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Personal liability insurance (Privathaftpflicht) in Germany: every tariff, every wording
This archive holds the policy wordings of every provider on the German market that we could find, in full and checked against 55 points. Every value cites the clause it comes from. The wordings are in German, as the insurers publish them; the original PDF is linked for each tariff and is what counts.
German market: tariffs for people living in Germany.
Why we publish this
Comparison sites sort by price and check a handful of points. Whether a claim gets paid is decided in the small print. As brokers we read wordings anyway; here you and any search engine can read along. Providers we cannot place business with are included too, because a correct answer matters more than a sale.
Key points side by side
Open a tariff for all 55 points and the full text.
| Provider and tariff | Sum insured | Young children | Default cover | Work keys | Rented items on holiday | Excess | Edition |
|---|---|---|---|---|---|---|---|
| ADACVersicherung Basis | yes, up to EUR 10 millionBesondere Informationen, page 10 | not addressed | not addressed | noInformationsblatt, Was ist nicht versichert?, page 1 | yes, up to EUR 30,000, excess EUR 100Ziff. 3.2 E) 7.2, page 11 | noneBesondere Informationen, page 10 | 08/2026 (Versicherungsbeginn ab 01.08.2026) |
| ADACVersicherung Exklusiv | yes, up to EUR 50 millionBesondere Informationen, page 10 | yes, up to the sum insuredZiff. 3.3.2.5, page 14 | yes, up to the sum insuredZiff. 3.2 F) 11.1 (2), page 12 | yes, up to the sum insuredZiff. 3.2 F) 10.2, page 12 | yes, up to the sum insuredZiff. 3.2 F) 7.1, page 11 | noneBesondere Informationen, page 10 | 08/2026 (Versicherungsbeginn ab 01.08.2026) |
| Adam RieseL | as stated in the policy scheduleA1-5.1, page 4 | yes, up to EUR 10,000A1-2.1.2, page 3 | yes, up to the sum insuredA3-3.4, page 14 | noA1-6.20.3 (3), page 10 | yes, up to EUR 10,000, excess EUR 250A1-6.6.2, page 6 | noneA1-5.4, page 4 | 08.10.2019 |
| Adam RieseXL | as stated in the policy scheduleA1-5.1, page 4 | yes, up to EUR 50,000A1-2.1.2, page 3 | yes, up to the sum insuredA3-3.4, page 16 | yes, up to EUR 200,000A1-6.20.1, page 10 | yes, up to EUR 200,000, excess EUR 250A1-6.6.2, page 7 | noneA1-5.4, page 4 | 08.10.2019 |
| Adam RieseXXL | as stated in the policy scheduleA1-5.1, page 4 | yes, up to EUR 500,000A1-2.1.2, page 3 | yes, up to the sum insuredA3-3.1, page 17 | yes, up to EUR 500,000A1-6.20.1, page 10 | yes, up to the sum insuredA1-6.6.2, page 7 | noneA1-5.4, page 5 | 08.10.2019 |
| Allianz DirectDirect | as stated in the policy scheduleTeil A.1 Ziffer 8, page 8 | yes, up to the sum insuredTeil A.1 Ziffer 1, Leistungen in besonderen Fällen, page 3 | yes, up to the sum insuredTeil A.1 Ziffer 3, page 4 | not addressed | yes, up to the sum insuredTeil A.1 Ziffer 1, Miete, page 2 | not addressedTeil A.1 Ziffer 9, page 8 | 03/2024 |
| Allianz DirectDirect Plus | as stated in the policy scheduleTeil A.1 Ziffer 8, page 8 | yes, up to the sum insuredTeil A.1 Ziffer 1, Leistungen in besonderen Fällen, page 3 | yes, up to the sum insuredTeil A.1 Ziffer 3, page 4 | yes, up to the sum insuredTeil A.2 Ziffer 1, Schlüssel, page 9 | yes, up to the sum insuredTeil A.1 Ziffer 1, Miete, page 2 | not addressedTeil A.1 Ziffer 9, page 8 | 03/2024 |
| ALTE LEIPZIGERclassic | yes, up to EUR 20 millionII Deklaration der versicherten Sachen, page 3 | yes, up to EUR 50,000A 1-6.21.2, page 23 | yes, up to EUR 3 millionA 3-3.2, A 3-3.4, page 31 | yes, up to EUR 100,000A 1-6.20.1 c), A 1-6.20.4, page 22 | yes, up to the sum insuredA 1-6.6.2 b), page 17 | noneA 1-5.4, page 14 | S H7.2, 03.2021 |
| ALTE LEIPZIGERcomfort | yes, up to EUR 50 millionII Deklaration der versicherten Sachen, page 3 | yes, up to EUR 100,000A 1-6.21.2, page 23 | yes, up to EUR 5 millionA 3-3.2, A 3-3.4, page 31 | yes, up to the sum insuredA 1-6.20.1 c), A 1-6.20.4, page 22 | yes, up to the sum insuredA 1-6.6.2 b), page 17 | noneA 1-5.4, page 14 | S H7.2, 03.2021 |
| ALTE LEIPZIGERcompact | yes, up to EUR 10 millionII Deklaration der versicherten Sachen, page 3 | yes, up to EUR 5,000A 1-6.21.2, page 23 | yes, up to EUR 2 millionA 3-3.2, A 3-3.4, page 31 | yes, up to EUR 5,000A 1-6.20.1 c), A 1-6.20.4, page 22 | yes, up to the sum insuredA 1-6.6.2 b), page 17 | noneA 1-5.4, page 14 | S H7.2, 03.2021 |
| AmmerländerExcellent-Schutz | yes, up to EUR 100 millionLeistungseinschlüsse, page 9 | yes, up to the sum insuredA1-6.20.1, page 27 | yes, up to the sum insuredA3-3.1, page 36 | yes, up to the sum insuredA1-6.19.1, page 27 | yes, up to the sum insuredA1-6.6.2, page 21 | noneA1-5.4, page 18 | 02.2026 |
| ARAGSchutz Basis | yes, up to EUR 15 millionLeistungsübersicht, Versicherungssummen, page 3 | yes, up to EUR 50,000B1-6.19, page 39 | yes, up to the sum insuredB3-1.2, page 45 | yes, up to EUR 50,000B1-6.18 (Höchstersatz 50.000 Euro), page 38 | noB1-6.6.2, page 33 | noneB1-5.4, page 29 | Stand 11.2021, Druck A071 07.2025 |
