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Liability Insurance: compare this personal liability and conclude

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A personal liability insurance is compulsory, is the right to choose the free program

The most important insurance protection for you and your family, the personal liability insurance. In order to permit a claim does not get all your financial existence in danger, helps our free, independent insurance comparison in the selection of a favorable private liability.


Of the liability insurance covered claims

A claim is always annoying. Worse falls out of trouble, no adequate insurance cover should be a personal liability insurance. Required by law, must be paid the amount of damage out of pocket and can be expensive. In the worst case, this might even jeopardize your financial existence.

Personal liability insurance - to hedge effectively
Whether you're someone on a bicycle accidentally injured or damaged through carelessness simply the spectacle of a friend. The possibilities are endless. Therefore, it is recommended for the personal liability insurance on a particularly broad coverage to respect of possible claims. In this case, the higher the limit of personal liability insurance, the better.

Personal liability insurance
Protect yourself against the financial risk. The level of contributions to a comprehensive personal liability insurance is manageable. A convenient and fast way to compare, our free online rate calculator for personal liability.

A must for everyone - liability insurance

Muffle insurance or not, a liability insurance really need any. The easiest way fares for less than 30 € a year available. The risks without private insurance are huge, because basically you are liable for damage you cause to third parties - and in certain cases can be significant!

Scope of liability insurance
Not only are you responsible for any harm comes to liability insurance. The defense may unjustified claims belongs to the scope of private insurance - just like the insurance protection abroad.

The Basics

A brief moment of inattention, forgetfulness or just bad luck - a mishap or an accident can happen quickly, and the cost to repair the damage can be quite high. Personal liability insurance protects you and your family against the financial consequences of any damage you cause to third parties and for which you are responsible.

Defense against unjustified claims
Makes someone responsible for damage you did not cause, makes the liability valuable. The insurer ward off unjustified claims, if necessary in court. Resulting legal and court costs to pay the insurance.

Personal liability also applies in foreign countries
The treaty protection applies not only in Germany but in limited form and abroad. If you want to live a long time abroad, you should talk to your insurance company to be protected.

When does not the insurance?
Personal liability insurance pays a deliberate infringement, not including damages for damage to rented or borrowed items, fines or damages, caused by a motor vehicle.

The Basics

A brief moment of inattention, forgetfulness or just bad luck - a mishap or an accident can happen quickly, and the cost to repair the damage can be quite high.

Scope
Makes someone responsible for damage you did not cause, makes the liability valuable.

Who is covered?
Personal liability insurance protects not only you but also your family against the financial consequences of any damage you cause to third parties and for which you are responsible.

On cost
Premiums for private liability insurance vary by provider. So you should get detailed advice before signing a contract.

Typical Claims
A personal liability insurance protects you against major risks of everyday life. These include the upturned wine glass on the expensive carpet in the neighbor or even an accident on icy sidewalks in front of your house.

The right contract
A personal liability insurance principle, need any. The danger of causing damage in everyday life is always present. Who other culpable - that is intentionally or negligently - inflicts an injury is liable, by law, without limit.

The right contract

A personal liability insurance principle, need any. The danger of causing damage in everyday life is always present. Who other culpable - that is intentionally or negligently - inflicts an injury is liable, by law, without limit.

Especially families with children who can not be under permanent supervision should inform themselves about the possibilities of a civil liability insurance.

Special services also assure
The simple form of liability insurance protects you against many risks. Some areas but must also be protected. Thus, there are vehicles for the automobile liability insurance, which is required by law. Gliders need a pleasure boat insurance and owners of large animals (horses, dogs, cattle) should read about the keepers liability insurance.
FAQ

1. Who is responsible for my application?
2. Why do some items are so cheap?
3. What is a personal liability insurance and what damages are covered?
4. Why should a personal liability insurance?
5. Can children be held liable?
6. What are financial losses and are also covered this?
7. What to do in case of damage?
8. How do I cancel my existing contract?
9. Should I pay attention to high coverage?
10. If a key is lost insured?
11. What is a cover for credit default?
12. What is leased property?
13. Is there a waiting period?
14. If a private insurance for homeowners sufficient?
15. What are complacency and damage are also covered this?
16. Is the use of vessels in the private liability insured?
17. Does the private insurance abroad?
18. Are rented or borrowed items insured?
19. Is my (married) partners insured?
20. Children are automatically covered?
FAQs

1. Who is responsible for my application?
First and foremost, your internet broker who is not only passive agents but also the contact person for you. They are employees of Transparent Real Estate Services Ltd., verify your request and forward the insurance company to answer your questions and edit any claims.

Our contact details:
Finanzen.de Real Estate Services Ltd.
10997 Berlin
Silesian Str 29-30
Tel: +49 30 3198619-60
Fax: +49 30 3198619-11
mail: kontakt@finanzen.de

2. Why do some items are so cheap?
Compared to normal insurance agent, multiple agents or brokers, we are bound by any Internet broker insurance company, which allows us to freely and independently for each class of business constantly filter out the cheapest provider on the market for you. In addition, we work with our modern Internet technology both in the insurance and tariff comparison and in the data processing extremely inexpensive. This allows us a relatively high number of contracts the insurance companies give to that granted us this in turn often special discounts that we will be happy to our users.



