HDI personal liability basic

General services

Sum insured for personal injury, property damage, financial loss and damage to rented property

• €10 million

Annual maximization (max. exhaustion of the contractual sum insured per year)

• 3-fold

performance guarantee

• Compared to the model conditions of the German Insurance Association (GDV)

Innovation guarantee

• Adoption of future performance improvements for the private liability insurance taken out

vested rights guarantee

• No

Protective screen "Umbrella"

• Immediate high-performance HDI insurance cover, premium payment only after the end of the preliminary contract

provident insurance

• For additional risks during the term of the contract, e.g. also for dogs that are subject to compulsory insurance

agreement deductible

• Without SB/€150.00/€300.00

Accidental breach of duty (e.g. delayed notification of damage)

• No

Waiver of contributions in the case of incapacity and unemployment for a maximum of 12 months

• No

Claims of hostility, harassment, harassment, unequal treatment or other discrimination

• Yes

acts of courtesy

• Yes

Damage to borrowed or rented items (excluding damage to motor vehicles, aircraft and watercraft)

• No

Replacement value compensation on request

• No

Bad debt protection for personal injury and property damage (Europe)

• No

Assumption of costs for legal protection in the event of bad debt protection

• No

Protection for victims of violence (intentional personal injury even in the case of unidentifiable perpetrators)

• No

Personal injury claims against insured persons among themselves

• No

Damage caused by the policyholder's children who are not capable of tort (living in the policyholder's household), at the request of the policyholder

• No

Damage caused by children who are not capable of tort and for whom the policyholder has temporarily assumed responsibility for supervision, at the request of the policyholder

• No

Damage caused by insured persons who are not capable of tort at the request of the policyholder

• No

Leisure/Hobbies

Private internet use/electronic data exchange

• Yes

Bicycles owned and used

• Yes

Participation in bike races (not as a professional/licensed rider)

• Yes

Electric bicycles owned and used up to 25 km/h (if not subject to registration/insurance)

• Yes

Playing sports (Note: Special insurance is required for hunting activities.)

• Yes

Golf carts/caddies (if not subject to registration and insurance)

• Yes

Owning and using motorized model aircraft, e.g. model airplanes, drones and other multicopters (private use permitted in Germany)

• Yes for flight weight below 250 g
• Property damage and personal injury up to €5 million
• Financial losses up to €100000.00

Model aircraft, unmanned balloons and kites, each without a motor and under 5 kg

• Yes

Holding and using remote-controlled model vehicles (land and water)

• Yes

Rowing boats, paddle boats and third-party sailing boats (each without a motor)

• Yes

Own windsurf boards including kite surfing equipment up to a line length of 30 meters

• Yes

Kite buggies and kite boards with a line length of up to 30 meters

• Yes

Occasional possession and use of third-party water sports vehicles (without a driver's license requirement)

• Yes

Own and use your own sailing boat

• No

Owning and using your own motor boat

• No

Rental property damage to furnishings in hotels, holiday apartments, etc.

• Yes up to €5000.00

Rental property damage to furnishings in ship cabins and sleeping cars

• Yes €5000.00

emergency responders

• Yes

Permitted private gun ownership

• Yes

Vehicles

Ambulance wheelchairs or electric wheelchairs (if not subject to authorization and insurance)

• Yes

Motorized children's vehicles up to 6 km/h (if not subject to registration and insurance)

• Yes

Non-self-propelled small devices (e.g. lawnmowers)

• Yes

Self-propelled work machines up to 20 km/h (if not subject to registration and insurance)

• Yes

Vehicles operating on non-public paths and squares

• Yes

Loading and unloading damage to vehicles

• Yes up to €1000.00 (SB €150.00)

Refueling damage in borrowed or rented vehicles

• No

Mallorca coverage (Europe), provided there is no other insurance coverage

• No

Rebate reduction in motor vehicle liability and fully comprehensive insurance for vehicles borrowed from private individuals

• No

Acceptance of the fully comprehensive deductible in the event of damage to or caused by rented vehicles

• No

Animals

Non-commercial herding of other people's dogs or horses, provided there is no other insurance cover

• Yes

Use of third-party horses and driving carriages/sleighs, provided there is no other insurance cover

• Yes

By a guide dog, assistance dog or companion dog for the disabled

• Yes

Pets (keeping except dogs, horses)

• Yes

Keeping and guarding wild animals (e.g. snakes, scorpions, spiders)

• No

Entry costs for wild animals

• No

Profession and voluntary work

Volunteer work, no responsible work (e.g. board of directors)

• Yes

Damage caused by participation in practical lessons, including damage caused by custody (e.g. equipment provided)

• Yes

Unpaid work as a childminder

• Yes

Paid work as a childminder (not when working in companies/day care centers and institutes)

• No

Self-employed part-time work (activities according to the list)

• Annual turnover up to €1200.00

Property damage to work colleagues when carrying out their professional activity

• No

Property damage to the employer when carrying out the professional activity

• No

Key Loss Risks

Loss of someone else's private keys (e.g. keys to a rented apartment)

• Yes up to €5000.00

Loss of keys of privately rented, third-party vehicles

• No

Loss of third-party volunteer keys

• Yes up to €5000.00

Loss of someone else's professional qualifications

• No

Loss of company car keys

*No)

Housing/real estate

Self-occupied apartment

• Yes

Family home for own use including gardens, garages as well as a pond, swimming pools and biotopes

• Yes

Self-occupied two-family house, including the rental of a residential unit including gardens, garages and a pond, swimming pools and biotopes

• Yes

Self-used holiday apartment/weekend/holiday home (domestic/abroad)

• Yes

Undeveloped land including lease (domestic)

• Yes up to 1,500 sqm

Undeveloped land including lease (abroad)

• No

Possession of photovoltaic and solar systems for the insured property, including feeding into a public power grid

• Yes

geothermal systems to the insured real estate

• Yes up to €1 million

Self-used commercial premises in the building or on the property (the obligation to ensure traffic safety is insured)

• No

Self-used, permanently installed, non-insurable caravan

• Yes

Co-ownership of community facilities that belong to the insured objects (e.g. shared access to public roads, laundry drying areas, garage courtyards, parking space for garbage cans)

• Yes

Rental of condominiums

• No

Rental of a granny flat in a self-used single-family home

• Yes

Rental of a holiday apartment, a weekend/holiday house or a permanently installed mobile home (domestic/abroad)

• No

Rental of garages/parking spaces/carports

• No

Rental of premises for commercial purposes

• No

Rental of living space including hospitality (e.g. to trade fair guests)

• Yes

Heating oil tank (above/underground) for insured properties

• No

LPG tanks to insured properties

• Yes

Spreading and cleaning obligations as the owner of an apartment or a single-family house

• Yes

Property damage from domestic sewage

• Yes

Property damage due to spontaneous impact

• Yes

Construction work on insured real estate and land (in Germany and abroad) including construction workers, provided there is no other insurance cover for them

• Yes up to €20000.00 construction sum

Water damage from small containers (individual containers up to 100 l or kg; total amount up to 1,000 l or kg)

• Yes

General environmental risk (damage from environmental impact)

• Yes

Public law claims according to the Environmental Damage Act (USchadG)

• Yes

Stay abroad

• Yes, for a temporary stay abroad within Europe without a time limit

Temporary stay abroad outside of Europe

• Yes max. 5 years

Deposit in other European countries

• Yes up to €50000.00

Important

This overview represents the contractual basis according to the general conditions for private liability insurance (AVB PHV 2018) of HDI Versicherung AG.