Are my partner and children covered by my personal liability insurance?
In a family or couple tariff, yes: spouses or registered partners and your own children are covered, children usually until the …
Insurance broker / Insurance questions
Insurance questions, answered honestly
The questions people really ask before they buy, switch or cancel insurance in Germany. Each answer with prices, a worked example, common mistakes and sources.
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Personal liability
Are students covered by their parents' liability insurance?
Usually yes, if your parents have a German family policy and you are unmarried and in your first vocational training or degree. …
Can I deduct liability insurance from my taxes in Germany?
Yes, as other provident expenses (sonstige Vorsorgeaufwendungen) in the Anlage Vorsorgeaufwand of your German tax return. The ca …
Do I need personal liability insurance in Germany?
Yes, almost every adult living in Germany should have it. If you damage someone else's property or injure a person, you are liab …
Does German personal liability insurance cover you abroad?
Yes, for temporary stays it applies worldwide, including trips to your home country. Many tariffs cover stays in Europe without …
Does liability insurance cover damage to your rented flat?
Usually yes, if your policy includes damage to rented property (Mietsachschäden): floors, walls, doors, bathroom fittings or a f …
Does liability insurance pay for damage when you help a friend?
Yes, if your policy explicitly includes damage caused while doing a favour (Gefälligkeitsschäden). Then your personal liability …
Does personal liability insurance cover borrowed items in Germany?
Only if your tariff includes it explicitly. Older and basic German policies exclude damage to borrowed, rented or leased items. …
Does personal liability insurance pay for lost keys in Germany?
Yes, if your tariff includes the loss of other people's keys, for example to your rented flat, a club house or often your employ …
How do I cancel my personal liability insurance in Germany?
You can usually cancel personal liability insurance (Privathaftpflicht) with three months' notice to the end of the insurance ye …
How do I switch my personal liability insurance in Germany?
Take out the new policy first, starting exactly when the old one ends. Then cancel the old one, usually with three months' notic …
How high should your personal liability cover be?
At least EUR 10 million as one combined limit for injury and property damage, better EUR 50 million. The higher sum usually cost …
How much does personal liability insurance cost in Germany?
Personal liability insurance (Privathaftpflichtversicherung) usually costs singles EUR 40 to 120 a year and families about EUR 6 …
What does personal liability insurance cover in Germany?
German personal liability insurance (Privathaftpflichtversicherung) pays when you are at fault for injury, property damage or fi …
When does personal liability insurance not pay in Germany?
Personal liability insurance (Privathaftpflicht) does not pay for damage caused on purpose, damage to your own things, damage ca …
Who pays when a child under seven causes damage?
Often nobody. Under German law (§ 828 BGB) children under seven are not liable, and parents only pay if they failed in their dut …
Contents insurance
How do I cancel my contents insurance in Germany?
German contents insurance (Hausratversicherung) usually runs for a full insurance year, and you cancel with three months' notice …
How high should the sum insured for contents insurance be?
High enough to buy everything you own again new today. Insurers usually offer a flat rate of EUR 500 to 750 per square metre of …
How much does contents insurance cost in Germany?
For a flat of 75 to 80 square metres you usually pay EUR 25 to 120 a year for contents insurance (Hausratversicherung). The pric …
Is contents insurance worth it in Germany?
Contents insurance (Hausratversicherung) is worth it if you could not buy your belongings new from your own pocket after a fire, …
What does contents insurance cover in Germany?
German contents insurance (Hausratversicherung) covers everything movable in your home: furniture, clothes, electronics, food an …
Buildings insurance
How do I cancel building insurance in Germany?
To end German building insurance (Wohngebäudeversicherung) at the end of its term you give three months' notice. After a claim b …
How much does buildings insurance cost in Germany?
For a typical detached house you usually pay EUR 300 to 800 a year in 2026, often around EUR 400 to 500. Simple policies for sma …
Is buildings insurance mandatory in Germany?
There is no legal obligation in Germany. If you buy with a mortgage, though, the bank almost always requires proof of buildings …
What does buildings insurance cover in Germany?
Buildings insurance (Wohngebäudeversicherung) pays to repair or rebuild your house after fire, escaping tap water, storm from wi …
Natural hazard cover
How much does natural hazard insurance cost in Germany?
As an add-on to buildings insurance, natural hazard cover (Elementarschadenversicherung) for a detached house in a safe area usu …
Is natural hazard insurance worth it in Germany?
For most homeowners, yes. Heavy rain can hit any location, even far from a river, and in safe areas natural hazard cover (Elemen …
Car insurance
How do I switch my car insurance in Germany?
Cancel the old policy in writing with one month's notice before the end of the policy year, for most contracts by 30 November. A …
How much does car insurance cost in Germany?
On average drivers in Germany pay about EUR 256 to 290 a year for liability only, about EUR 450 with partial cover and about EUR …
What is the difference between Teilkasko and Vollkasko?
Teilkasko (partial cover) pays for damage you did not cause yourself: theft, storm, hail, fire, broken glass and collisions with …
What should I do after a car accident in Germany?
Hazard lights on, put on the high visibility vest, set up the warning triangle, help anyone injured and call 112 if someone is h …
When can I cancel my car insurance in Germany?
