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Private liability insurance
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Private Liability Insurance - Neodirect

Private liability insurance

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“Expensive material damage can quickly and unintentionally be caused by unfavorable circumstances. A private liability insurance is essential and should not be missing in any household – and especially if children are with you. It replaces damage payments that you incur towards others and protects you from financial ruin in an emergency.

At Neodirect you get current market prices and services of liability insurance for comparison. In this way you can determine your desired tariff and take out your private liability insurance as quickly as possible. The comparison is worthwhile: You are insured from as little as €28 a year. Optimal protection does not have to be expensive!

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THE OPTIMUM INSURANCE AMOUNT:

You are on the right track with your private liability insurance if you have financial losses insured with EUR 100,000 and damage to rented property with EUR 300,000. In order to also cover serious damage, the sum insured for property damage and personal injury should be at least 3 million euros.

INSURING CHILDREN:

Children are insured free of charge. This also applies to adult children as long as they are in education and not yet married. A contractual clause on the incapacity of your children to commit a crime guarantees that your insurance company is liable in the event of damage, even without examining the breach of supervisory duties.

DEFAULT INCLUDES:

A third of all German households do not have private liability insurance. So that you do not go away empty-handed in the event of damage, it makes sense to take out a policy with bad debt cover. In that case, your insurer will also cover the costs of damage caused to you by someone without private liability insurance.

>TERMINATION AND BUDGET COMBINATION:

As a rule, when changing insurance, the old contract must be canceled three months before it expires, otherwise it will be automatically extended by one year. Do you move into one together as a couple?

FAQs

“WHY SHOULD YOU GET PRIVATE LIABILITY INSURANCE?

Private liability insurance is part of the elementary private basic provision and covers the most important risks of everyday life. Everyone is legally obliged to pay for self-inflicted damage – in the worst case with all their assets and private income up to the seizure limit. The private liability insurance checks whether and to what extent claims exist and pays justified compensation. It fends off unjustified claims from other people and bears the costs of any legal disputes that may arise.

WHEN DOES PRIVATE LIABILITY INSURANCE PAY?

CASE STUDY 1: A cyclist rides on the sidewalk and, after making the next turn, fails to notice an oncoming pedestrian and hits him. He falls and breaks his right shoulder.
There are treatment costs and a loss of work of about four weeks. In addition, compensation for pain and suffering is due. These costs are covered by private liability insurance.

CASE STUDY 2: Two friends are chatting together with the notebook. Someone accidentally knocks over his glass and the drink spills over the keyboard. The notebook is ruined and needs to be replaced. These costs are reimbursed by private liability insurance.< />

WHO IS INSURED?

In principle, the person who has taken out the insurance is insured. In the case of family tariffs, life partners and minor children of life partners are also insured. The insurance cover applies to adult children as long as they are in education and are not married or in a civil partnership. In exactly the same way, those doing military and community service who do not live in the same household are also insured. If you have a butler, then this is also insured along with household and garden help and a babysitter. People who live in the household can be included in the contract.

WHAT SHOULD PERSONAL LIABILITY INSURANCE CONTAIN?

You should choose private liability insurance with coverage of at least EUR 3 million and make sure that the tariff offers benefits that correspond to your life situation. In addition, you can include insurance against damage caused by children under the age of 7 or the loss of third-party, private keys or service keys in the insurance cover. The inclusion of bad debt cover, which protects your own liability claims if the actual polluter is insolvent, can be particularly important.

You can also insure damage caused by acts of courtesy or to borrowed items.

WHAT DAMAGES ARE INSURED?

Private liability insurance covers personal injury, property damage and financial loss.

Personal injury occurs as a result of 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 occurs when an item is damaged, destroyed or lost and needs to be repaired or replaced. In addition, consequential costs, such as loss of use, can also arise here. Financial damage that brings the injured party a pecuniary disadvantage and has to be compensated is referred to as financial damage. Damage caused intentionally is not insured.

WHAT TO DO IN CASE OF LOSS?

Report the damage to your insurance company within a week. Describe the circumstances truthfully and send your insurer all relevant documents as soon as possible. Try to keep the damage as low as possible. Don’t make any payments or admit guilt without consulting the insurance company. The insurance company will check the legal situation and the damage will be settled accordingly.”

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