| ARAGSchutz Komfort | yes, up to EUR 30 millionLeistungsübersicht, Versicherungssummen (Personenschaden maximal 15 Mio. €), page 3 | yes, up to EUR 100,000B1-6.19, page 39 | yes, up to the sum insuredB3-1.2, page 45 | yes, up to EUR 100,000B1-6.18 (Höchstersatz 100.000 Euro), page 38 | yes, up to the sum insuredB1-6.6.2, page 33 | noneB1-5.4, page 29 | Stand 11.2021, Druck A071 07.2025 |
| ARAGSchutz Premium | yes, up to EUR 60 millionLeistungsübersicht, Versicherungssummen (Personenschaden maximal 20 Mio. €), page 3 | yes, up to the sum insuredB1-6.19, page 39 | yes, up to the sum insuredB3-1.2, page 45 | yes, up to the sum insuredB1-6.18 (Höchstersatz Versicherungssumme), page 38 | yes, up to the sum insuredB1-6.6.2, page 33 | noneB1-5.4, page 29 | Stand 11.2021, Druck A071 07.2025 |
| AXAbasis | yes, up to EUR 10 millionTeil A Abschnitt 1 Ziffer 5.1., page 3 | not addressed | not addressed | not addressed | noTeil A Abschnitt 1 Ziffer 6.6.1., page 4 | noneTeil A Abschnitt 1 Ziffer 5.4., page 3 | 04.22 |
| AXAkomfort | yes, up to EUR 60 millionTeil A Abschnitt 1 Ziffer 5.1., page 4 | yes, up to EUR 30,000Teil A Abschnitt 1 Ziffer 6.20., page 7 | yes, up to EUR 60 millionTeil A Abschnitt 3 Ziffer 1.5., page 11 | yes, up to EUR 100,000Teil A Abschnitt 1 Ziffer 6.19., page 7 | yes, up to the sum insuredTeil A Abschnitt 1 Ziffer 6.6.1., page 4 | noneTeil A Abschnitt 1 Ziffer 5.4., page 4 | 04.22 |
| AXAkompakt | yes, up to EUR 30 millionTeil A Abschnitt 1 Ziffer 5.1., page 3 | yes, up to EUR 15,000Teil A Abschnitt 1 Ziffer 6.20., page 6 | yes, up to EUR 30 million, excess EUR 1,000Teil A Abschnitt 3 Ziffer 1.5., page 10 | yes, up to EUR 30,000Teil A Abschnitt 1 Ziffer 6.19., page 6 | yes, up to the sum insuredTeil A Abschnitt 1 Ziffer 6.6.1., page 4 | noneTeil A Abschnitt 1 Ziffer 5.4., page 4 | 04.22 |
| BarmeniaGothaerBarmenia Basis-Schutz | as stated in the policy scheduleA1-5.1, page 8 | yes, up to EUR 3,000, excess EUR 150A1-6.3, page 9 | yes, up to the sum insuredA3-3.3, page 15 | not addressed | noA1-6.11, page 9 | not addressedA1-5.4, page 8 | Stand 01.09.2021 (A 3791-01 09/2021) |
| BarmeniaGothaerBarmenia Premium-Schutz | as stated in the policy scheduleA1-5.1, page 8 | yes, up to the sum insuredA1-6.3.1, page 9 | yes, up to the sum insuredA3-1.2, page 22 | yes, up to the sum insuredA1-6.14.1 b), page 11 | yes, up to the sum insuredA1-6.12.2, page 11 | not addressedA1-5.4, page 8 | Stand 01.01.2023 (A 3789-02 01/2023) |
| BGVBasis | yes, up to EUR 7,500,000Verkürzte Leistungsübersicht, page 7 | noVerkürzte Leistungsübersicht, page 7 | noVerkürzte Leistungsübersicht, page 7 | noVerkürzte Leistungsübersicht, page 7 | noVerkürzte Leistungsübersicht, page 7 | noneA1-5.4, page 11 | 12/2021 |
| BGVExklusiv | yes, up to EUR 50 millionVerkürzte Leistungsübersicht, page 7 | yes, up to EUR 100,000A1-6.18 (1), (4), page 15 | yes, up to the sum insuredA1-6.21.3 (3), page 16 | yes, up to EUR 50,000A1-6.19.1, A1-6.19.4, page 15 | yes, up to EUR 1 millionA1-6.6.2 (1), (3), page 12 | noneA1-5.4, page 11 | 12/2021 |
| BGVKlassik | yes, up to EUR 10 millionVerkürzte Leistungsübersicht, page 7 | yes, up to EUR 5,000A1-6.18 (1), (4), page 15 | yes, up to the sum insuredA1-6.21.3 (3), page 16 | yes, up to EUR 25,000A1-6.19.1, A1-6.19.4, page 15 | noVerkürzte Leistungsübersicht, page 7 | noneA1-5.4, page 11 | 12/2021 |
| ContinentaleProtectionPlus TOP2024 | yes, up to EUR 50 millionLeistungsübersicht Ziffer 7, page 4 | yes, up to EUR 100,000A1-2.1, Regelung zu deliktsunfähigen Personen, page 11 | yes, up to the sum insuredA3-3.4, page 33 | yes, up to EUR 300,000A1-6.18.2, page 23 | yes, up to EUR 50,000A1-6.6.2.1, page 16 | noneLeistungsübersicht Ziffer 7, page 4 | 01.10.2024 |
| ContinentaleProtectionPlus XL2024 | yes, up to EUR 15 millionLeistungsübersicht Ziffer 7, page 4 | yes, up to EUR 20,000A1-2.1, Regelung zu deliktsunfähigen Personen, page 11 | noA3, page 29 | noA1-6.18.1, page 21 | yes, up to EUR 500A1-6.6.2.1, page 15 | noneLeistungsübersicht Ziffer 7, page 4 | 01.10.2024 |
| ContinentaleProtectionPlus XXL2024 | yes, up to EUR 50 millionLeistungsübersicht Ziffer 7, page 4 | yes, up to EUR 50,000A1-2.1, Regelung zu deliktsunfähigen Personen, page 11 | yes, up to the sum insuredA3-3.4, page 32 | yes, up to EUR 200,000A1-6.18.2, page 22 | yes, up to EUR 30,000A1-6.6.2.1, page 15 | noneLeistungsübersicht Ziffer 7, page 4 | 01.10.2024 |
| CosmosDirektBasis | as stated in the policy scheduleAHB Ziffer 6.1, page 4 | yes, up to EUR 10,000BBR PHV Ziffer 3.1.2, page 11 | yes, up to the sum insuredBBR PHV Ziffer 22.2, page 16 | noBBR PHV Ziffer 24.2, page 17 | noAHB Ziffer 7.6, page 5 | noneAHB Ziffer 6.4, page 4 | 06.24 |
| CosmosDirektComfort | as stated in the policy scheduleAHB Ziffer 6.1, page 4 | yes, up to EUR 50,000BBR PHV Ziffer 3.1.2, page 11 | yes, up to the sum insuredBBR PHV Ziffer 22.2, page 16 | yes, up to the sum insuredBBR PHV Ziffer 21.1, page 16 | yes, up to EUR 50,000BBR PHV Ziffer 8.2.1, page 13 | noneAHB Ziffer 6.4, page 4 | 06.24 |
| DA DirektPrivatSchutz Basis | yes, up to EUR 5 millionDeckungskonzept, Versicherungssumme, page 1 | not addressed | yes, up to the sum insuredBBR-PHV 5.4 (Vorsatztaten ausgeschlossen, 5.6.3.5), page 36 | noBBR-PHV 11.1 (berufliche Schlüssel nur mit AH011-02 ab Komfort), page 39 | not addressed | noneDeckungskonzept, Selbstbeteiligung (wählbar 0, 150 oder 250 EUR), page 2 | 04/2025 |
