Liability insurance in Germany: you should know this before picking one
It’s a constant fact of life: sh*t happens. Everyone should prepare for random accidents that puts your health, safety & assets at risk. This is where liability insurance in Germany comes in.
When health insurance covers costs due to illnesses or body traumas, liability insurance makes sure you don’t pay the price for the rest. Both are very essential.
At the end of this guide, you will know what it covers and how to pick the right liability insurance Germany for you.
You can also read how I could have saved 3569€ if I had signed up for German liability insurance early. (*suspenseful music starts*)
Liability insurance in Germany: TL;DR
This guide includes a lot of details about the topic but here are the main key points:
- Liability insurance is called Haftpflichtversicherung in Germany. It’s not mandatory by law but you should really get one. Policies only costs a few euros per month, so it’s really worth it.
- Private liability insurance pays for personal injury, property damage and financial losses that you have caused on others. Without them you have to bear such costs yourself. This can get expensive, especially if you hurt people.
- There are policies for single people, families/couples but also animals.
- Unlike a lot of services in Germany, you can switch providers every year, no strings attached. It’s a great way to find better service and pay less.
- GetSafe, Luko or Feather Insurance are English-speaking providers in Germany but it often pays off to compare all contracts on the market.
German liability insurance: a definition
Haftpflichtversicherung. The term refers to the private liability insurance in Germany. It’s a policy designed to cover you against damage claims when you cause an accident/incident. It covers you against 3 different types of damages:
- Personenschäden (person damage): when you injure someone physically.
- Sachschäden (property damage): when you destroy assets, belongings or property.
- Vermögensschäden (financial loss): when that third-party suffers financially, due to the consequences of the accident.
Accidents happen, but without personal liability insurance, you would have to bear the financial risks of those claims alone. You could risk personal bankruptcy after an accident, especially if you injure someone.
Good German liability insurance costs between €50 and €100 per year. Costs calculations (Beitragsberechnung) are based on:
- The extent of coverage (Deckungssumme).
- Whether you’re single/married and have children (Zielgruppe).
- The amount of your deductible (Selbstbehalt).
- Services you want included (Leistungseinschlüsse).
The people has spoken: an impressive 85% of Germany’s residents have this type of insurance!
What is covered by personal liability insurance in Germany?
Broadly speaking, liability insurance in Germany covers damages you inflict on a third-party. Some examples:
- Damage to persons: during your morning run, you bump into someone who falls and breaks their wrist.
- Damage to property & financial loss: you accidentally drop your friend’s laptop and they can’t do their freelance work for several weeks.
- Damage to a person, property & financial loss: travelling to the airport your suitcase rolls in front of a moving tram, causing an accident that injures several people, damages the tram and keeps dozens of people from getting to work.
This last example demonstrates why good coverage is really important; accidents involving public transportation can cost hundreds of thousands, if not millions! There is a consensus to you select an insurance with at least €50 million in total coverage and €10 million per injured person.
Some specific items are usually specifically not covers by default. In this case, you will need to sign up for additional coverage packages (Zusatzpakete) in order to cover the following scenarii:
- Schlüsselverlust (loss of work or private keys) – This policy covers the cost of replacing the building’s locks, which can get expensive for high-security facilities or large apartment complexes.
- Forderungsausfalldeckung (default on payment coverage) – If someone causes damages to you, but isn’t insured and can’t pay, then your insurance covers the costs instead.
- Tierhalter-Haftpflichtversicherung (pet liability insurance) – This is often required by dog training schools or landlords to cover damages by your pet. In Berlin, this is actually mandatory for dog owners too.
- Passiver Rechtsschutzversicherung (passive legal insurance) – If someone unjustly claims you caused damages and tries to collect, this covers the legal costs for your defense.
- Auslandsaufenthalt (coverage abroad) – This policy often differentiates between EU and worldwide travel.
- Haus- und Grundbesitzerhaftpflichtversicherung (house and property owner liability insurance) – Very important if you own your apartment!
- Coverage for your house construction project, like Bauherrenhaftpflicht and Bauleistungsversicherung, which cover damages to and on your construction site.
What is not usually covered by German personal liability insurance?
