HDI private liability comfort

General services

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

• €20 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) * Yes

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)

• Up to €10000.00 (SB €150.00)

Replacement value compensation on request

• up to €3000.00

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

• Yes

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

• Yes

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

• Yes

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

• Yes

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

• Yes

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 under 2 kg
• 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

• Yes up to 15 sqm sail area

Owning and using your own motor boat

• Yes up to 15 hp

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

• Yes up to €20000.00

Rental property damage to furnishings in ship cabins and sleeping cars

• Yes €20000.00

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 €5000.00 (SB €150.00)

Refueling damage in borrowed or rented vehicles

• No

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

• Yes

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

Holding and guarding a guide dog, assistance dog or companion dog for the disabled

• Yes

Keeping and caring for tame pets (except dogs, horses)

• Yes

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

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)

• Yes

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

• Annual turnover up to €6000.00

Property damage to work colleagues when carrying out their professional activity

• Yes

Property damage to the employer when exercising the professional

• Yes up to €10000.00 (SB €150.00)

Key Loss Risks

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

• Yes up to €100000.00

Loss of keys of privately rented, third-party vehicles

• Yes up to €30000.00 (SB €150.00)

Loss of third-party volunteer keys

• Yes up to €100000.00

Loss of someone else's professional qualifications

• Yes up to €100000.00

Loss of company car keys

• Yes up to €30000.00 (SB €150.00)

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 living 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 10,000 sqm

Undeveloped land including lease (abroad)

• Yes up to 10,000 sqm

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)

• Yes up to 9 rooms

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

• Yes

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)

• Yes

Rental of garages/parking spaces/carports

• Yes

Rental of premises for commercial purposes

• Yes up to 9 rooms

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

• Yes

Heating oil tank (above/underground) for insured properties

• Yes up to 10,000 liters

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

Material damage due to gradual exposure

• 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 €200000.00 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 €100000.00

Important

This overview provides the contractual basis according to the general conditions for private liability insurance (AVB PHV 2018) of HDI Versicherung AG. Please note that this is only a brief description of the insured benefits. The legally binding content of the insurance cover results exclusively from the wording of the current version Conditions of HDI Versicherung AG, which are documented in the insurance certificate.