| DA DirektPrivatSchutz Komfort | yes, up to EUR 20 millionDeckungskonzept, Versicherungssumme, page 1 | yes, up to EUR 100,000AH028-01 (Sachschäden bis 100.000 EUR, Personen- und Vermögensschäden bis 500.000 EUR laut Deckungskonzept), page 45 | yes, up to the sum insuredBBR-PHV 5.4 (Vorsatztaten ausgeschlossen, 5.6.3.5), page 36 | yes, up to EUR 25,000, excess EUR 150AH011-02 (25.000 EUR, SB 150 EUR laut Deckungskonzept), page 44 | yesAH017-02, page 44 | noneDeckungskonzept, Selbstbeteiligung (wählbar 0, 150 oder 250 EUR), page 2 | 04/2025 |
| DA DirektPrivatSchutz Top | yes, up to EUR 50 millionDeckungskonzept, Versicherungssumme, page 1 | yes, up to EUR 100,000AH028-01 (Sachschäden bis 100.000 EUR, Personen- und Vermögensschäden bis 500.000 EUR laut Deckungskonzept), page 45 | yes, up to the sum insuredBBR-PHV 5.4 (Vorsatztaten ausgeschlossen, 5.6.3.5; Gewaltopferschutz bei Personenschäden über AH025-01), page 36 | yes, up to EUR 250,000AH011-02 (250.000 EUR laut Deckungskonzept), page 44 | yesAH017-02, page 44 | noneDeckungskonzept, Selbstbeteiligung (wählbar 0, 150 oder 250 EUR), page 2 | 04/2025 |
| degeniaDEG-Kopter-Profi T26 | yes, up to EUR 25 millionA 1-5.1, page 32 | yes, up to the sum insuredA 1-6.21.2, page 43 | yes, up to the sum insuredA 3-3.4, page 52 | yes, up to the sum insuredA 1-6.20.1 c), page 43 | yes, up to the sum insuredA 1-6.6.2 b), page 37 | noneA 1-5.4, page 32 | Juni 2026 |
| degeniaDEG-T26 classic | yes, up to EUR 10 millionA 1-5.1, page 34 | yes, up to EUR 10,000A 1-6.21.2, page 46 | yes, up to the sum insured, excess EUR 2,500A 3-3.4, page 57 | yes, up to EUR 15,000A 1-6.20.1 c), page 46 | yes, up to the sum insuredA 1-6.6.2 b), page 40 | noneA 1-5.4, page 34 | Juni 2026 |
| degeniaDEG-T26 optimum | yes, up to EUR 50 millionA 1-5.1, page 34 | yes, up to the sum insuredA 1-6.21.2, page 46 | yes, up to the sum insuredA 3-3.4, page 57 | yes, up to the sum insuredA 1-6.20.1 c), page 46 | yes, up to the sum insuredA 1-6.6.2 b), page 40 | noneA 1-5.4, page 34 | Juni 2026 |
| degeniaDEG-T26 premium | yes, up to EUR 50 millionA 1-5.1, page 34 | yes, up to EUR 100,000A 1-6.21.2, page 46 | yes, up to the sum insuredA 3-3.4, page 57 | yes, up to EUR 200,000A 1-6.20.1 c), page 46 | yes, up to the sum insuredA 1-6.6.2 b), page 40 | noneA 1-5.4, page 34 | Juni 2026 |
| DEVKBasis | yes, up to EUR 20 millionProduktbeschreibung, page 8 | yes, up to EUR 50,000A1 Ziffer 11.11.1 und 11.11.4, page 32 | noA1 Ziffer 11.1.3, page 24 | noA1 Ziffer 11.27, page 38 | noA1 Ziffer 6.3.3, page 16 | noneProduktbeschreibung, page 8 | Versicherungsbedingungen Stand 01.04.2025, Formular 41064/06/2026 |
| DEVKKomfort | yes, up to EUR 50 millionProduktbeschreibung, page 8 | yes, up to EUR 100,000A1 Ziffer 11.11.1 und 11.11.4, page 32 | yes, up to EUR 5 million, excess EUR 1,000A1 Ziffer 11.1.3, page 24 | yes, up to EUR 20,000, excess EUR 150A1 Ziffer 11.27, page 38 | yes, up to the sum insuredA1 Ziffer 6.3.3, page 16 | not addressedProduktbeschreibung, page 8 | Versicherungsbedingungen Stand 01.04.2025, Formular 41064/06/2026 |
| DEVKPremium | yes, up to EUR 100 millionProduktbeschreibung, page 8 | yes, up to EUR 250,000A1 Ziffer 11.11.1 und 11.11.4, page 32 | yes, up to EUR 10 million, excess EUR 1,000A1 Ziffer 11.1.3, page 24 | yes, up to EUR 50,000A1 Ziffer 11.27, page 38 | yes, up to the sum insuredA1 Ziffer 6.3.3, page 16 | not addressedProduktbeschreibung, page 8 | Versicherungsbedingungen Stand 01.04.2025, Formular 41064/06/2026 |
| DFVHaftpflichtSchutz | as stated in the policy scheduleB 8, page 10 | yesB 5, page 7 | yesB 15, page 12 | yesB 7.5, page 9 | not addressed | noneB 9, page 10 | 01.07.2025 |
| DFVKombiSchutz | as stated in the policy scheduleB 8, page 10 | yesB 5, page 7 | yesB 15, page 12 | yesB 7.5, page 9 | not addressed | noneB 9, page 10 | 01.07.2025 |
| die BayerischeKomfort | yes, up to EUR 25 millionBBR PHV 2026 Abschnitt A Ziffer 5 a), page 13 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 2.1 h), page 10 | yes, up to the sum insuredBBR PHV 2026 Abschnitt C Ziffer 3 a), page 71 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 6.21, page 41 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 6.6 b), page 24 | noneBBR PHV 2026 Abschnitt A Ziffer 5 d), page 14 | 09/2026, 10/2025 |
| die BayerischePrestige | yes, up to EUR 50 millionBBR PHV 2026 Abschnitt A Ziffer 5 a), page 13 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 2.1 h), page 10 | yes, up to the sum insuredBBR PHV 2026 Abschnitt C Ziffer 3 a), page 71 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 6.21, page 41 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 6.6 b), page 24 | noneBBR PHV 2026 Abschnitt A Ziffer 5 d), page 14 | 09/2026, 10/2025 |
| die BayerischePrestige Plus | yes, up to EUR 100 millionBBR PHV 2026 Abschnitt A Ziffer 5 a), page 13 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 2.1 h), page 10 | yes, up to the sum insuredBBR PHV 2026 Abschnitt C Ziffer 3 a), page 71 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 6.21, page 42 | yes, up to the sum insuredBBR PHV 2026 Abschnitt A Ziffer 6.6 b), page 24 | noneBBR PHV 2026 Abschnitt A Ziffer 5 d), page 14 | 09/2026, 10/2025 |
