High limits
Set an adequate limit for bodily injury, property damage and financial loss.
Personal insurancePrivate clients and families
A mistake can happen in seconds. Its consequences can last for years.
If you negligently harm another person, you are generally liable with your own assets. Personal liability insurance reviews claims, defends unjustified demands and pays within the insured scope.
No obligationAvailable across GermanyGerman / Turkish / English
Problem · Benefit · Decision
What this cover can solve for you.
Clear policy wording for serious personal liability risks
Cover the family correctly
Check that partners, children and your household arrangement are covered.
Check the useful extensions
Review rented property, keys, damage caused while helping others and bad-debt cover deliberately.
Getting specific
What we will clarify together.
A sound decision starts with the right facts, not a blanket price promise.
- 01
Record the household and family situation
- 02
Choose the cover limit and deductible
- 03
Check cover for children below the age of legal responsibility and borrowed items
- 04
Review an older policy for missing modern clauses
Important: Not every loss is insured. Intentional acts, certain occupational risks and contractual obligations may be excluded.
Frequently asked questions
A few answers before you enquire.
01Is personal liability insurance compulsory?
It is usually not required by law, but unlimited personal liability makes it one of the most important forms of private cover.
02Are children automatically covered?
That depends on family status, age, education and the policy. The terms must be checked.
03What is bad-debt cover?
Subject to the policy terms, it can pay when someone causes you a loss but cannot pay the compensation themselves.
Free enquiry
Compare personal liability cover.
Tell us whether you are single, a couple or a family and whether you already have personal liability insurance.
- Initial assessment with no obligation
- German / Turkish / English
- We only reply through the channel you choose