%20(1).webp?width=300&height=64&name=LOGO%20Neodirect%20%20orange%20(500%20%C3%97%20150%20px)%20(1).webp)
Private Liability Insurance
Stay protected from unexpected, costly accidents in daily life. Essential for every household, especially with children.
Friend’s Phone Covered
If you accidentally drop a friend’s smartphone and it breaks, our insurance covers the repair or replacement costs, sparing you from unexpected expenses.
Rental damages
Private liability insurance also covers accidental damages to rented property—so if you scratch the landlord's parquet flooring, the insurance will cover the repair costs.
Coverage for loss of keys
Losing your apartment or work keys can get costly, as it often requires replacing the entire locking system. With our coverage, we take care of these expenses if you lose your keys.
Private Liability Insurance
A private liability insurance (often called personal liability insurance) is one of the most crucial protections to have in Germany. Accidents can happen in a second, and a small mistake can lead to serious damage to someone else's property or, even more costly, to their health.
This insurance covers any personal injuries or property damage you may accidentally cause to another person. For example, imagine you unintentionally damage an expensive piece of furniture in someone else’s home, or cause water damage in a rented apartment that affects other units. These claims can easily amount to thousands or even millions of euros, and in Germany, you are personally liable for these costs. Without private liability insurance, you would have to cover these expenses from your own assets, which could lead to severe financial strain or even ruin.
Private liability insurance ensures that such situations are managed for you, providing financial security and peace of mind.
🔘LIABILITY INSURANCE
Essential protection, affordable!
Your Benefits with NeoDirect’s Private Liability Insurance by DesiProtect
Get top-notch protection with NeoDirect’s exclusive private liability insurance from DesiProtect, available in Premium and Exklusiv options:
- High Coverage: Protection reaching millions, covering everything from minor mishaps to significant claims.
- Key Loss Protection: Lost your apartment or work keys? Avoid high replacement costs—our coverage has you secured.
- Rental Damage Coverage: Accidentally scratched the parquet or damaged something in your rental? We handle it.
- Gadget Protection: Dropped a friend’s phone? No worries, the insurance takes care of it.
- Global Coverage: Enjoy worldwide protection, so you’re covered wherever you go.
Essential protection doesn’t have to be expensive! With NeoDirect and DesiProtect’s Premium and Exklusiv plans, you get complete peace of mind without a high price tag.
|
Feature |
DesiProtect Premium | DesiProtect Exclusive |
|---|---|---|
| Coverage Amount (Personal, Property, Liability) | €50 million (max €15M/person) | €30 million (max €15M/person) |
| Innovations Guarantee | ✅ | ✅ |
| Possession Guarantee | ✅ | ✅ |
| New Value Compensation | Up to €5,000 | Not included |
| Coverage for Loss of Private Keys | ✅ | ✅ |
| Coverage for Loss of Work Keys | ✅ | ✅ |
| Rental Property Damage | ✅ | ✅ |
| Damage in Vacation Rentals/Hotels | ✅ | ✅ |
| Damage to Rented/Loaned Equipment | ✅ | ✅ |
| Damage from Slow Processes (Allmählichkeitsschäden) | ✅ | ✅ |
| Damage to Third-Party Vehicles (Loading/Unloading) | Up to €5,000 | Up to €2,500 |
| Deductible Reimbursement for Car Rentals | Up to €1,000 | Not included |
| Coverage for Internet Use and Data Exchange | ✅ | ✅ |
| Coverage for Small Motor Vehicles (up to 20 km/h) | ✅ | ✅ |
| Coverage for Private Drones (up to 5 kg) | ✅ | ✅ |
| Environmental Damage (Water Pollutants) | ✅ | ✅ |
| Animal Care (Dogs and Horses) | ✅ | ✅ |
| Loss of Foreign Keys (e.g., Auto, Safe) | ✅ | Not included |
| Extended Coverage for Self-Employed Activities | Up to €22,000 revenue | Up to €12,000 revenue |
| Damages in Volunteering and Childcare | ✅ | ✅ |
| Teacher’s Liability | ✅ | Not included |
| Liability for Foreign Watercraft | ✅ | ✅ |
| Mediation for Property Disputes | 3 sessions (max 2 hours each) | Not included |
| Abroad Coverage (Europe) | Unlimited | Unlimited |
| Abroad Coverage (Worldwide) | Up to 5 years | Up to 5 years |
| Bail Coverage Worldwide | ✅ | Up to €100,000 |
| Construction Coverage (Builder's Liability) | Up to €1,000,000 | Up to €500,000 |
| Own Vacation Property Coverage | ✅ | ✅ |
| Liability for Renewable Energy Systems | ✅ | ✅ |
| Damage to Personality and Name Rights | ✅ | ✅ |
THE OPTIMAL SUM INSURED:
You will do well with your private liability insurance if you have property damage covered for 20 million euros and rental property damage for 20 million euros. To cover severe damage, the sum insured for property damage and personal injury should also be at least 20 million euros.