| die BayerischeSmart | yes, up to EUR 10 millionBBR PHV 2026 Abschnitt A Ziffer 5 a), page 13 | noBBR PHV 2026 Abschnitt A Ziffer 2.1 h), page 9 | yes, up to the sum insuredBBR PHV 2026 Abschnitt C Ziffer 3 d), page 71 | yes, up to EUR 50,000BBR PHV 2026 Abschnitt A Ziffer 6.21, page 41 | yes, up to EUR 10,000BBR PHV 2026 Abschnitt A Ziffer 6.6 b), page 24 | noneBBR PHV 2026 Abschnitt A Ziffer 5 d), page 14 | 09/2026, 10/2025 |
| Die HaftpflichtkasseEinfach Besser | yes, up to EUR 50 millionTarifunterlagen PHV, Jahresbeiträge, page 6 | yes, up to EUR 500,000A4-6.21, page 31 | yes, up to the sum insuredA3-3.1, page 25 | yes, up to EUR 500,000A4-6.23.2, page 31 | yes, up to EUR 500,000A4-6.6.3, page 29 | noneA4-5.3, page 27 | 01/2026, 01/2025 |
| Die HaftpflichtkasseEinfach Gut | yes, up to EUR 25 millionTarifunterlagen PHV, Jahresbeiträge, page 6 | yes, up to EUR 10,000A1-6.19, page 17 | yes, up to the sum insuredA3-3.1, page 25 | yes, up to EUR 5,000A1-6.21 (2), page 17 | yes, up to EUR 10,000A1-6.6.2, page 16 | noneA1-5.3, page 14 | 01/2026, 01/2025 |
| Die HaftpflichtkasseEinfach Komplett | yes, up to EUR 70 millionTarifunterlagen PHV, Jahresbeiträge, page 6 | yes, up to the sum insuredA5-6.21, page 44 | yes, up to the sum insuredA3-3.1, page 25 | yes, up to the sum insuredA5-6.23.2, page 45 | yes, up to the sum insuredA5-6.6.3, page 42 | noneA5-5.3, page 40 | 01/2026, 01/2025 |
| DOCURAPROTECT 2020 | yes, up to EUR 25 millionLeistungsmerkmale, Versicherungssummen (PROTECT 25 oder 50 Mio. €); Personenschäden je Person höchstens 15 Mio. €, page 8 | yes, up to the sum insuredA1-6.21.1 (PROTECT Ziff. 2: Versicherungssumme), page 34 | yes, up to the sum insuredA3-1.3 b) (auch Hunde, Pferde und Kfz des Schädigers), page 43 | yes, up to the sum insuredPROTECT Ziff. 7, page 74 | yes, up to the sum insuredA1-6.6.1 b), page 26 | noneA1-5.4, page 22 | 01/2021 |
| DOCURASmart 2020 | yes, up to EUR 15 millionLeistungsmerkmale, Versicherungssummen (SMART 15 Mio. €); Personenschäden je Person höchstens 15 Mio. €, page 8 | yes, up to EUR 100,000A1-6.21.1 (Höchstersatz 100.000 EUR), page 34 | yes, up to the sum insuredA3-1.3 b) (auch Hunde, Pferde und Kfz des Schädigers), page 43 | yes, up to EUR 30,000A1-6.20.1 d), page 33 | yes, up to the sum insuredA1-6.6.1 b), page 26 | noneA1-5.4, page 22 | 01/2021 |
| DomcuraKomfort-Schutz | yes, up to EUR 10 millionII B1 Ziffer 3.3.1, page 31 | yes, up to EUR 500,000II B2 Ziffer 3.1, page 54 | yes, up to the sum insuredII B1 Ziffer 4.18.3, page 44 | yes, up to EUR 30,000II B2 Ziffer 2.6.1, page 54 | yes, up to EUR 50,000, excess EUR 150II B2 Ziffer 2.2, page 52 | noneII B1 Ziffer 3.3.4, page 32 | 01.11.2024 |
| DomcuraStandard-Schutz | yes, up to EUR 5 millionII B1 Ziffer 3.3.1, page 31 | not addressed | yes, up to the sum insuredII B1 Ziffer 4.18.3, page 44 | noII B1 Ziffer 4.16.1, page 42 | yes, up to EUR 10,000, excess EUR 150II B1 Ziffer 4.6.2, page 36 | noneII B1 Ziffer 3.3.4, page 32 | 01.11.2024 |
| DomcuraTop-Schutz | yes, up to EUR 50 millionII B1 Ziffer 3.3.1, page 31 | yes, up to EUR 20 millionII B3 Ziffer 3.1, page 54 | yes, up to the sum insuredII B1 Ziffer 4.18.3, page 44 | yes, up to the sum insuredII B3 Ziffer 2.6.1, page 54 | yes, up to the sum insuredII B3 Ziffer 2.2.1, page 59 | noneII B1 Ziffer 3.3.4, page 32 | 01.11.2024 |
| FahrlehrerversicherungBasis | as stated in the policy scheduleAHB Ziff. 6.1, page 4 | yes, up to EUR 5,000BBR Basis Ziff. 1.5, page 14 | not addressed | not addressed | noAHB Ziff. 7.6, page 5 | not addressedAHB Ziff. 6.4, page 4 | AHB Stand Februar 2014, BBR Basis Stand Januar 2017, BBR Komfort Stand August 2018 |
| FahrlehrerversicherungKomfort | as stated in the policy scheduleAHB Ziff. 6.1, page 4 | yes, up to EUR 10,000BBR Komfort Ziff. 1.5, page 19 | yes, up to EUR 2,500,000BBR Komfort Ziff. 9.4, page 27 | yes, up to EUR 20,000BBR Komfort Ziff. 2.7, page 21 | yes, up to EUR 5,000BBR Komfort Ziff. 2.5, page 20 | not addressedAHB Ziff. 6.4, page 4 | AHB Stand Februar 2014, BBR Basis Stand Januar 2017, BBR Komfort Stand August 2018 |
| GEVCare Plus Max | as stated in the policy scheduleA1-5.1, page 5 | yes, up to the sum insuredA1-6.22.2, page 14 | yes, up to the sum insuredA3-3.1, page 19 | yes, up to the sum insuredA1-6.20.1, page 12 | yes, up to EUR 200,000A1-6.6.3, page 8 | noneA1-5.4, page 5 | 2025 |
| GEVCare Plus Smart | as stated in the policy scheduleA1-5.1, page 5 | not addressed | yes, up to the sum insured, excess EUR 5,000A3-3.1, page 15 | yes, up to EUR 20,000A1-6.20.1, page 10 | noA1-7.5, page 12 | noneA1-5.4, page 5 | 2025 |
| GEVCare Plus Top | as stated in the policy scheduleA1-5.1, page 5 | yes, up to EUR 100,000A1-6.22.1, page 12 | yes, up to the sum insured, excess EUR 2,000A3-3.1, page 16 | yes, up to EUR 100,000A1-6.20.1, page 11 | yes, up to EUR 50,000A1-6.6.3, page 7 | noneA1-5.4, page 5 | 2025 |
| GEVProtect+ Basis | as stated in the policy scheduleA1-5.1, page 5 | yes, up to EUR 10,000A1-6.22.1, page 11 | yes, up to the sum insured, excess EUR 2,500A3-3.1, page 16 | yes, up to EUR 20,000A1-6.20.1, page 11 | noA1-7.5, page 13 | noneA1-5.4, page 5 | 2025 |
