Liability Insurance
- Worldwide cover up to €50M
- Key loss and lock replacement covered
- Damage in rented homes covered
- Fast in-app claims and support
- Save up to 30% with Safepoints
- Rated Very Good 0.9 by Stiftung Warentest
- BaFin licensed, 100% digital provider
- Fast help via app
Description
Life happens. We get it. Even when you're careful, things go sideways—you leave a scratch on the rental floor, spill coffee on someone else's laptop, or cause a minor bike accident. Liability insurance exists so your mistakes don't bankrupt you.
We pay when you accidentally injure others or damage their property. This includes worldwide coverage up to €50 million—because accidents don't check borders. Key extras are included: lost keys, even the lock replacement, and damage to rental property. You can also easily cover your family or your drone (which, by the way, is mandatory in Germany).
Report a claim in minutes via the app and speak to real people quickly. You can start today and cancel daily, giving you maximum freedom with minimal risk. With Safepoints, you save up to 30% for staying claim-free, because being careful should pay off.
Reviews
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
.avif)
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
Liability cover at a glance
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
Who can get this insurance and who is covered under one policy?
You can buy it if you live in Germany and are at least 18. It protects you in private life, worldwide. You are covered as the policyholder, with the Family add-on your partner and children, people who live with you temporarily, like an au pair, and cats and small pets are included too. Dogs are not covered.
When does coverage start and is there a waiting period?
You pick your start date during the purchase process. Your coverage begins exactly on that day, as confirmed in your policy, and there’s no waiting period. Important: We naturally can’t cover any damage that happened before your start date.
What does Getsafe Private Liability cover?
Financial claims if you accidentally injure someone or damage someone else's belongings in private life. For example damage to your rented flat, like floors or walls, loss of private or work keys, including lock replacement, accidents in sports or leisure, damage caused by cats and small pets. Limit: up to 50 million euros, worldwide. You can optionally cover drones up to 5 kg.
What is not covered?
Not covered are for example damage to your own property, pure glass damage, damage caused by your dog, costs for a locksmith service, car accidents and anything under motor insurance, normal wear and tear in a rented flat. Private liability also does not replace professional liability for your job.
How do I file a claim and what happens next?
Open the Getsafe app and report the incident. Tell us what happened, when, and who was involved. Add photos or documents if you have them.
We review your case, keep you updated in chat, and handle the process with the other party. Support is available 24 hours a day.
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.
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.
Have questions?
Let’s figure it out together.
Chat with an expert who speaks your language – not insurance jargon. For free and unobligatory.
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