For most German car insurance policies your cancellation must reach the insurer by 30 November, and the contract then ends on 1 …
When is comprehensive car insurance worth it in Germany?
Comprehensive cover (Vollkasko) is usually worth it for new, financed, leased and expensive cars, roughly in their first three t …
Bicycle and e-bike
How much does bike insurance cost in Germany?
For a bike worth EUR 1,000, the bike add-on of your contents insurance often costs only around EUR 50 a year. A separate bike in …
Is e-bike insurance worth it in Germany?
For an e-bike worth about EUR 2,000 or more that you often park outside, separate e-bike insurance is usually worth it. For a bi …
Travel insurance
Do I need travel health insurance when I live in Germany?
Yes, almost always if you have public health insurance in Germany. It pays only limited costs abroad and never the flight home, …
When does trip cancellation insurance pay in Germany?
German trip cancellation insurance (Reiserücktrittsversicherung) pays the cancellation fees if a covered reason stops you from t …
When is trip cancellation insurance worth it?
Trip cancellation insurance (Reiserücktrittsversicherung) makes sense if you book expensive trips well in advance or could not a …
Dog and horse liability
How much does dog liability insurance cost in Germany?
Dog liability insurance (Hundehaftpflichtversicherung) in Germany usually costs EUR 35 to 150 a year. A solid policy with EUR 10 …
Which German states require dog liability insurance?
Seven states require dog liability insurance (Hundehaftpflichtversicherung) for every dog: Berlin, Bremen, Hamburg, Lower Saxony …
Pet health insurance
How much does cat health insurance cost in Germany?
Surgery cover for a cat (OP-Versicherung) usually costs EUR 7 to 25 a month, full health cover (Katzenkrankenversicherung) about …
Is dog health insurance worth it in Germany?
It is worth it if you could not pay a vet bill of EUR 2,000 to 4,000 for an operation out of your own pocket. Surgery cover (OP- …
Legal expenses insurance
How long is the waiting period for legal expenses insurance in Germany?
Legal expenses insurance (Rechtsschutzversicherung) usually has a waiting period (Wartezeit) of three months, for example for em …
How much does legal expenses insurance cost in Germany?
A legal expenses insurance package (Rechtsschutzversicherung) covering private life, work and traffic usually costs EUR 300 to 5 …
Is legal expenses insurance worth it in Germany?
It pays off mainly for employees, tenants and drivers, because a dispute at work, with your landlord or after a car accident qui …
Accident insurance
How much does private accident insurance cost in Germany?
For an adult with an office job, good private accident insurance (Unfallversicherung) with a basic sum of EUR 100,000 and 350 pe …
Is private accident insurance worth it in Germany?
It makes most sense for children, the self-employed, homemakers, retirees and anyone who cannot get income protection. Statutory …
Occupational disability
How much does occupational disability insurance cost in Germany?
For a monthly benefit of EUR 1,500 until age 67, a 30 year old office worker often pays around EUR 70 a month for occupational d …
Is occupational disability insurance worth it in Germany?
Yes, for almost everyone who lives on their earnings. The state reduced earning capacity pension (Erwerbsminderungsrente) is low …
When does occupational disability insurance pay out in Germany?
Occupational disability insurance (Berufsunfähigkeitsversicherung, BU) pays if you are expected to be unable to do at least 50 p …
Term life insurance
How much does term life insurance cost in Germany?
At 30, as a non-smoker, you usually pay EUR 9 to 16 a month for EUR 200,000 of cover over 30 years. Smokers pay several times as …
When is term life insurance worth it in Germany?
It makes sense when others depend on your income: children, a partner who earns less or a shared loan. At 30 as a non-smoker you …
Private pension
How much state pension will I get in Germany?
Your German state pension (gesetzliche Rente) is your pension points times the pension value. Since July 2026 one point is worth …
Is private pension insurance worth it in Germany?
As your only retirement savings, often not. Costs of about 0.4 to over 1.3 percent a year and a guaranteed interest rate of 1 pe …
Private health insurance
How much does private health insurance cost in Germany?
A healthy employee around 30 usually pays EUR 450 to 700 a month for a good private health insurance tariff (private Krankenvers …
Public or private health insurance in Germany: which is better?
Neither is better in general. Private health insurance (PKV) mainly pays off for civil servants and for well-paid, healthy singl …
Dental insurance
How much does supplementary dental insurance cost in Germany?
Good supplementary dental insurance (Zahnzusatzversicherung) usually costs EUR 15 to 30 a month at age 30 to 40, simple tariffs …
Is supplementary dental insurance worth it in Germany?
Usually yes if you are in public health insurance, in your mid 30s or older and want high quality dental work such as implants. …
Long-term care
Is private long-term care insurance worth it in Germany?
For many people yes: care home residents in Germany pay on average EUR 3,364 a month themselves in the first year, because statu …
NAMMERT Assekuradeur GmbH, insurance broker licensed under section 34d(1) of the German Trade Regulation Act, broker register no. D-C08Q-TOSD4-37. For boat and yacht insurance we act as underwriting agency, not as broker. Statutory disclosure (German)