| GEVProtect+ Kompakt | as stated in the policy scheduleA1-5.1, page 5 | yes, up to the sum insuredA1-6.22.1, page 12 | yes, up to the sum insuredA3-3.1, page 17 | yes, up to EUR 200,000A1-6.20.1, page 12 | yes, up to EUR 100,000A1-6.6.3, page 7 | noneA1-5.4, page 5 | 2025 |
| GEVProtect+ Premium | as stated in the policy scheduleA1-5.1, page 5 | yes, up to the sum insuredA1-6.22.2, page 14 | yes, up to the sum insuredA3-3.1, page 20 | yes, up to the sum insuredA1-6.20.1, page 12 | yes, up to the sum insuredA1-6.6.3, page 8 | noneA1-5.4, page 5 | 2025 |
| GothaerPrivat Kompakt Basis | as stated in the policy scheduleB1-5.1 (Höhe laut Antrag und Versicherungsschein), page 23 | yes, up to EUR 100,000B1-6.1.2 (Deliktunfähigkeit, z. B. §§ 827, 828 BGB), page 25 | yes, up to the sum insuredB1-6.22.1 b) (Mindestschadenhöhe 2.000 Euro), page 33 | yes, up to EUR 10,000B1-6.1.1 a), page 24 | yes, up to the sum insuredB1-6.6.1 (Hotelzimmer, Ferienwohnungen und -häuser), page 27 | noneB1-5.4, page 23 | 09/2026 |
| GothaerPrivat Kompakt Klassik | as stated in the policy scheduleB1-5.1 (Höhe laut Antrag und Versicherungsschein), page 24 | yes, up to EUR 1 millionB1-6.1.2 (Deliktunfähigkeit, z. B. §§ 827, 828 BGB) ; Personenschäden bis zur Deckungssumme, page 26 | yes, up to the sum insuredB1-6.22.1 b) (Mindestschadenhöhe 1.000 Euro), page 37 | yes, up to EUR 100,000B1-6.1.1 a) (Höchstersatz 100.000 Euro), page 25 | yes, up to the sum insuredB1-6.6.1 (Hotelzimmer, Ferienwohnungen und -häuser), page 29 | noneB1-5.4, page 24 | 09/2026 |
| GothaerPrivat Kompakt Plus | as stated in the policy scheduleB1-5.1 (Höhe laut Antrag und Versicherungsschein), page 24 | yes, up to the sum insuredB1-6.1.2 (Deliktunfähigkeit, z. B. §§ 827, 828 BGB), page 26 | yes, up to the sum insuredB1-6.22.1 b), page 38 | yes, up to EUR 500,000B1-6.1.1 a), page 25 | yes, up to the sum insuredB1-6.6.1 (Hotelzimmer, Ferienwohnungen und -häuser), page 30 | noneB1-5.4, page 24 | 09/2026 |
| GothaerPrivat Kompakt Premium | as stated in the policy scheduleB1-5.1 (Höhe laut Antrag und Versicherungsschein), page 24 | yes, up to the sum insuredB1-6.1.2 (Deliktunfähigkeit, z. B. §§ 827, 828 BGB), page 26 | yes, up to the sum insuredB1-6.22.1 b), page 38 | yes, up to the sum insuredB1-6.1.1 a), page 25 | yes, up to the sum insuredB1-6.6.1 (Hotelzimmer, Ferienwohnungen und -häuser), page 30 | noneB1-5.4, page 24 | 09/2026 |
| GothaerPrivat Kompakt Spar | as stated in the policy scheduleB1-5.1 (Höhe laut Antrag und Versicherungsschein), page 23 | yes, up to EUR 10,000, excess EUR 250B1-6.1.2 (Deliktunfähigkeit, z. B. §§ 827, 828 BGB), page 24 | not addressed | noB1-6.1.1 a) (nur zu privaten Zwecken überlassene Schlüssel), page 24 | yes, up to EUR 1 million, excess EUR 250B1-6.6.1 (Zimmer, Ferienwohnungen und deren Einrichtung), page 27 | EUR 250B1-5.4 (dazu 250 Euro bei Mietsach-, Schlüssel-, Gefälligkeits- und Deliktunfähigkeitsschäden), page 23 | 09/2026 |
| HelvetiaAmbiente | as stated in the policy scheduleAHB Ziff. 6.1, page 4 | not addressed | not addressed | yes, up to EUR 2,500BBR A VIII, page 23 | noAHB Ziff. 7.6, page 5 | not addressedAHB Ziff. 6.4, page 4 | BAS 8483 09.25 |
| HelvetiaAmbiente Top | as stated in the policy scheduleAHB Ziff. 6.1, page 4 | yes, up to the sum insuredBBR A XXI, page 27 | yes, up to the sum insuredBBR A XXIX 1.2, page 28 | yes, up to EUR 2,500BBR A VIII, page 23 | yes, up to the sum insuredBBR A XVII 1, page 26 | not addressedAHB Ziff. 6.4, page 4 | BAS 8483 09.25 |
| HUK-COBURGBasis | yes, up to EUR 10 millionA 1.2 a., page 7 | noA 1.6, page 13 | yes, up to EUR 50 millionA 1.5.31 g., page 13 | noA 1.1.3 b., page 7 | noA 1.6, page 13 | noneA 1.1.4, page 7 | 01.05.2025 (Druckstück HS21325, Stand 06.2026) |
| HUK-COBURGClassic | yes, up to EUR 100 millionA 1.2 a., page 7 | yes, up to the sum insuredA 1.6.3 a., page 14 | yes, up to EUR 50 millionA 1.5.31 g., page 13 | yes, up to the sum insuredA 1.6.5 a., page 14 | yes, up to the sum insuredA 1.6.2 b., page 14 | noneA 1.1.4, page 7 | 01.05.2025 (Druckstück HS21325, Stand 06.2026) |
| HUK-COBURGClassic mit PH PLUS | yes, up to EUR 100 millionA 1.2 a., page 7 | yes, up to the sum insuredA 1.6.3 a., page 14 | yes, up to EUR 50 millionA 1.5.31 g., page 13 | yes, up to the sum insuredA 1.6.5 a., page 14 | yes, up to the sum insuredA 1.6.2 b., page 14 | noneA 1.1.4, page 7 | 01.05.2025 (Druckstück HS21325, Stand 06.2026) |
| HUK24Basis | yes, up to EUR 10 millionA 1.2 a., page 7 | noA 1.6, page 13 | yes, up to EUR 50 millionA 1.5.31 g., page 13 | noA 1.1.3 b., page 7 | noA 1.5.23 c., page 12 | noneA 1.1.4, page 7 | 01.05.2025 |
| HUK24Classic | yes, up to EUR 100 millionA 1.2 a., page 7 | yes, up to the sum insuredA 1.6.3 a., page 14 | yes, up to EUR 50 millionA 1.5.31 g., page 13 | yes, up to the sum insuredA 1.6.5 a., page 14 | yes, up to the sum insuredA 1.6.2 a., page 14 | noneA 1.1.4, page 7 | 01.05.2025 |
| HUK24Classic mit PH PLUS | yes, up to EUR 100 millionA 1.2 a., page 7 | yes, up to the sum insuredA 1.6.3 a., page 14 | yes, up to EUR 50 millionA 1.5.31 g., page 13 | yes, up to the sum insuredA 1.6.5 a., page 14 | yes, up to the sum insuredA 1.6.2 a., page 14 | noneA 1.1.4, page 7 | 01.05.2025 |