When you have liability insurance Germany becomes a much safer place, with protection against debilitating costs from an accident. But it’s also important to know which situations are NOT usually covered:
- Liability when driving or in motion (duh), which is instead covered by your car insurance (Kfz-Haftpflichtversicherung)
- Damages to your home, which are covered by a home-owner’s insurance (Hausratsversicherung)
- Situations where family members accidentally injure each other or themselves, which is instead covered by an accident insurance (Unfallversicherung)
- Damages related to your job, workplace, volunteer work, or company
- Most extreme sports or risky hobbies
- Fines and penalties, damages resulting from criminal offences
- Injuries to your own body that you (accidentally) inflict on yourself
- Intentionally caused damage
- Damages due to breach of contractual obligations
Who is covered under one policy
Most German liability insurance contracts cover only the person signing the contract (Versicherungsnehmer) as standard. Other packages exist to take family and household members into account. This means that if your spouse accidentally damages something while visiting friends, the costs are covered. Pay attention to policy details: some contracts only cover spouses & family members, thereby excluding non-married partners or roommates for example.
It’s another story for children. Legal restrictions for them are a bit different. German law states the following regarding children:
- Children under 7 years old cannot held liable for their actions/damages. In this case, nobody can come after them or you as a parent for compensation. That means you don’t need an extra policy for them.
- Between 7 & 10 years old, there is a grey area where children can be held liable in some cases.
- Between 10 & 18 years old, a child can held liable for their actions. In this case, the responsibility falls back onto you, as a parent.
Please note that the old saying “Parents pay for their children’s mistakes” is not necessarily true in Germany. That’s the only the case if it can be proved that the parents weren’t supervising their children at the time of accident (Aufsichtspflichtverletzung).
If a member of your household is considered unable to account for their actions because of a psychological condition, old age or handicap, the law would also not consider them liable.
How to find the right provider
If easy sign-up & English is more important
As you can imagine, there are thousands of options out there, which can be pretty overwhelming since everything is in German. If you want a little bit of guidance, transparent pricing and good coverage, all of it 100% in English (also for claims), I would recommend English-speaking liability insurance providers in Germany like GetSafe, Leko or Feather Insurance. Sign-up in a few minutes, get a confirmation right away and use an app to manage your contracts. It’s one of those of new players that don’t make you hate insurance.
If you want to find the best price
If you decide to go shopping on your own however, you can also turn to more traditional comparison platforms like TarifCheck for example.
Before you sign a contract, make sure you know these other common terms:
- Echter oder unechter Vermögensschaden: also referred to as „direkt oder indirekt“- damage to financial loss can happen through theft (direct) or when someone misses work or loses income due to the damages (indirect)
- Schmerzengeld: compensation for physical or psychological damages to a person
- Gefälligkeitshandlungen: compensation for physical or psychological damages to a person
- Beitragsfrei/beitragspflichtig mitversichert: no extra charge for coverage, or only offered for an extra fee
- Begrenzt/unbegrenzt: limited or unlimited policy coverage, check this in the small print
- Allmählichkeitsschäden: long-term damage, such as an injured person needing further treatment after an accident
- Best-Leistungs-Garantie: a best services guarantee is a promise from your insurance company to treat you at least as well as any other German insurance would.
- Forderungsausfall: think of this as extra protection in the case you have suffered damage through a third-party and this person does not have liability insurance to cover you. If you sign-up for this, your provider will close the insurance gap and cover you instead.
How to pay less for your insurance
Apply those tips to save a bit of money:
- Switch insurance every year: The German insurance contract act (Versicherungsvertragsgesetz – VVG) gives you freedom to change insurance providers every year, without any additional fee. Provided your hand in your cancellation notice 3 months before the end of the first contract-term (renewal date), you are free to shop for cheaper or better options. You also have a right to end your contract right-away if your provider raises its prices, without raising its coverage (VVG § 40).
- Pay in large installments: Most German liability insurance providers will give you an opportunity to pay with installments (yearly, monthly, quarterly). As a rule, you get a little discount on your contract if you pay for it in one yearly installment.
- Have a deductible: By increasing your deductible, you can significantly reduce your contract terms. 150€ is often thrown around in forums & FB groups to achieve that.
- Private liability insurance is a deductible expense in for your tax return in Germany. It’s called a Vorsorgeaufwendung (a precautionary expense)
How to terminate a contract
For the reasons mentioned above, you have the possibility to terminate your contract, provided the timing is right. You also have a special termination right if you are moving out of Germany, or if you have just been compensated during a recent damage (§ 92 VVG).
If you are with a digital provider, you can probably cancel your contract right from the app. If you need templates/letters to achieve this, here are some:
- Use this template in case you want to cancel your contract 3 months before the end of the contract term (tick first box).
