Insurance & Law A2

Evaluate private liability insurance

Why liability is important and which contractual clauses really count.

haftpflicht versicherung alltag

What is that?

Private liability insurance protects you against financial consequences if you unintentionally cause harm to others.

Where do I do that?

Comparison of reputable providers and consumer information.

Required documents

  • Personal data
  • Bank details
  • Household/family information

Typical costs

Contributions depend on the tariff scope, deductible and household constellation.

Note: Costs may vary by state or city.

Progress

  1. 1 Check coverage amount
  2. 2 Compare tariff conditions
  3. 3 Read exclusions
  4. 4 Archive the contract digitally

Important German words & sentences

die Deckungssumme - maximal abgesicherter Betrag
Die Selbstbeteiligung - Eigenanteil im Schadensfall
Der Ausschluss - nicht versicherter Fall
Wie hoch ist die Deckungssumme in diesem Tarif?
Sind Schlüsselverluste mitversichert?

Common mistakes

  • • Just look at the price and ignore exclusions.

Official source