3. What is a personal liability insurance and what damages are covered?
The Civil Code specifies in § 823, that every person liable to an unlimited amount of its assets, whether adult or child, if he has caused other damage at fault. A subscription basis assumes the personal liability insurance of that risk, dhden financial compensation for the damage you cause (family rates the whole family) other people. The liability insurance is responsible for the following tasks: 1 The insurer shall first consider whether the claims of the injured party is entitled to compensation as well. 2. If that's the case, the resulting financial loss to be replaced. 3. However, if the claim for damages may be justified or excessive, the claims are rejected by the insurer or reduced. In this respect, the personal liability insurance is also a passive legal expenses insurance. Personal liability insurance provides for personal, property, assets and leased property, if an insured person under the contract to another person or thing violated or caused schädigt.Vorsätzlich joined damages are, in principle excluded from liability.

4. Why should a personal liability insurance?
Personal liability insurance protects you and your family to financial ruin before when another person's fault or accidentally cause damage, whether personal, property, or property damage. Insofar as it is next to the health insurance is by far the most important insurance because it covers diverse everyday risks that exist for you as an individual at any time, anywhere. Therefore, any responsible person to take out personal liability insurance. This is especially true for families with children.

5. Can children be held liable?
In principle, children are liable under the Civil Code with the assets for damage they inflict guilt. On the other hand, children are up to 7 Birthday before the court as incapable of crime, as long as parents have breached their duty of supervision is not at fault. For use on the road is the responsibility of freedom of the children even up to 10 Of age. Young parents should still damage caused by their offense inept children, include them in the insurance.

6. What are financial losses and are also covered this?
Financial damages are usually damages of personal injury or property damage are still classified. Such damage can, for example, lost revenue, lost profits or bad investments. Thus causing e.g. A person in an accident, injured in the person of B, which in turn befandt currently on the road to a lucrative contract. Through the fault of the person A contract is concluded but not.

7. What to do in case of damage?
In case of damage, the liability insurer should immediately be informed. All the circumstances that led to the loss requirements need to be represented as accurately and truthfully. Get as much as possible an overview of the extent of damage and take photos of the damaged items. The insurance will take care of the Schadensabwickung.

8. How do I cancel my existing contract?
There are generally two forms of termination, the regular termination of the end of the contract period and the extraordinary contribution termination for a special occasion such as increasing or claim. Basically, an insurance contract be terminated by proper notice. In this case, the notice to the insurer the latest 3 months before the expiry of the contract. Otherwise the contract is extended by one year. Excluded from the usual period of notice, however, are multi-year contracts. Thus, a five-year contract be terminated before the end of the fifth year. Here, too, remains but the period of three months. Is not extended or terminated too late, the contracts for one year. The extraordinary right of termination occurs when an insured loss has occurred. After the settlement of the claim, you can cancel the contract within one month either without notice or cancel at the end of the insurance year. Increases the premium without an increase in performance, there is also an extraordinary right of termination. The notice must be received within one month for insurance.

9. Should I pay attention to high coverage?
The highest possible sum insured in the private insurance always make sense. This results mainly from experience in the regulation of personal injury, which often high expense allowances are necessary. A minimum coverage of € 3 million to look for in the contract therefore. Better would be a higher sum insured, with the additional contribution is rather small.

10. If a key is lost insured?
Against the loss of foreign private keys (eg for the rented apartment), or foreign service key, you can insure for many insurance companies to surcharge. The selectable coverage levels are between 250 - and 30,000, - €. Not insurable, however, is the key for my own apartment or own house.

11. What is a cover for credit default?
In a bad debt insurance means if you damage is inflicted, and replace the damage the damage can not, because either he himself does not have a liability insurance policy or not in a financial position (insolvent) to settle the claims that under certain conditions, the own liability insurance can be claimed. Precondition is, however, that this excess risk was included before signing the insurance protection.

12. What is leased property?
Damage to rented property, including residential premises are rented in accordance with the general conditions in the insurance excluded. To the extent, however, to determine damage to buildings associated with the property involved (eg damage to building materials, doors, windows, sanitary facilities, to permanently installed carpeting of the landlord) is an insured liability extension. Damage caused by wear or flexible leased items are not insurable, however.

13. Is there a waiting period?
In the private insurance make no sense waiting. Coverage begins therefore with the specified in the policy inception.

14. If a private insurance for homeowners sufficient?
Your legal liability risk as a tenant or owner of an apartment or a detached house is also responsible for private insurance.

15. What are complacency and damage are also covered this?
If the damage is due to a pleasing action, there is usually a courtesy damage. One example is when you help a friend during the move and has created his television fall on the stairs. Your friend can not use the law to claim damages, because you have completed the move not to be paid, but as a favor. The insurance companies are opposed to the regulation of these losses in the rule. However, you can include within certain limits for a supplement of some insurers also favor the claims in the insurance.

16. Is the use of vessels in the private liability insured?
The liability risk from the use of watercraft is secured with, provided that the equipment is not motorized, such as Rowing and sailing boats or surfboards.

17. Does the private insurance abroad?
Even abroad, does the insurance cover of private liability insurance, however, are among the companies both scopes (global, only Europe and the Mediterranean riparian countries) and the duration (1 / 4 to 3 years) basis.

18. Are rented or borrowed items insured?
Rented or borrowed items should be treated with the same high level of care as their own property. From this obvious requirement is also the liability insurer. Therefore, these the personal property and therefore the first party equivalent, which in turn is not insurable.

19. Is my (married) partners insured?
A partner (whether married or not) can be covered without any contribution in the private insurance in a family rate. Prerequisite is that the unmarried partner living in the same household, police reported there and the policy is identified by name. Even same-sex partnerships can be insured.

20. Children are automatically covered?
About the family rate of private insurance are all covered without any contribution in cohabiting children. Condition is that they are minors or are still in education and reach a Enkommen own.

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