- Use this template in case the provider raised its prices (tick second box) or if you have been just been compensated (tick third box).
- Use this template in case you are moving out abroad (tick first box). Indicate your move out date & send a copy of your Abmeldebestätigung with it.
Hope this intro on the topic helped you towards the best liability insurance Germany has to offer for your needs. Don’t hesitate to ask questions in the comments. And here is what happened to me:
Bastien
The night was still young as I was rushing to park my bike in front of my friend’s house. There was a house party and excitement in the air. A little accident happened just then and killed the mood right off. In the hurry to lock my bike up, I didn’t take time to stabilize it enough and it fell hard onto an old motorbike next to it, which also fell in turn. Damages weren’t too bad but the motorbike was a rare model; spare parts and workforce don’t come cheap. Goodbye 3569 euros. I still consider myself lucky though, it could have been much, much worse considered I had no liability insurance Germany.
Liability insurance Germany – FAQ
Unlike in some other countries like France, signing up for personal liability insurance is not mandatory in Germany. It’s only common sense to have coverage for the little accidents and unforeseeable events in life. However, some other types of liability insurance are required like car insurance or pet insurance for dogs.
No. A landlord cannot force you to take on a contract, even if it’s stated in the contract. That would not be legal. However, you can increase your chances to get a flat if you mention that you have both a liability insurance and a house insurance. Landlords love safe tenants.
It depends: you need to check the details of the contract. Some providers have different policies for single people or families. Some providers cover all those cases by default. Some providers only cover spouses/married partners.
You cancel your contract every year, provided you hand in your notice 3 months before the end of the first term/renewal date. You can also cancel your contract immediately if the provider is raising prices without providing more coverage. You can find letter templates for both those case in this post.
A good private liability insurance policy can be obtained for as little as 50 euros per year. The various insurance companies, however, differ in terms of both contributions and benefits, with the most expensive tariffs not always providing the best benefits. The covered sum in the event of damage, the insured areas of life, or what happens in case there is a default matter equally. As a result, comparing rates from private liability insurance companies makes sense.
Hi Bastien,
Great Post! I was just wondering if there is any provider with english support and perhaps app too that offers both house and liability insurance as 1 unit or a combined proposal so that I don’t need to buy each separately?
Hey Kelin. Both GetSafe & Feather can do that (as highlighted there), but they don’t bundle contracts, if that is what you mean.
What insurance would you recommend for a travelling classical musician with say a four hour window of work in Munchen- in Australia/Canada/UK/US it is simply: “public liability insurance” but the German law, which I have read, is rather confusing on what exactly is covered. Then of course for Frei Staat Bayern it has its own laws- thus which takes precedence – Bundes law or Staat law- in UK civil code it is very clear- the higher power takes precedence?
Really for Germans you should be ashamed your laws as exceptionally untidy, multiple redundancies, continual overlaps, unclear hierarchies- messier than a bowl of spaghetti. Did you get your laws from Italy?
Hello there. How about traveling insurance? Maybe there is a professional version of that? Don’t you have a policy from your home country that covers you anywhere you go?
Hi Bastien! Is there exist a haftpflichversicherung provider that doesn’t require to be registered in germany (maybe some more expensive one or some international one that works in Germany)?
I am moving to Berlin from abroad and looking for a flat now. Unfortunately, the demand is so high that for many flats not having liability insurance automatically means that you have no chances at all.
Hey there. Not in my knowledge. Maybe try to move to a flat share or other temporary accomodation first, to have your things in order (SCHUFA, insurance, Anmeldung, bank) before getting your own lfat.
Hi Bastien, I was just reading your article. Great article BTW. under the section “How to pay less for your insurance” you have written “have a deductible”. I was just going through the Getsafe Liability insurance website for a quote. In the process there is a step called “Choose your excess”, which gives me options 0 euro, 150 euro, 300 euro. Is this the same thing you have mentioned in your article as deductible?
Thank You.
Hey Akhil. Yes, that’s the same thing.
Hello,
Due to corona lockdown in Germany, i could not find full time as an Production Engineer neither an part time job for survival. But for my 18 months Job search Visa. I blocked the amount for 6 months. Auslanderbehörde is still asking me to show work contract for the Job search visa after studies. IF i do not show until 08.02.2021. They will send me back to my home country and basically i must get Visa until April,2022.
