Protect Your Family's Future in Germany

Children under 7 years old are not legally responsible in Germany, but parents are. If your child damages something while playing, you pay. Even children aged 7 to 18 have limited responsibility, meaning parents often still face liability claims. One broken window can cost €1,200. A damaged parked car can be €5,000 or more.

This surprises most newcomers. In Germany, if you lose your apartment keys, the landlord can demand replacement of the entire locking system for the building. This is not just your door, but all doors that key opens. Costs easily reach €3,000 to €8,000. For company building keys, it can be even more. This is the single most common claim among Indian families.

German landlords take rental damages very seriously. Water damage from a washing machine, scratched floors from moving furniture, damaged walls from mounting TV brackets. These are all your responsibility. Germans often do a detailed inspection when you move out, and any damage not documented when you moved in becomes your liability. Without insurance, you could lose your entire deposit plus additional charges.

Germany loves cycling, but accidents happen. If you accidentally hit a pedestrian or another cyclist and they get seriously injured, you could face medical bills of €50,000 to €500,000 or more. Long-term injuries can result in lifetime payment obligations. Many Indian families don't realize that even a minor cycling accident can have major financial consequences in Germany's legal system.

Why Work With Us as Your Broker

We are independent insurance brokers who work for you, not the insurance companies. This means we find you the best deal and help you navigate the German insurance system in your language.

Priya Sharma

Munich

Our son broke the landlord's glass door. The broker helped us file everything in English and the claim was settled in 3 days. We didn't pay anything.

Vikram Reddy

Berlin

Lost my company keys in my second week at work. Claim approved in 2 days with support in Hindi. Such a relief.

Anjali Patel

Frankfurt

Everything in English made such a difference. Finally insurance I understand completely.

Yes, absolutely. German liability law is very strict. You are personally liable for ALL damages you cause, even by accident, with no upper limit. Being careful is great, but accidents happen to everyone. Just one serious accident can cost your family's entire savings. For €6-9 per month, you get protection up to €50 million.

If you lose your apartment key, the landlord can legally demand replacement of the entire locking system for security reasons. This isn't just your door but all doors in the system, sometimes the whole building. The total easily reaches €3,000 to €8,000. For company building keys, it can be €10,000 or more. This is the single most common expensive claim among Indian families.

Yes. One family policy covers you, your spouse or partner, and all children under 18 living in your household. When you have another baby, they are automatically included at no extra cost. Once children turn 18, if they're still in education, they can often stay covered until age 25.

Adam Riese XL (€5.90) offers great value with €20M coverage and daily cancellation. Adam Riese XXL (€8.50) gives you maximum €50M coverage, best performance guarantee, and importantly includes glass damage protection for ceramic cooktops. Haftpflichtkasse (€6.40) is a traditional 125-year-old German insurer with very high coverage for borrowed items (€500,000) and includes legal expense insurance.

Most claims are processed within 48 to 72 hours if you provide all necessary information. We help you file everything correctly in English so there are no delays. For straightforward cases like a broken item or lost keys, approval often comes within 2 days and money is transferred within a week.

Yes, all three offers include worldwide coverage. You're protected when visiting family in India, traveling in Europe, or anywhere else. This means if you accidentally damage something in a hotel in India or cause an accident while visiting relatives, you're covered.

Glass damage coverage is especially valuable in Germany where ceramic cooktops are standard in rentals. If you crack the cooktop, replacement costs €400-800. It also covers broken windows, glass doors, and glass furniture. Many Indian families cook multiple times a day, making cooktop damage more likely. It's included in the Adam Riese XXL option.

Yes, we have team members who are native Hindi and Tamil speakers. While most communication happens in English, we can explain complex situations or help with claims in Hindi or Tamil if needed. This is especially helpful when explaining to elderly parents or discussing sensitive matters.

Adam Riese offers daily cancellation, which is perfect if your situation changes. The Haftpflichtkasse policy has standard annual terms but you can cancel if you leave Germany permanently. If you're planning to move back to India or relocate to another country, just let us know and we'll handle the cancellation. There are no penalties.

This is very important to understand. Personal liability insurance covers damage you cause to OTHER people and their property. Home insurance (Hausrat) covers YOUR OWN belongings if they get stolen or damaged. They are completely different and you need both. Many Indian families only buy one thinking it covers everything, but you need both types of protection.