What’s inside the Getsafe liability insurance?

We explain which benefits you can count on and why they are totally sufficient.



What’s inside the Getsafe liability insurance?
Frankfurter Allgemeine
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Wirtschaftswoche
The amount you’re insured for

The amount you’re insured for

If you cause damages to another person or to that person’s property, you are privately liable unless you have a private liability insurance. We cover those damages to up to 15 million Euros. That’s 3 times the amount recommended by consumer protection.

Your deductible

Your deductible

A deductible is the amount you have to pay yourself before we take over. Example: you file a claim for 2.000 Euros and you have a deductible of 150 Euros. This means you pay 150 Euros and we pay 1.850 Euros. The higher the deductible you chose, the lower the price of your coverage will be. We consider a deductible for useful since we can reduce the number of small claims and frauds by having one. We thereby save money and time which results in a better price for you.

Loss of keys

Loss of keys

Whether you’re on your way back from Volleyball practice, your local pub, or the office: If you lose your private keys and your locking system needs to be exchanged, we cover any damages up to 50.000 Euros. Your coverage also extends to your office keys.

Debt loss coverage

Debt loss coverage

If you suffer a damage or injury from another person, that person is liable for compensating your loss. But what if that person does neither have liability coverage nor private funds to compensate you? In that case we compensate you for your loss and will cover any damages exceeding 1.000 Euros and below 3 million Euros.

All insurance benefits at a glance

Consumer protection defined 32 criteria that every liability insurance should have. The Getsafe liability beats that benchmark with ease in every case.

CoverageConsumer ProtectionOur benefits
Sum insured for personal and material damagemin. 5M €15M €
Financial damagemin. 100.000 €15M €
Cover for credit defaultMinimum amount of damage max. 1000€Minimum amount of damage 1000 €
Coverage 3M €
Provisional insurance clausemin. 3M €15M €
Sum insured for damage to rented propertymin. 50.000 €15M €
Sum insured for rent damages in rented rooms in buildingsmin. 500.000 €15M €
Animals
Occasionally taking care of other dogsinsured 5M €15M €
Occasionally taking care of other horses and usage of carriages belonging to othersmin. 100.000 €15M €
Riding horses belonging to othersinsured15M €
Properties
Loss of private keysmin. 20.000€50.000€
Gradual losses5M €15M €
Restructuring & construction works on buildingsmin. 60.000€200.000€
Water contamination (incl. small casks)5M €15M €
Heating oil tanksmin. 5.000 liter10.000 liter
15M €
Self-propelled machines til 20 km/hinsuredinsured
Renting of holiday apartments abroadinsuredinsured
Being abroad
Within the EUunlimitedunlimited
Outside the EU1 year5 years
Activities
Nanny/Babysitterinsured15M €
Electronic data exchanges / Internet usagemin. 100.000 €15M €
Voluntary/Community serviceMinimum amount of damage max. 1000€Minimum amount of damage 1000 €
Coverage 3M €
Gratuitous/free help for othersmin. 3M €15M €
Loss of work keysmin. 50.000 €15M €
Innovation clausemin. 50.000 €15M €
Performance guarantee in line with German Insurance Association Model Conditionsinsuredinsured
Surfboardsinsuredinsured
Remote-controlled model carsinsuredinsured
Insured people
Practical teaching (Fachpraktischer Unterricht)insuredinsured
If children are insured: Industrial placements of students and a waiting period of up to one year until the start of an apprenticeship or military serviceinsuredinsured
Children not yet liable for civil wrongdoingsmin. 20.000 €15M €
Recourse claims from social insurance agenciesinsuredinsured