The Getsafe liability insurance

Take a look on the benefits of our liability insurance.

What's covered?
General
Activities & Hobbies
Real estate
Documents

General

Base protection (Criteria used by Stiftung Warentest)

Personal and property damage

€15 million

General excess

none

Cancellation period

1 day

Cover guarantee matching GDV (German Insurance Association) sample terms

Damages to borrowed and hired property

€10,000

Protection against uninsured third parties

when not with intent - Minimum cover: €1,000

Real estate

Keys to a rental property

€50,000

Profession-related keys (e.g. school)

€50,000

For renters: Rented rooms (Rented property damage)

For homeowners: Single family house or flat, personal use

For landlords: Letting a flat

Germany-wide, up to €15,000 gross per year

Activities & Hobbies

Pro bono activities

Football, cycling, skiing and more sports

Flying drones (steering motorised model aircraft)

up to 5kg

Damages through internet use (Europe)

Values and durations of cover

Personal and property damage

€15 million

Maximum payout per person

€15 million

General excess

none

Asset damage

€15 million

Minimum contract duration

none

Cancellation period

1 day

Extensions and guarantees

Cover guarantee matching GDV (German Insurance Association) sample terms

Future extensions valid automatically

Provisional insurance (Personal and property damage)

€3 million

Provisional insurance (Asset damage)

€50,000

Insured persons

Policyholder

Uninsured third parties

Protection against uninsured third parties

when unintentional - Minimum cover: €1,000

Legal enforcement of claims

Up to €15,000

Cover abroad

Within Europe

unlimited duration

Worldwide

up to 60 months

Insured activities

Providing voluntary assistance ('doing a favour')

€100,000

Self-employed, extra-professional services

Up to a yearly turnover of €10,000

Pro bono activities

Childminding/babysitting

including semi-professional - Max. 6 children

Borrowed property

Damages to borrowed and hired property

€10,000

Free time and hobbies

Football, cycling, skiing and other sports

Flying drones (steering motorised model aircraft)

up to 5kg

Flying non-motorised aircraft (e.g. balloons and kites)

up to 5kg

Use of dinghies, rowing boats and other non-motorised vessels

Surfing (own board)

Surfing (loaned board)

Sailing (loaned boat)

Driving a motorboat (owned by a third party)

Occasional use only, and provided no permit is required

Operation of model vehicles (land & water)

Damages through internet use

Qualifying damages caused within Europe

Qualifying damages caused outside of Europe

Animals

Care of another person's dog(s)

Care of another person's horse(s)

Horseriding or carriage rides (when the horse is owned by a third party)

Tame house pets (e.g. birds or cats, dogs not included)

Loss of keys

Keys to a rental property

€50,000

Profession-related keys (e.g. school)

€50,000

Keys related to voluntary activities (e.g. sports team, church group)

€50,000

For renters

Rented apartments

Rented buildings

Rented facilities (e.g. in hotels and holiday homes)

€10,000

Gradually occurring damages

excluding mildew damage

For homeowners

Single family house or flat, personal use

Heating oil tanks, up to a capacity of:

overground: 10,000 litres - underground: 10,000 litres

Operation of solar panels

including feed into the public grid

Construction, up to a budget of:

€200,000

For landlords

Letting an apartment

Germany-wide, up to €15,000 gross per year

Letting a holiday home within Germany

Germany-wide, up to €15,000 gross per year

Miscellaneous

Household sewage

Why Getsafe?

These are the benefits with every Getsafe insurance.

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Insure yourself online in just 5 minutes
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Extensions can be added at any time
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Completely digital in our app
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No fixed duration, can be cancelled at any time
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24-hour service
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Payouts made in a matter of minutes
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High-value cover for fair prices
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