Deutschland Kompass
↰ Liability insurance
STEP

Sign Up in 10 Minutes: What to Check

Three criteria decide quality: coverage from €10M, default coverage (Ausfalldeckung) and key loss. Sign-up is online; protection starts the next day.

✓ Verified: 15/08/2026

WHAT TO DO

English sign-up in minutes: GetSafe (app, claims via chat) or Feather (built for expats, honest do-not-overbuy advice).

Next step →
Details and tips
👨🏻‍💻
Max recommends:

Check the Ausfalldeckung clause: if someone liable to YOU has no insurance and no money, your own policy pays you. Saved an acquaintance 12 000 €.

👩🏼‍💼
Lea recommends:

Digital insurers sign you up in 10 minutes in English, cancellable monthly. Better any good policy today than the perfect one next month.


FREQUENTLY ASKED QUESTIONS

When does cover start?

From the date in the policy, usually right after the first payment. There is no waiting period — sign up today, covered today.

Take a deductible for a better price?

A 150 € deductible saves a few euros a year — while the frequent small cases stay yours. For liability insurance it almost never pays off.

What is Ausfalldeckung?

Mirror protection: if someone damages YOU and has neither policy nor money, your own insurer pays. Without it you are protected only as the culprit, not as the victim.

My German is weak — how do I sign up and file claims?

Digital insurers run fully in English: app, contract, claims via chat. That is their main edge over classic insurers with paper mail.

OFFICIAL SOURCES