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Personal Liability Insurance

Personal Liability Insurance

Stay protected from unexpected, costly accidents in daily life. Essential for every household, especially with children.

Private Liability Insurance

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 🎯

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.

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