| InterlloydPrivatVorsorge Classic | as stated in the policy scheduleB1-5.1, page 90 | not addressed | yes, up to the sum insuredB3-1.4, page 103 | not addressed | noB1-6.6.1, page 93 | noneB1-5.4, page 90 | 07.2025 |
| InterlloydPrivatVorsorge Eurosecure Plus | as stated in the policy scheduleB1-5.1, page 67 | yes, up to EUR 100,000B1-6.19, page 76 | yes, up to the sum insuredB3-1.4, page 82 | yes, up to EUR 100,000, excess EUR 150B1-6.18, page 76 | yes, up to the sum insuredB1-6.6.2, page 71 | noneB1-5.4, page 67 | 07.2025 |
| InterlloydPrivatVorsorge Infinitus | as stated in the policy scheduleB1-5.1, page 40 | yes, up to the sum insuredB1-6.19, page 52 | yes, up to the sum insuredB3-1.4, page 59 | yes, up to the sum insuredB1-6.18, page 51 | yes, up to the sum insuredB1-6.6.2, page 45 | noneB1-5.4, page 41 | 07.2025 |
| InterRiskL | as stated in the policy scheduleB62 § 3 Nr. 1.1 (Höhe laut Versicherungsschein), page 2 | not addressed | yes, up to the sum insured§ 13 Nr. 1 (ohne Schäden an Fahrzeugen, Immobilien, Tieren und reine Vermögensschäden, Nr. 2.3), page 6 | no§ 3 j), page 2 | no§ 3 h) (nur gemietete Räume nach § 11), page 2 | EUR 150Klausel 7780 Nr. 2 (Grundregel; entfällt nach 5 schadenfreien Jahren), page 1 | 06.26 |
| InterRiskXL | as stated in the policy scheduleB62 § 3 Nr. 1.1 (Höhe laut Versicherungsschein), page 2 | yes, up to EUR 10,000§ 14 Nr. 1.1 a) (Entschädigung bis 10.000 €, § 14 Nr. 2), page 7 | yes, up to the sum insured§ 16 Nr. 2.2 a) (dazu Tierhalter), page 8 | yes, up to EUR 30,000§ 12 Nr. 1.1 (bis 30.000 €, Nr. 3), page 7 | yes, up to EUR 10,000§ 11 Nr. 3 (Einrichtung in Ferienunterkünften, Nr. 1.2), page 7 | EUR 150Klausel 7780 Nr. 2 (Grundregel; entfällt nach 5 schadenfreien Jahren), page 1 | 06.26 |
| InterRiskXXL | as stated in the policy scheduleB62 § 3 Nr. 1.1 (Höhe laut Versicherungsschein), page 2 | yes, up to the sum insured§ 12 Nr. 1.1 a) (nur subsidiär), page 8 | yes, up to the sum insured§ 14 Nr. 2.2 a) (dazu Tierhalter und Kfz), page 8 | yes, up to the sum insured§ 10 Nr. 1.1, page 7 | yes, up to the sum insured§ 9 Nr. 1, page 7 | EUR 150Klausel 7780 Nr. 2 (Grundregel; entfällt nach 5 schadenfreien Jahren), page 1 | 06.26 |
| ItzehoerKOMFORT-Deckung | as stated in the policy scheduleAHB § 6 Ziffer 1, page 7 | yes, up to EUR 50,000C.I Ziffer 9.7.2.1, page 23 | yes, up to EUR 15 millionC.I Ziffer 9.10.3.3, page 24 | yes, up to EUR 50,000C.I Ziffer 9.6.2.4, page 22 | yes, up to EUR 50,000, excess EUR 150C.I Ziffer 9.8.1, page 23 | yes, up to the sum insuredAHB § 6 Ziffer 4, page 8 | 11/25 |
| ItzehoerTOP-Deckung | as stated in the policy scheduleAHB § 6 Ziffer 1, page 7 | yes, up to EUR 100,000C.I Ziffer 9.7.2.1, page 23 | yes, up to EUR 15 millionC.I Ziffer 9.10.3.3, page 24 | yes, up to EUR 100,000C.I Ziffer 9.6.2.4, page 22 | yes, up to EUR 100,000, excess EUR 150C.I Ziffer 9.8.1, page 23 | yes, up to the sum insuredAHB § 6 Ziffer 4, page 8 | 11/25 |
| JanitosBalance / onlinePlus | as stated in the policy scheduleAHB Ziff. 6.1, page 9 | yes, up to EUR 50,000BBR Ziff. 7.1 (1), page 13 | yes, up to the sum insuredBBR Ziff. 15.3, page 16 | yes, up to EUR 100,000, excess EUR 100BBR Ziff. 14.2.3, page 15 | yes, up to EUR 50,000, excess EUR 100BBR Ziff. 6.2.2, page 13 | not addressedAHB Ziff. 6.4, page 3 | Stand 01.07.2018, Bedingungs-Nummer 101802, Stand 01.07.2018, Bedingungs-Nummer 101862 |
| JanitosBasic / onlineFit | as stated in the policy scheduleAHB Ziff. 6.1, page 9 | yes, up to EUR 25,000, excess EUR 200BBR Ziff. 7.1 (1), page 13 | yes, up to the sum insuredBBR Ziff. 15.3, page 15 | yes, up to EUR 25,000, excess EUR 200BBR Ziff. 14.2.3, page 14 | yes, up to EUR 25,000, excess EUR 200BBR Ziff. 6.2.2, page 13 | not addressedAHB Ziff. 6.4, page 3 | Stand 01.07.2018, Bedingungs-Nummer 101801, Stand 01.07.2018, Bedingungs-Nummer 101861 |
| JanitosBest Selection | as stated in the policy scheduleAHB Ziff. 6.1, page 9 | yes, up to EUR 200,000BBR Ziff. 7.1 (1), page 14 | yes, up to the sum insuredBBR Ziff. 15.1.2, page 16 | yes, up to EUR 200,000BBR Ziff. 14.2.3, page 16 | yes, up to EUR 200,000BBR Ziff. 6.2.2, page 14 | not addressedAHB Ziff. 6.4, page 3 | Stand 01.07.2018, Bedingungs-Nummer 101803 |
| JanitosonlineMax | as stated in the policy scheduleAHB Ziff. 6.1, page 9 | yes, up to EUR 200,000BBR Ziff. 7.1 (1), page 14 | yes, up to the sum insuredBBR Ziff. 15.1.2, page 16 | yes, up to EUR 200,000BBR Ziff. 14.2.3, page 16 | yes, up to EUR 200,000BBR Ziff. 6.2.2, page 14 | not addressedAHB Ziff. 6.4, page 3 | Stand 01.07.2018, Bedingungs-Nummer 101863 |
| LVMKomfort | as stated in the policy scheduleA1-5.1, page 10 | yes, up to the sum insuredA1-6.19, page 17 | noHinweise zum Aufbau, Abschnitt A3, page 4 | noA1-6.23, page 18 | yes, up to EUR 500,000A1-6.6.1.3, page 12 | noneA1-5.4, page 10 | 01/2026 |
| LVMPremium | as stated in the policy scheduleA1-5.1, page 10 | yes, up to the sum insuredA1-6.19, page 17 | noHinweise zum Aufbau, Abschnitt A3, page 4 | yes, up to EUR 500,000A1-6.23, page 18 | yes, up to the sum insuredA1-6.6.1.3, page 12 | noneA1-5.4, page 10 | 01/2026 |
