Expat Liability Insurance
Private liability insurance for abroad. Worldwide protection – flexible and purchasable from overseas.
Product Information at a Glance
Your Benefits
- For Germans and Expats living abroad
- Worldwide validity in everyday life
- Available as Single or Family coverage
- No residence in Germany required
- Directly purchasable online from abroad
Coverage Duration
- Within Europe: Unlimited stay duration
- Outside Europe (e.g., Thailand): Up to 5 years coverage
- Extension option: Another 5 years upon request
Benefits, Plans & Annual Premium
Even small everyday mishaps can have major financial consequences abroad. Our plans provide comprehensive protection:
| Coverage Feature | EXPAT LIABILITY |
|---|---|
| Coverage amount (personal injury, property & financial losses) | €10 million (financial losses up to €5 million) |
| General deductible per claim | €150 |
| Coverage maximization per year | 3-fold |
| Rental property damages | €10 million |
| Favor damages | €30,000 |
| Damages by non-liable children | €30,000 (€150 deductible) |
| Loss of private apartment keys / professional keys | €30,000 (€500 deductible) |
| Damage to borrowed or rented items | €3,000 (€500 deductible) |
| Use of surfboards & boats | Included (sailboats up to 10m²) |
| Care of dogs (private, no fighting dogs) | Included |
| Annual premium - SINGLE Plan | €79.73 (incl. 19% insurance tax) |
| Annual premium - FAMILY Plan | €109.48 (incl. 19% insurance tax) |
Practical Examples: When the Insurance Pays
Thomas lives in a modern condo in Hua Hin. He loses the electronic master key to his apartment. Because the entire floor's locking system must be replaced for security reasons, immense costs arise. The insurance covers the costs minus the deductible.
Sabine has rented a furnished house for her long-term stay. While rearranging, a heavy object slips from her hands and shatters the expensive glass kitchen countertop. Since rental damages are covered up to €10 million, the claim is settled seamlessly.
Michael rents a surfboard at the beach. Due to carelessness, he collides with another tourist's expensive Jet Ski in the water. The owner demands compensation for the repairs. The plan steps in and defends against unjustified claims.
Under the Family plan, an expat family's child carelessly runs into the street while playing. A cyclist swerves, falls, and gets injured. The insurance covers the medical costs and the property damage to the bicycle.