.
Adam Riese was strategically founded to spearhead the group’s digitization efforts for its range of financial products.
The company offers three plans: Tarif L, Tarif XL, and Tarif XXL.
Tarif L
Starting at €1.63 per month, Tarif L personal liability insurance covers:
- Damage to other people’s pets
- Private key loss
- Damage to rented property or leased buildings
- Damage to borrowed items
- Rental for holiday rooms in Germany
- Damage and use of water sports vehicles, bicycles, etc.
- Damage caused by internet use
Tarif XL
Starting at €1.78 per month, the plan includes everything in Tarif L plus:
- Professional key loss
- Rental for holiday rooms in Europe
- Damage to rented vehicle abroad (Mallorca Cover)
- Internet damages outside Europe
- Update guarantee (future improvements apply automatically)
Tarif XXL
Starting at €1.96 per month, the plan includes everything in Tarif XL plus:
- Damage to other’s property while loading and unloading on personal car
- Refueling damage while using others’ vehicles
- Co-insurance of everyone living in the household
- Drone liability up to 5 kg
- Best performance guarantee
Besides comprehensive liability insurance cover in the most expensive plan, the above Adam Riese offers a performance guarantee for all of its plans according to GDV standards.
The sum of insured amounts for all three plans are €7.5, €20, and €50 million, respectively.
Pros
Multiple plans with expanded coverage.
Affordable prices.
Damage to borrowed items.
Anytime cancellation.
Flexible deductibles.
Coverage outside Europe.
Support social causes.
Cons
Information available in German only.
Best performance guarantee only in XXL plan.
5. Friday
In 2017, a team led by Dr. Christoph Samwer, with the backing of the Swiss Baloise Group, established FRIDAY.
However, this Berlin-based insurance company started working independently in May 2018.
Through cutting-edge technology and digital advancements, FRIDAY has transformed the insurance landscape and has earned the confidence of over 100,000 customers with various insurance products.
The company offers three private liability insurance plans: Focus, Balance, and Relax.
Focus
Starting at €2.39 per month, this plan covers:
- Rental property damage
- Damage and use of water sports vehicles, bicycles, etc.
- Bad debt coverage
- Tame pets and animals
- Riding other people’s horses
- Domestic workers in the course of their work
- Third-party key loss (rental house or apartment, hotel room, etc.)
- Rental of holiday rooms, garages, and parking spaces
Plus, the plan comes with an Update Guarantee that all improvement factors will apply automatically.
Balance
Starting at €2.75 per month, this plan includes everything in the Focus plan plus:
- Damage to moving parts, furnishing in holiday homes
- Damage to borrowed or rented assets
- Keys for company vehicles
- Renting a holiday home outside Germany, within Europe
Relax
Starting at €3.22 per month, this plan includes everything in the Balance plan plus:
- Coverage for personal injury when the other injurer isn’t known
- Transfer of services from the previous insurer, often called a guarantee of ownership (Besitzstandsgarantie)
- Bad debt coverage in Europe
- Co-insurance of everyone in the household
- Replacement value refund
- Best performance guarantee
The sum of insured amounts for all three plans are €10, €20, and €50 million, respectively.
Pros
Multiple plans with comprehensive coverage options.
Mobile app.
Transparent contract conditions.
Economical prices.
Best performance guarantee on premium plan.
Flexible deductibles.
Flexible cancellation.
Cons
German website only.
Things To Keep In Mind While Choosing A Liability Insurance in Germany?
Buying personal liability insurance in Germany is a crucial decision, one that might affect the outcome of your future actions.
So, it’s important to consider some key factors before choosing one.
- Coverage: Based on your lifestyle, ensure that the policy covers the risks specific to your situation.
- Limits: Pay attention to the coverage limits of the policy. Ensure it provides enough financial protection to cover potential claims or damages. Assess your assets and the potential costs of liability claims to determine the appropriate coverage limit.
- Deductibles: Higher deductibles typically result in lower premiums, but consider your ability to cover the deductible when choosing a policy.
- Legal Assistance: Determine whether the policy includes legal defense. In case of a liability claim, having legal support can be invaluable.
- Support: Assess the availability of customer support, including whether they offer services in your preferred language and have responsive channels for inquiries or claims.
- Cancellation Policy: While the majority of liability insurance providers let you cancel at any time, it’s still wise to check cancellation terms in your liability insurance contract.
- Price: Compare the cost of premiums against the range and extent of coverage to ensure you’re getting value for your investment.
Taking these factors into account will help you make an informed decision when choosing a German liability insurance company for yourself.
FAQs
Getsafe, Feather, and Lemonade are some of the few liability insurances in Germany that have English-speaking customer service.
Both Getsafe and Feather offer great user experience. While Getsafe has more number of reviews on Trustpilot, Feather has the better rating – 4.9! (1)