| MecklenburgischePrivathaftpflichtversicherung | as stated in the policy scheduleAHB Ziffer 6.1, page 21 | yes, up to EUR 100,000BBR PHV Ziffer 2.2.2.1, page 28 | not addressed | yes, up to EUR 100,000BBR PHV Ziffer 4.7.1, page 29 | yes, up to EUR 500,000BBR PHV Ziffer 5.3.1, page 30 | noneAHB Ziffer 6.4, page 21 | 01/2026 (84-AHP-0126) |
| Mecklenburgischemit Zusatzbausteinen | as stated in the policy scheduleAHB Ziffer 6.1, page 21 | yes, up to EUR 100,000BBR PHV Ziffer 2.2.2.1, page 28 | yes, up to the sum insuredZusatzbaustein Eigenschäden Ziffer 1.3.1, page 35 | yes, up to EUR 100,000BBR PHV Ziffer 4.7.1, page 29 | yes, up to EUR 500,000BBR PHV Ziffer 5.3.1, page 30 | noneAHB Ziffer 6.4, page 21 | 01/2026 (84-AHP-0126) |
| NVPrivatmax. 6.0 | as stated in the policy scheduleAbschnitt A1 Ziff. 5.1, page 6 | yes, up to the sum insuredAbschnitt A4 Ziff. 13.1, page 23 | yes, up to the sum insuredAbschnitt A3 Ziff. 3.3, page 19 | yes, up to EUR 50,000Abschnitt A4 Ziff. 8.9, page 22 | yes, up to EUR 10,000Abschnitt A4 Ziff. 5.2, page 21 | yes, up to the sum insuredAbschnitt A1 Ziff. 5.4, page 6 | 03/2021 |
| NVPrivatPremium 6.0 | as stated in the policy scheduleAbschnitt A1 Ziff. 5.1, page 7 | yes, up to the sum insuredAbschnitt A4 Ziff. 17.1, page 26 | yes, up to the sum insuredAbschnitt A3 Ziff. 3.3, page 20 | yes, up to the sum insuredAbschnitt A4 Ziff. 10.9, page 24 | yes, up to EUR 50,000Abschnitt A4 Ziff. 7.2, page 23 | yes, up to the sum insuredAbschnitt A1 Ziff. 5.4, page 7 | 03/2021 |
| NVPrivatSpar 6.0 | as stated in the policy scheduleAbschnitt A1 Ziff. 5.1, page 6 | yes, up to EUR 50,000Abschnitt A4 Ziff. 10, page 22 | yes, up to EUR 500,000Abschnitt A3 Ziff. 3.4, page 19 | yes, up to EUR 30,000Abschnitt A4 Ziff. 7.9, page 21 | yes, up to EUR 500Abschnitt A4 Ziff. 4.2.1, page 20 | yes, up to the sum insuredAbschnitt A1 Ziff. 5.4, page 6 | 03/2021 |
| OstanglerEXCLUSIV Fair Play | as stated in the policy scheduleAHB Ziff. 6.1, page 8 | yes, up to EUR 10 millionBBR Ziff. 1.3, Aufsichtspflicht, page 27 | yes, up to the sum insuredBBR Ziff. 5.8, page 38 | yes, up to EUR 10 millionBBR Ziff. 5.6, page 36 | yes, up to EUR 10 millionBBR Ziff. 5.16, page 42 | not addressedAHB Ziff. 6.4, page 9 | Heft OAB_Bed_HV_19.16 vom 02.12.2022, BBR Stand Juni 2020 |
| OstanglerEXCLUSIV Fair Play Plus | as stated in the policy scheduleAHB Ziff. 6.1, page 8 | yes, up to EUR 10 millionBBR Ziff. 1.3, Aufsichtspflicht, page 27 | yes, up to the sum insuredBBR Ziff. 5.8, page 38 | yes, up to EUR 10 millionBBR Ziff. 5.6, page 36 | yes, up to EUR 10 millionBBR Ziff. 5.16, page 42 | not addressedAHB Ziff. 6.4, page 9 | Heft OAB_Bed_HV_19.16 vom 02.12.2022, BBR Stand Juni 2020 |
| OstanglerEXCLUSIV Green Fair Play Plus | as stated in the policy scheduleAHB Ziff. 6.1, page 8 | yes, up to EUR 10 millionBBR Ziff. 1.3, Aufsichtspflicht, page 27 | yes, up to the sum insuredBBR Ziff. 5.8, page 38 | yes, up to EUR 10 millionBBR Ziff. 5.6, page 36 | yes, up to EUR 10 millionBBR Ziff. 5.16, page 42 | not addressedAHB Ziff. 6.4, page 9 | Heft OAB_Bed_HV_19.16 vom 02.12.2022, BBR Stand Juni 2020, Stand Dezember 2020 (laut Gesamtheft) |
| R+VPrivatPolice classic | as stated in the policy scheduleA1-5.1, page 23 | not addressed | not addressed | noA1-6.15.2 (12), page 31 | noA1-6.6.1, page 27 | noneA1-5.4, page 24 | 07.2026 |
| R+VPrivatPolice comfort | as stated in the policy scheduleA1-5.1, page 24 | yesZ-MVP-09, page 49 | yesA3-3.2, page 46 | yesZ-SCHL-02, page 55 | yesZ-MIET-02, page 54 | noneA1-5.4, page 25 | 07.2026 |
| R+VPrivatPolice premium | as stated in the policy scheduleA1-5.1, page 25 | yesZ-MVP-09, page 50 | yesZ-FAD-01, page 64 | yesZ-SCHL-02, page 63 | yesZ-MIET-02, page 61 | noneA1-5.4, page 26 | 07.2026 |
| VertiKlassik | as stated in the policy scheduleA1-5.1, page 8 | yes, up to the sum insuredA1-6.20.1, page 18 | yes, up to the sum insuredA3-3.1, page 39 | noA1-6.23.2 k), page 20 | yes, up to the sum insuredA1-6.6.3, page 12 | noneA1-5.3, page 8 | 12/2025 |
| VertiPremium | as stated in the policy scheduleA1-5.1, page 8 | yes, up to the sum insuredA1-6.20.1, page 18 | yes, up to the sum insuredA3-3.1, page 39 | yes, up to the sum insuredP3-2.1, page 51 | yes, up to the sum insuredA1-6.6.3, page 12 | noneA1-5.3, page 8 | 12/2025 |
| VGHBasis | as stated in the policy scheduleA1-5.1 (Höhe laut Versicherungsschein), page 9 | noA1-6.27 (nur Produktvariante PHV Premium), page 20 | noA1-6.27 (nur Produktvariante PHV Premium), page 20 | yes, up to EUR 50,000A1-6.18.1 und A1-6.18.5 (auch beruflich), page 18 | yes, up to EUR 25,000A1-6.6.1 (c) (Jahr 50.000 EUR), page 12 | yesA1-5.4 (Höhe laut Versicherungsschein), page 9 | 05.2024, Version 01.25 |
| VGHKomfort | as stated in the policy scheduleA1-5.1 (Höhe laut Versicherungsschein), page 9 | noA1-6.27 (nur Produktvariante PHV Premium), page 20 | noA1-6.27 (nur Produktvariante PHV Premium), page 20 | yes, up to EUR 50,000A1-6.18.1 und A1-6.18.5 (auch beruflich), page 18 | yes, up to EUR 25,000A1-6.6.1 (c) (Jahr 50.000 EUR), page 12 | noneA1-5.4, page 9 | 05.2024, Version 01.25 |
| VGHPremium | as stated in the policy scheduleA1-5.1 (Höhe laut Versicherungsschein), page 9 | yes, up to the sum insuredA1-6.27.2, page 22 | yes, up to the sum insuredA1-6.27.1.1 (b) (auch Hunde- und Pferdehalter), page 20 | yes, up to the sum insuredA1-6.18.1 mit A1-6.27.6.1 (Versicherungssumme), page 17 | yes, up to the sum insuredA1-6.27.5, page 22 | noneA1-5.4, page 9 | 05.2024, Version 01.25 |