What do you think, Liability Insurance will help me in this case?
Thank you!!!
Hey Sumit. I don’t see any connection between your residence permit issues and liability insurance?
Nice article, to readers better to avoid getsafe, its good they speak English but their claim process will take ages, I had bad experience (not only me I have seen many bad reviews about them). They take ages to reply when you want to claim, so better stay away.
Hi! I can say the same thing about Coya!
Response after filing a claim is terrible. They are just not communicating back.
Unfortunately, I too booked Coya insurance after reading this article. But, it’s turning out quite regrettable decision. It’s also all over on their reviews on Google maps as well.
Not sure if these companies are acting like this due to corona or what. But as of now they are literally feeling like a scam.
Great blog!
I was wondering what kind of insurance you need when you’re a freelancer and working in the health industry? Do you know if I need public liability / indemnity insurance? Is this available here in Germany? I see a lot of personal liability but none pertaining to work and in particular health care.
For example, I give advice or treat someone and it turns out to cause damage (unintentionally), can I be sued for this?
Where I come from, we are covered by our governing body.
thanks in advance!
Hey Jess. I’m no specialist but you’d probably need a so called “Berufshaftpflichtversicherung”, try to google that with the name of your job/industry. This would typically protect you from medical errors and such.
Dear Bastien,
Thanks for the detailed information. I have one question and i.e. about false fire alarm in a building. So as a tenant do I need to pay the landlord in case of false fire alarm if the police and fire brigade people arrives and shuts the alarm off without any damage to the property?
Best Regards
Hey Vishal. It’s not really possible to answer on so little details, it might be if you were negligeant and made this happen repeatably. I don’t really have an answer here.
Hello Bastien, as I was doing my research found out personal liability insurance does not cover damages from normal wear and tear. If you live in a rented apartment, is there a different insurance you can get to cover such instances if they are not covered by the landlord contract? Thank you in advance.
Hey Ivan. I think you will maybe find this interesting.
Hi, my partner has been made redundant verbally – by July 2020. Nothing signed etc.
Can we get insurance and then claim for an Employment lawyer or not?
Sigh
Hey CW. Sorry, is this about ALG1? there is a post about that this way.
Hi Bastien, thanks a lot for your nice sharing.
Just yesterday, the fire department knocked our door cause we fried an egg. I tried to explain to them what happened and that we had no idea why the alarm rang while there was no such a dangerous accident.
Of course they didnt want to listen and kept writing down my name on a piece of paper.
Iam no waiting for the rechnung, if any. Will my liability insurance pay for this ?
Hey Muammar. Can’t reply on such a specific case on so little details. Sorry.
Hi,
Is the cleaning service covered when you leave the apartment under liability insurance.
Hey Saransh. Usually, that would be covered from the cleaning service company side.
Hi, great article! Question: I drilled a hole in the wall in the apartment I’m renting and accidentially hit the electric wire, and broke it. Now part of the apartment is without electricity due to that. What kind of insurance would cover that kind of (clumpsy) accident?
Cheers!
Hey JJ. Tough luck. That would probably be Hausratversicherung.
Hey Bastien. Hope you could help Me with an answer. I have my laptop to a next door typical small repair shop run by Turkish in 2018 August. After they looked at it they told me that they cannot fix it but they can put all information from my laptop to a hard disk if I bring one. I agreed to order one and then bring to them so they offered to me that they keep the laptop with them and when I have a hard disk I come back with it. I had a baby soon after so only this year I had time to get a hard disk. But between 2018 August and 2020, I have been going to them for other phone issues etc. They have seen me many times before. Now I when I came to them with hard disk they said that they do not have my laptop anymore. It’s just gone. I’m outraged! There is so much important information on there and if I knew I cannot trust them, I would have never took their advice and keep my laptop with them. The problem is – it is not insured since I never thought I would have such problem. Is there anything can be done? Can I sue them for destroying my property without letting me about it even in advance? Thank you so much for your answer.
Hey there Patricija. This post is about liability insurance, which would not be relevant for this case. As for the rest, you need to talk to a lawyer probably.
Dear Bastien, Great article! Absolutely going to go through all your posts now.
My situation: I will be living in Germany soon, for 6 months. And as a non-EU Guest Researcher, I am recommended by my University to buy something like a Mawista Student/Science offer (supposed to be good for short term foreign researchers). I can see that this offer includes ‘liability insurance’. It says “For property damage the insured amount is up to EUR 1,000,000 per person and up to EUR 250,000 for damage to rented property.”. My question:
1. Do you recommend I still take out a seperate liability insurance that also covers things like loss of keys?
2. In case all I would do is to live in a renter apartment or WG, am I correct in understanding that liability insurance (Haftpflichtversicherung) is enough for me?
