If you want broad protection for every area of life, the Privatschutz Paket (private protection package) combines the most important liability and protection benefits. Instead of putting individual modules together, the package gives bundled cover: easier to manage, often cheaper in total premium and with fewer gaps in protection.
The Privatschutz package typically combines private liability insurance (Privathaftpflichtversicherung), protection against everyday risks such as damage to rented property, children below the age of legal responsibility and leisure activities, and further modules that secure daily life. Depending on the tariff, it can also include assistance services, key loss cover or special cover for drones and hoverboards. These are risks that standard tariffs often lack.
Besides price, a package has other advantages: there are no interface problems between separate policies, and no question of which contract is responsible when a claim arises. One policy, one contact, clear responsibility.
For families, couples and active individuals, the Privatschutz package is often the most sensible solution, as it bundles the relevant everyday risks in one clear product. The package can also be adjusted to individual circumstances, whether that is a dog, voluntary work or an owner-occupied property.
We analyse your personal protection needs and show you whether the Privatschutz package is the right fit, or whether individual modules suit your situation better.
Privatschutz Package Benefits
The Allianz Privatschutz package combines several insurance policies with discounts.
Policies you can combine:
- Private liability insurance
- Household contents insurance (Hausratversicherung)
- Legal expenses insurance (Rechtsschutzversicherung)
- Buildings insurance (Wohngebäudeversicherung)
- Pet health insurance (dogs, cats, horses)
- Pet owner's liability insurance (Tierhalterhaftpflicht)
- Accident insurance (Unfallversicherung)
Discount scale:
- 2 policies: 5% saving
- 3 policies: 10% saving
- 4 policies: 15% saving
- 5+ policies: 20% saving
Advantages: Clear administration through one portal, online configurator, 24/7 management through Meine Allianz. An extra 5 to 10% discount on car insurance (Kfz-Versicherung) is possible.
Privatschutz Tips
- Bronze package (5% discount): Private liability + household contents.
- Silver package (10% discount): Private liability + household contents + legal expenses.
- Gold package (15% discount): Private liability + household contents + legal expenses + buildings or pet cover.
- Platinum package (20% discount): Private liability + household contents + legal expenses + buildings + dog cover.
The Bronze package can be taken out online; the other packages come with personal advice.