| VHVKLASSIK-GARANT | yes, up to EUR 30 millionProduktübersicht Privathaftpflicht, Versicherungssummen, page 9 | yes, up to the sum insuredA1-6.21.1, page 30 | yes, up to the sum insuredA3-3.1, page 41 | yes, up to EUR 30,000A1-6.20.1 d), page 30 | yes, up to the sum insuredA1-6.6.2.1, page 21 | yes, up to the sum insuredA1-5.4, page 17 | 06/2026 |
| VHVKLASSIK-GARANT mit EXKLUSIV | yes, up to EUR 50 millionProduktübersicht Privathaftpflicht, Versicherungssummen, page 9 | yes, up to the sum insuredA1-6.21.1, page 30 | yes, up to the sum insuredA3-3.1, page 41 | yes, up to the sum insuredZB EXKLUSIV PHV Ziff. 3.1, page 57 | yes, up to the sum insuredA1-6.6.2.1, page 21 | yes, up to the sum insuredA1-5.4, page 17 | 06/2026 |
| VPVExklusiv | as stated in the policy scheduleA1 Ziffer 5.1, page 11 | yes, up to EUR 30,000A1 Ziffer 6.11, page 14 | yes, up to the sum insuredA3 Ziffer 3.3, page 25 | yes, up to EUR 50,000A1 Ziffer 6.9, page 13 | yes, up to EUR 30,000A1 Ziffer 6.7.1 (2), page 13 | noneA1 Ziffer 5.4, page 11 | 06.2026 (3.PES.0287) |
| VPVKompakt | as stated in the policy scheduleA1 Ziffer 5.1, page 11 | yes, up to EUR 20,000A1 Ziffer 6.11, page 14 | yes, up to the sum insuredA3 Ziffer 3.3, page 25 | yes, up to EUR 20,000A1 Ziffer 6.9, page 13 | yes, up to EUR 15,000A1 Ziffer 6.7.1 (2), page 13 | noneA1 Ziffer 5.4, page 11 | 06.2026 (3.PES.0287) |
| WGVBASIS | as stated in the policy scheduleInformationsblatt, page 2 | yes, up to EUR 20,000A.1.6.5, page 11 | yes, up to the sum insuredA.3.3.1, page 21 | noA.1.6.24.1, page 17 | noA.1.6.13.2, page 13 | noneA.1.5.4, page 10 | 06.2026 (4000-1002.0626) |
| WGVOPTIMAL | as stated in the policy scheduleInformationsblatt, page 2 | yes, up to the sum insuredA.1.6.5, page 11 | yes, up to the sum insuredA.3.1.1 b), page 21 | yes, up to the sum insuredA.1.6.24.1, page 17 | yes, up to the sum insuredA.1.6.13.2, page 13 | noneA.1.5.4, page 10 | 06.2026 (4000-1002.0626) |
| WGVPLUS | as stated in the policy scheduleInformationsblatt, page 2 | yes, up to the sum insuredA.1.6.5, page 11 | yes, up to the sum insuredA.3.1.1 b), page 21 | yes, up to the sum insuredA.1.6.24.1, page 17 | yes, up to the sum insuredA.1.6.13.2, page 13 | noneA.1.5.4, page 10 | 06.2026 (4000-1002.0626) |
| WürttembergischeKomfortSchutz | as stated in the policy scheduleA1-5.1, page 4 | yes, up to EUR 500,000A1-2.1.2, page 3 | yes, up to the sum insured, excess EUR 2,000A3-3.4, page 15 | yes, up to EUR 500,000A1-6.21.1, page 10 | yes, up to the sum insuredA1-6.6.2, page 7 | noneA1-5.4, page 4 | 01.06.2026 |
| WürttembergischeKompaktSchutz | as stated in the policy scheduleA1-5.1, page 4 | yes, up to EUR 50,000A1-2.1.2, page 3 | yes, up to the sum insured, excess EUR 2,500A3-3.4, page 14 | yes, up to EUR 50,000A1-6.21.1, page 8 | yes, up to the sum insuredA1-6.6.2, page 6 | noneA1-5.4, page 4 | 01.06.2026 |
| WürttembergischePremiumSchutz | yes, up to EUR 50 millionBB PHV PremiumPlus 2026 Ziffer 2, page 19 | yes, up to the sum insuredA1-2.1.2, page 3 | yes, up to the sum insuredA3-3.1, page 18 | yes, up to the sum insuredA1-6.21.1, page 11 | yes, up to the sum insuredA1-6.6.2, page 7 | noneA1-5.4, page 4 | 01.06.2026 |
| ZurichPrivatSchutz Basis | yes, up to EUR 5 millionDeckungskonzept, Versicherungssumme, page 33 | not addressed | yes, up to the sum insuredBBR-PHV 5.4 (Vorsatztaten ausgeschlossen, 5.6.3.5), page 19 | noBBR-PHV 11.1 (berufliche Schlüssel nur Top, AH011-02), page 22 | not addressed | noneDeckungskonzept, Selbstbeteiligung (wählbar 0, 150 oder 250 EUR), page 33 | 04/2025, Fassung 04.2025 |
| ZurichPrivatSchutz Top | yes, up to EUR 50 millionDeckungskonzept, Versicherungssumme, page 33 | yes, up to EUR 100,000AH028-01 (Sachschäden bis 100.000 EUR, Personen- und Vermögensschäden bis 500.000 EUR laut Deckungskonzept), page 31 | yes, up to the sum insuredBBR-PHV 5.4 (Vorsatztaten ausgeschlossen, 5.6.3.5; Gewaltopferschutz bei Personenschäden über AH025-01), page 19 | yes, up to EUR 250,000AH011-02 (250.000 EUR laut Deckungskonzept), page 28 | yesAH017-02, page 28 | noneDeckungskonzept, Selbstbeteiligung (wählbar 0, 150 oder 250 EUR), page 33 | 04/2025, Fassung 04.2025 |
Evaluated by NAMMERT from published policy wordings. Despite care, a value may be misread; legally only the wording of your own contract in the edition stated there applies. Please report errors, we correct them the same day.
Still in progress
These providers sell this cover, but we do not yet hold a checked copy of their wording. We will add it once we do.
- Allianz
- andsafe
- Baloise
- BavariaDirekt
- Berlin Direkt
- Concordia
- Debeka
- Dialog
- ERGO
- EUROPA
- Feuersozietät
- Generali
- Getsafe
- GVV Direkt
- HanseMerkur
- HAVA Kassel
- HDI
- IDEAL
- INTER
- ISSELHORSTER
- Konzept & Marketing
- MÜNCHENER VEREIN
- Neodigital
- NÜRNBERGER
- Provinzial
- RheinLand
- rhion.digital
- SIGNAL IDUNA
- Stuttgarter
- SV Sachsen
- uniVersa
- Versicherungskammer Bayern
- VOLKSWOHL BUND
- VRK
- Waldenburger
- Würzburger
- WWK
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