3. I am asking because it seems to me that ‘Hausratsversicherung’ is fitted more when I OWN the place I live in, is that correct? Or for protection against me accidentally damaging things of a rented place, I need Hausratsversicherung as well?
Thanks! 🙂
1. Can’t really answer without knowing the details of your Mawista policy. Sorry.
2. You would need to take on a home contents insurance (Hausrat) to cover for things inside the apartment too probably. It’s for when you are living in the place, regardless of if you own it or if you rent it.
I think there is a distinction between “contents” insurance and the type of insurance that covers renters here. Sebastian can chime in, but having had the Mawista policy explained to me, my understanding is that it can only provide protection to objects that aren’t permanent fixtures (such as a toilet or window) in a rental property, unless that property is something like a hotel room or Airbnb that isn’t actually rented by you. In this case, you may need the Hausrat or at least in the case of some of the new options mentioned above like GetSafe, be sure that your individual policy is designed for renters or WG-livers. The Mawista policy does cover accidents described in this article or personal injury caused by you, so it is useful and not very expensive. Although bear in mind that most of the limits available in these other insurances are much higher than what they give for a cheaper annual price. So it may be best to get the bare bones policy and a more comprehensive form of liability.
Hi Bastien, Many thanks for this article. Which insurance would you recommend for personal effects such as a smartphone, mobile laptop and bicycle? Would Hausratversicherung cover these personal effects, even though they are often carried outside of the home?
Thank you in advance for your help.
Hey Jane. In most cases, Hausrat covers that, but it maybe only covering damages if they happen in your home.
HELLO,
It is a very helpful article especially for new comers in Germany. My sun is going to move to Aaachen for a semester in RWTH University (ERASMUS+) and the campus where he will be settled asks for Privathaftpflicht insurance. Could you please inform us about the cost, coverage and suggest maybe an insurance company ?
Thank you in advance
Hey Nikolia. I have given a recommendation in the post already. I think it’s a good offer.
Wow, this article covered almost everything I needed to know about Haftpflichtversicherung. I didn’t know about this kind of insurance and my new landlord just told me that is highly recommended.
I’ve just one last question for you: since I’m moving to a new apartment which is fully furnished (also with brand new stuff like washing machine, microwave etc..), I’d like to cover these items. Is this kind of insurance working for this purpose? I mean, does it cover also the damages to the landlord’s furniture?
Thanks 😀
Hey Ivan. You’d probably need to sign-up for Hausratversicherung, which covers the contents of your home.
Hai,
I burnt the kitchen wood sheet. I don’t have a liability insurance. But if I claim one now, is it possible to cover it by insurance.
I am a student and I am here just few months back. I am bit worried now.
Hey there. In general, insurance policies arent retroactive, so probably not possible no.
Hi there, wonderful article. I have a 2 part question for you, what is the difference between Haftpflichtversicherung vs Privathaftpflicht insurance? In your opinion which one makes more sense to have if you want to cover water and fire damage? We just recently moved into a Berlin flat and a week after there is water damage to our downstairs neighbor’s ceiling. who is liable to cover this, our landlord, who we are renting from or us? Thank you in advance.
Hey Ely. It’s hard to answer on such little details. It depends on why/how the damages happened. If it happened because of faulty set-up, pipes in the apartment, then it’s probably on the landlord’s policy. If it’s due to a mistake of yours, then probably you.
Thank you for your reply! I believe it is due to faulty pipes…The pipes sputter and vibrate when we use the shower (the landlord is aware of the issue, but is on a long holiday and won’t get back until August 1). :/ Can you run through the quick differences between hausratversicherungen vs privathaftpflicht?
Hey Ely. If it’s faulty pipes, then your landlord’s insurance covering it.
It was very informative article, Thanks:) I am staying in a rented house in Germany, I am looking for a liability insurance which can cover any damages that might occur accidentally to the rented house, for example, Any damages to the bathrooms, kitchen fittings or any objects in the house. Could you please suggest which type of insurance should be purchased.
Hey Ramesh. Are looking more for “home contents insurance” maybe? That would be “Hausratversicherung” as described there.
