General
Base protection (Criteria used by Stiftung Warentest)
Personal and property damage
€15 million
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
Football, cycling, skiing and more sports
Flying drones (steering motorised model aircraft)
Damages through internet use (Europe)
Values and durations of cover
Personal and property damage
€15 million
Maximum payout per person
€15 million
Minimum contract duration
none
Cancellation period
1 day
Extensions and guarantees
Leistungsgarantie nach GDV-Musterbedingungen
Künftige Leistungsverbesserungen gelten automatisch
Vorsorgeversicherung (Personen- und Sachschäden)
3 Mio. €
Vorsorgeversicherung (Vermögensschäden)
50.000 €
Insured persons
Uninsured third parties
Protection against uninsured third parties
when unintentional - Minimum cover: €1,000
Legal enforcement of claims
Uninsured third parties
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
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)
Flying non-motorised aircraft (e.g. balloons and kites)
Use of dinghies, rowing boats and other non-motorised vessels
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 facilities (e.g. in hotels and holiday homes)
€10,000
Gradually occurring damages
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