INSURE CHILDREN AS WELL:
Children are covered free of charge. This also applies to adult children as long as they are in education and are not yet married. A contract clause on the incapacity of your children to commit an offense guarantees that your insurance company will be liable in the event of a claim even without examining the breach of the duty of supervision.
INCLUDE BAD DEBT LOSSES:
One-third of all German households do not have private liability insurance. So that you don't end up empty-handed in the event of a claim, it makes sense to take out a policy with inadequate debt coverage. Then your insurer will also cover the costs of damage caused to you by someone without private liability insurance.
CANCELLATION AND TERM:
Pay attention to the term and notice periods: Pay attention to the term of the contract and the notice periods to remain flexible and to be able to change to another provider if necessary. As a rule, the old agreement must be terminated three months before it expires. Otherwise, it is automatically extended by one year;
Check family insurance:
Could you check whether family insurance is offered to bundle protection for all family members under one contract?
Weigh up the deductible:
Consider whether an excess makes sense to reduce the monthly premiums. However, remember that you will have to pay the lot in the event of a claim.
Take into account damage to the rented property in the liability insurance:
Could you ensure that your private liability insurance covers damage to rented property? This way, you are financially protected in case of accidental damage to the rented flat or other people's furniture.
Provision with front loss cover in the liability insurance:
Could you check whether your private liability insurance includes loss-of-earnings cover? This protects you if the person who caused the damage does not have sufficient financial means to pay for the damage. This way, you are also covered in such cases and do not have to sit on the costs.
Dogs require their liability insurance:
Note that dogs require their own liability insurance, while cats are usually covered by private liability insurance. Therefore, check the terms of your insurance and make sure you have the appropriate protection for your dog to cover any potential claims.
Why Should You Take Out Private Liability Insurance?
Private liability insurance is part of the elementary private essential provision and covers the most critical risks of everyday life. Everyone is legally obliged to pay for self-inflicted damage - in the worst case, with their natural assets and personal income up to the seizure limit. Private liability insurance checks whether and to what extent claims exist and pays justified compensation. It fends off unjustified claims by other persons and bears the costs of any legal disputes that may arise.
When does private liability insurance payout?
CASE EXAMPLE 1: A cyclist is riding on the pavement and overlooks an oncoming pedestrian behind the next turn and hits him. The pedestrian falls and breaks his right shoulder.
Treatment costs and a loss of working hours of about four weeks exist. In addition, compensation for pain and suffering is due. Private liability insurance bears these costs.
CASE EXAMPLE 2: Two friends chat together in their notebooks. Carelessly, one knocks over his glass, and the drink pours over the keyboard. The notebook is ruined and has to be replaced. Private liability insurance reimburses these costs.
Who is Insured?
In principle, the person who has taken out the insurance is insured. Regarding family tariffs, life partners and minor children of the life partners are also certified. Children of full age are covered as long as they are in education and are not married or partnered. Military and civilian service personnel not living in the same household are also covered. If you have a butler, they are also covered, as are household and garden helpers and babysitters. Persons living in the home can be included in the contract.
What should Private Liability Insurance Include?
You should choose private liability insurance with a sum insured of at least 20 million euros and ensure that the tariff offers benefits corresponding to your life situation. In addition, you can include coverage for damage caused by children under seven years of age or the loss of other people's private keys or company keys in the insurance coverage. Essential is the inclusion of lousy debt coverage, which covers your liability claims if the perpetrator cannot pay. You can also insure damage caused by acts of courtesy or borrowed property.
Which Damages Are Insured?
Private liability insurance covers personal injury, property damage, and financial losses. Individual injury results from injury, damage to health, or death and requires benefits for medical expenses incurred, compensation for pain and suffering, loss of earnings, or pension payments. Property damage is caused by injury, destruction, or loss of an object that must be repaired or replaced. In addition, consequential costs, such as loss of use, may also arise. Financial damage resulting in a monetary disadvantage for the injured party and must be compensated is pecuniary damage. Damage caused intentionally is not insured.
What to do in the event of damage?
Report the damage to your insurance company within one week. Describe the circumstances truthfully and send your insurer all relevant documents immediately. Try to keep the damage as low as possible. Do not make any payments or admit guilt without consulting the insurance company. The insurance company will check the legal situation and settle the damage accordingly.