Hey Bastien, is there an insurance for Yoga teachers? Incase of an accident of my students or they sue you for injury etc?
Hey Kumar. I think you are looking for a professional liability insurance in this case then. “Beruf-Haftplicht” would be the keyword here but there is no policy meant for yoga teachers in particular. It’s a good idea to improve on this post, covering professional use. I will do that soon.
This is really a Nice Article. Thanks for the information.
I have one question. Some insurances like Axa says that ” 2 years without damage “. Do you what is this kind of plan ?
Any information regarding this would be helpful as Axa customer care do not speak english and they do not reply on emails.
Hey Vishal. I don’t really understand the sense of the question. I think some words are missing in there somewhere…
Hi Bastien, appreciate this information on liability insurance. I’m renting a gite in France and they have specifically asked for the insurance to cover fire and water damage. I am unable to find such specific information on any of the German insurance websites. Any recommendations or advice would be great. Thanks!
Hey Liz, in this case, you’d probably need a travel insurance of some sort, that covers house damages during this time.
Many thanks for this informative article. Will cover extend to when abroad? I still spend lots of time in Switzerland and was wondering if I need separate cover
Hey Kate, you’d need to check the conditions of your contract. Some of them do, some of them don’t.
Hey,
Nice article while choosing liability insurance. I came across Schlüsselverlust in which one insurance company is providing 30,000 euros and providing some other benefits and one insurance is providing 300,000 euros but it is providing some less benefits compared to the first one. While choosing which is the best as for any single person with no kids.
Hey Praneeth. This is a decision to make for yourself. Liability is also there to cover you from massive costs. When you think about it, 30 000 euros is not covering the costs of destroying a single car, if it ever came to that. I personally have coverage until 3 million.
This is a very good article , especially for new comers to Germany. I have a very similar question like Awais. I have just rented a fully furnished apartment in Munich and my family has just joined me to stay in the apartment. My daughter (2 years old) is very curious and plays with all the items in the flat ( wall hangings to TV to Electronic items, etc…) I already have Haftpflichtversicherung (Covering myself, Family members) and now planning to get Hausratversicherung as well. In case my daughter smashes the TV / Audio System/ Wall hanging etc.. in this flat, Will this liability Insurance cover these damages as well? Will my insurance pay the cost to my land lord? Please let me know.
Hey Amudhan. Yes, but make sure to look at conditions of your Hausrat contracts to see what’s included and what’s not.
Great article! I have Haftpflichtversicherung, do i then need a glass insurance? technically liability insurance should cover it right?
Hey Amos. Depends on the policy, sometimes it’s covered, sometimes it’s not and you would need an Hausrat on top.
hi, today on my rental apartment a fire accident occurred would like to know will it be covered in liability insurance
Hey Karthikeyan. That would be covered by Hausratversicherung typically. Sorry to hear about it.
Hello, that’s a really good article there.
Just one question. I live in a furnished, rented apartment. Would liability insurance cover anything that breaks in the house? Like if I break the TV by mistake, and since I don’t own that TV, would the insurance cover that?
and is there an amount? Like if the light bulb stopped working (because it’s old or whatever) and I want to get it repaired, would liability insurance cover that?
Hey Awais. That would actually fit “Hausratversicherung” better in this case as described here. You should also check what your contract says.
Hi
Im after public liability for my part time window clean business
So that would be a Berufhaftplficht then?
Hi Bastien,
I hope this message finds you well.
Your articles are so helpful and I am reading them like a scientific journal.
I will be studying in Berlin and I would like to buy liability insurance. However, I know there are many options. Do you recommend any? And, would it be possible for me to buy it before my arrival in Berlin, or, do I need a German bank account first?
Please advise,
Kind regards,
Qi
Hey Qi. I expect that you would need a German bank account first yes. Some companies like N26 allow you to open a bank account without being a resident in some cases. I cannot recommend you anything unfortunately as it really depends on many factors and the coverage you want, sorry.
Hello,
The information is very useful to me..thank you but I have a question. Yesterday only an accident happened to me. We were in friends house and while grinding something in mixer jar I forgot spoon in the jar…and I start the mixer and it got damaged and jar lid and blade are broken. So is it cover here? How can I claim this ?
Thank you in advance for your help
Hey Dhara. Can’t really tell on such little details and without knowing your exact policy unfortunately. 🙁 It’s possible yes but unless it’s a very expensive mixer, it maynot be worth it… Good luck with it!