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The private liability insurance
HDI Versicherung AG offers you comprehensive insurance cover for property damage, personal injury and financial loss.
Basic liability insurance
For everyone who wants basic coverage and wants to save
is applicable
- for private individuals
from €4.44 per monthThe private liability insurance Basic of HDI Versicherung AG with the following insurance scope for:
- €10 million sum insured for personal injury, property damage and financial loss
- Worldwide
- Discrimination
- Self-occupied apartment, house and vacation property
- Loss of keys
- Operator liability for photovoltaic and wind power plants
- Damage from acts of courtesy
- Damage to borrowed, rented or leased items
- Private internet use / electronic data exchange
- Electric bikes
- Use of flight models (e.g. drones)
- Liability insurance
Comfort liability insurance
For everyone who wants high-performance insurance
is applicable
- for private individuals
from €5.21 per monthThe private liability insurance comfort of HDI Versicherung AG with the following scope of insurance for:
- €20 million sum insured for personal injury, property damage and financial loss
- Worldwide
- Discrimination
- Bad debt loss
- Self-occupied apartment, house and vacation property
- Loss of keys
- Rental property damage
- Operator liability for photovoltaic and wind power plants
- Damage from acts of courtesy
- Damage to borrowed, rented or leased items
- Private internet use / electronic data exchange
- Electric bikes
- Use of flight models (e.g. drones)
- Vehicle loading and unloading damage
- Liability insurance
Premium liability insurance
For those who don't want to take any risks`and prever all inclusive
is applicable
- for private individuals
from €5.87 per monthThe private liability insurance premium of HDI Versicherung AG with the following scope of insurance for:
- €50 million sum insured for personal injury, property damage and financial loss
- Worldwide
- discrimination
- bad debt
- Contribution exemption
- Self-occupied apartment, house and vacation properties
- Key loss
- Rental property damage
- Operator liability for photovoltaic and wind power plants
- legal protection
- Damage from acts of courtesy
- Damage to borrowed, rented, leased property
- Private internet use/electronic data exchange
- Electric bikes
- Use of flight models (e.g. drones)
- Loading and unloading damage to vehicles
- Liability insurance
Do I need private liability insurance?
Personal liability insurance is clearly one of the most important types of insurance. Whether you are young or old, everyone should have one. Because the German law has clearly regulated: Anyone who culpably causes damage to another person must compensate him and is liable with his income, possessions and assets. Possibly for a lifetime.
What is insured in a private liability insurance?
Private liability insurance covers damage to property, personal injury and financial loss that you have caused to someone else culpably, accidentally or intentionally.
Only damage that is caused intentionally and, depending on the scope of the insurance, gross negligence is excluded.
Does private liability insurance make sense?
Basically, private liability makes sense for everyone. Because without liability insurance, you have to pay for damage caused to third parties with your private assets, and that can be expensive.
Will damage to my rented apartment be paid for?
Yes, because a rented apartment also has parts that do not belong to you and that can be damaged and you have to pay the costs for them.
Fitted kitchen and the floors (e.g. tiles or floorboards). All sanitary facilities such as sinks and toilets as well as doors and windows are also included. The same applies to furniture belonging to the lessor and objects that have been made available to you.
Will damage to my own belongings be paid for?
No, if you accidentally damage your property, liability insurance will not pay. It only pays for damage you cause to someone else.
The liability insurance also does not cover damage caused by relatives who live with you in the same household or who are also insured in your insurance contract.
What does private liability insurance do?
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The private liability insurance checks whether you are obliged to compensate third parties for the damage.
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It pays for justified claims for damages.
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She fends off unjustified claims - if necessary also in court.
What does a courtesy act mean in private liability insurance?
If you offer your help for free - for example when your friend moves house or you look after his apartment while he is traveling - and you break something without meaning to, it is an act of favour.
This is not insured in every private liability insurance and damages are therefore not covered. For this reason, every private liability insurance company should have this clause.
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