With children in the house, the chance that something gets broken goes up, and not always on purpose. Children are curious, active and still exploring the world. Family liability insurance (Familienhaftpflichtversicherung) protects the whole family from the financial consequences of accidents and compensation claims, whether at home, at school or at sport.
Family liability insurance usually covers everyone living in the household: parents, children and often partners who are not in work. This means the whole family is covered under one contract, which is an advantage over separate individual policies.
Of particular relevance: children under seven are legally considered unable to be held liable for tort (deliktunfähig) and generally cannot be held personally responsible. The damage can still be compensated. A good family liability policy voluntarily pays compensation in such cases, even where there is no legal liability. This protects relations with neighbours and others and avoids conflict.
Typical everyday situations: a child breaks a window while playing, a bicycle runs into a parked car or a dog bites a visitor. In all these cases, family liability insurance applies and pays for the damage.
We find the family tariff that suits your family situation, with the right sums insured and strong protection for every stage of family life.
Family liability insurance benefits
Core benefits in all tariffs: protection against personal injury, property damage and financial loss, cover for damage to rented property, use of vehicles that need no insurance, defence against unjustified claims in court.
Basis (15 million euros): key loss €50,000, persons not liable for tort €50,000, drones up to 5 kg: 7.5 million euros. Smart (50 million euros): key loss included, borrowed items €75,000, Rabattretter included. Komfort (75 million euros): borrowed items included, new-value reimbursement up to 1 year. Premium (100 million euros): all benefits included, new value up to 2 years.
All tariffs: Mallorca cover, cover for unpaid claims against third parties, part-time activities up to €12,000.
Persons insured: spouse, unmarried partners (when living together), all children in the household, registered relatives, au pairs (up to 1 year), domestic help and babysitters.
Children from 18: insured while in training or study, living with their parents and not working (except a mini-job).
Liability of children by age: under 7 generally not liable for tort, 7 to 10 not liable in road traffic, 10 to 18 assessed individually.
Family liability insurance everyday examples
Bicycle collision (personal injury): Hans O. rides out of a driveway on his bike and collides with a cyclist who suffers paraplegia. Total damage over 7 million euros, including damages for pain and suffering and care costs.
Fire damage at a school (property damage): a 14-year-old plays with fire in the school building. A listed building is badly damaged. Costs over 17 million euros.
Mould (unjustified claims): Paul K. is held responsible by his landlord for mould. The insurer rejects the claims in two court instances.
