Personal liability insurance for expats
The expat solution for everyone who no longer has a residence in Germany, for example in Cyprus.
After health insurance, personal liability insurance is one of the most important forms of cover in everyday life.
Even small mishaps can quickly lead to considerable financial damage. In Germany, the law states that anyone who causes damage to a third party is obliged to compensate them. This rule generally applies abroad as well, often under even stricter conditions.
Many traditional liability policies offer limited cover abroad, but require the policyholder to still have a residence in Germany. This is exactly where our solution comes in: our expat liability insurance protects you even if you already live abroad and no longer have a residence in Germany. A German correspondence address is not required either.
Within Europe, cover is unlimited in time. For countries outside Europe, cover applies for up to five years, with the option to extend it for a further five years.
Note: This expat liability insurance is an offer from our selected partners. We do not act as an insurer ourselves, but pass your enquiry on directly and without fuss to our partners.
General conditions
| Scope of cover | Exklusiv Vario 2 |
|---|---|
| Sum insured | EUR 10 million |
| General deductible (SB) per claim | EUR 150 |
| Stay abroad within Europe | unlimited in time |
| Stay abroad outside Europe | 5 years with option to extend |
The cover in detail
Sums insured
| Personal injury | EUR 10 million |
|---|---|
| Property damage | EUR 10 million |
| Financial loss | EUR 5 million |
| Annual aggregate limit | 3 times |
| Damage to rented property | EUR 10 million |
| Precautionary insurance | EUR 10 million |
| Water pollution damage – facility risk | EUR 3 million |
| Water pollution damage – residual risk | EUR 3 million |
Motor vehicles: cover for
| Use of motor vehicles on non-public roads | included |
|---|---|
| Use of motor vehicles up to 6 km/h | included |
| Use of mobility scooters, work machinery etc. up to 20 km/h | included |
| Use of remote-controlled model aircraft up to 15 km/h | included |
| Use of model aircraft up to 5 kg | included |
| Use of surfboards | included |
| Temporary use of other people’s sailing boats (up to 10 m² sail area) | included |
Animals
| Riding other people’s horses, driving other people’s carts (private use) | included |
|---|---|
| Looking after other people’s dogs (non-commercial, excluding dangerous dogs) | included |
Other
| Permitted possession of weapons | included |
|---|---|
| Work as a childminder, up to 6 children | included |
| Provision of bail within Europe | included |
| Loss of private house keys/work keys | EUR 30,000 / deductible EUR 500* |
| Taking part in practical vocational training | EUR 6,000 / deductible EUR 125* |
| Damage to borrowed, rented etc. property of others | EUR 3,000 / deductible EUR 500* |
| Damage arising from acts of courtesy | EUR 30,000 |
| Cover for uncollectable claims (from damage of EUR 2,500) | included |
| Performance guarantee compared with the GDV standard (AHB) | included |
| Future improvements to terms (AHB) | included |
Additional benefits/persons covered in the Family variant
| Partner in a relationship akin to marriage (and children) | |
|---|---|
| (Grand)parents living in the same household | included |
| Children during vocational training or studies | included |
| Children during voluntary military service, waiting periods etc. | max. 12 months |
| Children whose care is ordered by a court | included |
| Recourse claims by social insurance carriers | included |
| Single persons living in the same household | included |
| Precautionary cover, e.g. after divorce | max. 3 months |
| Damage caused by children who cannot be held liable in tort | EUR 30,000 / deductible EUR 150* |
*If a separate deductible is agreed for covered risks, it applies in addition to the general deductible.
Annual premium
| Expat Liability Single | Expat Liability Family | |
|---|---|---|
| Annual premium | EUR 79.73 | EUR 109.48 |
Annual premium including insurance tax
Popular destinations
What expats in these countries should know about liability insurance:
Contact
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