Private Liability Insurance
- Up to €50m worldwide cover
- Lost keys and lock replacement
- Damage to rented homes covered
- Fast in-app claims and support
- Save up to 30% with Safepoints
Top coverage at a fair price
Everything in English
Support at your fingertips
Personal liability insurance covers the financial costs if you accidentally cause damage to someone else, their property or their assets. With Getsafe, you’re insured worldwide, up to €50 million.
Moving to a new city
New city, same to-do list: find a place, set up internet, haul boxes. You want to settle in, not worry about broken floors, break-ins, or a deposit dispute. These few protections keep the start calm, so you can actually explore.
Essential cover
for this moment
When your first job kicks off
First job, first paycheck — nice. Then the grown-up to-dos hit: health insurance, contract fine print, probation. You want to work, not read legalese, so here’s what actually matters now.
Essential cover
for this moment
When university starts
New chapter, new city, new shared flat—and suddenly you’re juggling timetables instead of parents’ evenings. You’ve got plenty on your plate. Tick a few basics now and future‑you keeps more time, money, and headspace for real student life.
Essential cover
for this moment
When your apprenticeship starts
New company, first payslip, maybe a move to a new city. You’re juggling contracts, deadlines, and real work life. Sort the basics now, so you can focus on your training.
Essential cover
for this moment
When you sublet a room
Your guest room turns into a mini flatshare and the extra rent helps with bills. Great, until keys go missing, deposits get debated, and the cleaning rota gets… creative. With a few basics in place, you stay the relaxed host, not the crisis manager.
Essential cover
for this moment
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When you move to Germany for work (EU)
New job, new country, lots of forms. Between registering, flat hunting, and your first letters from the Behörden, you just want to land and get to work. Cover the basics so a small mishap doesn’t derail your start.
Essential cover
for this moment
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When you move to Germany for work (Non-EU)
New country, new job, new paperwork. You’re sorting housing, registration and contracts, and just want to arrive without admin surprises. These are the few policies that genuinely make your start in Germany easier.
Essential cover
for this moment
Save on liability.
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Coverage details
When liability kicks in
Who and what is protected
What we do when claims happen
Not covered
Damage to your own property
We do not pay for loss or damage to things you own.
Locksmith to open your door
We do not pay for a locksmith to open your own door after you lock yourself out. We only pay for replacing lost keys and the lock system.
Damage caused by your dog
Claims caused by your dog aren't covered by your Private Liability insurance. Simply add our Dog Liability insurance and protect your furry friend in minutes.
Motor vehicle accidents
Injuries or damage while using a motor vehicle are not covered by private liability. These are covered by mandatory motor liability insurance that you need for your car.
Family belongings: Not covered
If family members damage each other's property (e.g. sibling breaks another sibling's laptop), this is typically not covered as they are part of the same household.
Documents
Trustpilot reviews
Your questions,
clearly answered.
Who can buy Getsafe Private Liability insurance?
You can get covered if you live in Germany and want protection for accidental damage you cause to other people or their property. You can add your partner and children with the Family add-on. Check the app for availability and any limits.
When does my cover start? Is there a waiting period?
Your cover starts on the policy start date shown in your documents. There is no general waiting period. Losses that happened or were known before the start date are not covered. For the natural hazards add-on, cover also begins on your start date; it does not apply to events that have already begun or were officially known when you bought the cover.
What exactly is covered, and is it worldwide?
If you die during the term, the agreed sum is paid to your chosen beneficiary. That money can cover a mortgage, loans, or daily costs. The payout is usually tax free for beneficiaries in Germany. Cover applies worldwide. Exclusions vary by policy, for example fraud or non disclosed risks. We explain any limits before you decide.
How do I file a claim?
Super simple: just report it in the app, upload receipts or photos – done. In most cases, you’ll hear back within a few days.
Am I covered abroad?
Yes. You are covered worldwide up to 50 million euros. If you move abroad for good, tell us, since the policy is designed for people who live in Germany.
Have questions?
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One App. All your Insurance.
Easily manage all your insurance policies in a single app. From clear overviews of your coverage to instant claim submissions, we put you in control of your insurance so you can get back to what matters.
24/7 claims service
Got questions or want to file a claim? We’re there for you right in the app to give you help right at your fingertips.
100% in English, 100% digital
Tired of insurance in German? No problem. We're 100% digital and fully available in English, from the app to your policy. Manage everything you need, hassle free.
Safepoints™ Earn. Save. Repeat.
Our Safepoints™ feature helps you actively save on your premium. You earn points by making safe choices, like completing quizzes, and for maintaining a liability-claim-free record. It's a simple way to get rewarded for being a responsible policyholder.
Get help your way
We believe getting help should be easy. Choose between our intelligent AI, a human expert, or a professional consultant to guide you through your insurance questions and needs, all on your terms.
Best Price. Best Product.
We offer you the perfect blend of great prices and a top-tier product. It's the ideal combination of high quality and affordability, designed to give you the most value for your money.
Long term but flexible
With our long term yet flexible policies you get the best of both worlds. We offer great prices and comprehensive coverage you can count on for the long run while giving you the freedom to easily make changes or cancel anytime all within the app.
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