For students planning to study in Germany, Haftpflichtversicherung insurance is often an essential element of everyday life. It is a liability insurance that protects you in the event of damage to someone else's property or health. UniApply Germany will help you understand why you need this insurance and how to take it out.
What is liability insurance?
Haftpflichtversicherung (liability insurance) is insurance that protects you against financial costs if you cause damage to third parties. In Germany, it is a principle that a person is liable for damage caused by others. For example, you accidentally break your neighbor's window or cause injury to a third party. You will have to pay for this out of your own pocket if you do not have a Haftpflichtversicherung.
Why is this important for students?
Although liability insurance is not compulsory in Germany, it is taken out approx. 85%. For students, this is especially important because:
- Landlords often ask for insurance coverage. Many landlords require confirmation from the Haftpflichtversicherung, especially if you are accepted into a hostel.
- High Billing Defense. A small mistake, such as spilling tea on a buddy's or employer's laptop, can cost anywhere from €500 or more.
- Affordable cost. Haftpflichtversicherung costs only 3-5 euros per month.
How do I apply for a Haftpflichtversicherung?
- Research insurance offers. For example, Feather or PROTRIP.
- Collect the necessary documents. Sometimes your passport or other identification document is required, and in most cases no documents will be needed.
- Formalize the contract. Checkout is often done online and takes only a few minutes.
- Make sure you are comfortable with the terms. Check the amount of coverage and the cases included.
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