For internationals living in Germany

The one insurance Germany expects you to have. Sorted in 3 minutes — in English.

Personal liability insurance (Privathaftpflicht) covers you when you accidentally injure someone or damage their property — claims that in Germany can reach millions of euros. As independent brokers we screen the German market and recommend one top tariff, so you don't have to compare 100 insurers in a foreign language.

from €3.64/month · €50M coverage · €0 deductible

100% online, e-signature
Worldwide coverage
Claims help in English
14-day right of withdrawal

Your coverage · example

TariffHFK1676 Premium

Injury & property damage€50,000,000

Deductible€0

Best-performance guaranteeIncluded

Total€5.28 /mo

Why 85% of German households have this insurance

Here's what nobody tells you when you move here: under German law (§823 BGB) you're liable for damage you cause without any upper limit — with your income, your savings, even your future earnings. One bad second can follow you for decades. Unless €3.50/month says it doesn't have to.

🚲

The cycling accident

You clip a pedestrian on your way to work. Broken hip, surgery, rehab, months of lost income — and you're personally liable for all of it.

Real claim: €500,000+

✓ Covered up to €50 million

💧

The washing machine

A hose bursts while you're out. Water soaks through to the flat below — the neighbour's parquet, walls and furniture are ruined.

Typical claim: €25,000

✓ Covered — €0 deductible

🧒

The kids & the rented flat

Your child floods the bathroom and the fitted kitchen swells up. It belongs to your landlord — and the bill lands on you.

Deposit gone + €8,000

✓ Covered — deposit stays yours

Unlimited personal liability vs. €3.64 a month. That's the whole math.

Who should be covered?

Partners and children in your household are covered under one policy — children up to age 27.

★ Our recommendation for internationals

HFK1676 Premium

As an independent broker, ETF4Kids can place you with insurers across the German market. For internationals we recommend this tariff — here's exactly why, black on white:

HFK1676 Premiumby andsafe AG · Provinzial Group, Münster — German insurer, supervised by BaFin

€3.64

/month

or €42.00/year — save 4% with yearly billing

€50 million coverage for injury & property damage — the market maximum
€0 deductible — the insurer pays from the first euro
Best-performance guarantee — if any German insurer offers a better condition in a claim, HFK matches it
Default protection from €1 — if an uninsured person harms you and can't pay, HFK steps in
Worldwide coverage — trips home or abroad included, as long as you live in Germany
Rental damage covered — damage to your rented flat, essential for expats
Lost keys — incl. work keys, covered up to €50M
Extras — drones to 5kg, dog-sitting, premium waiver if you lose your job (up to 12 months)

Why we recommend it We continuously screen the German liability market. HFK1676 Premium combines the highest coverage sum, zero deductible and the best-performance guarantee at this price point — which is why it's the tariff we place our own clients in. The basis of our recommendation is disclosed in the initial information (step 4).

IPID (PDF) Terms & conditions (PDF)

Covered in real life — situations like yours

Not legalese. This is what the policy actually does:

👨‍👩‍👧 For parents

🛋️Your kids damage the rented flat. Scratched parquet, a dented kitchen front, a broken built-in appliance — things that belong to your landlord. Accidental damage to your rented home is covered, so the deposit stays yours.

🧒Your child is under 7 and "can't be liable"? Under German law small children often can't be held liable — the neighbour whose e-bike got knocked over is left with the bill, and the peace is gone. HFK1676 waives this defence and pays anyway.

🎓Kids stay covered until their 27th birthday — even once they move out for university or their first job.

🍼Babysitting & playdates. Friends' kids you look after at home are included — and claims between the kids too.

🌍 For everyone

🚲You knock over a pedestrian while cycling. Injury claims in Germany can run into the millions — this is the core reason everyone here has this policy.

🍷Red wine on a friend's carpet, a dropped borrowed e-scooter, a scratch while helping someone move. Favours and borrowed items are covered.

🔑You lose your flat or office keys. Replacing a whole locking system can cost thousands — covered, incl. work keys.

✈️Trips abroad & visits home. Coverage is worldwide as long as you live in Germany — incl. the rental-car deductible on holiday.

Do you work in the German public sector (Beamte / öffentlicher Dienst)?

Add professional liability (Diensthaftpflicht) for yourself?

Covers damage you cause on duty — incl. your employer's recourse claims. Small add-on premium, quoted live.

Your profession

Fixed list required by the insurer — transmitted in German.

Add Diensthaftpflicht for your partner?

Your partner's profession

Your details

We need this to issue your policy. Your data stays in Germany (GDPR).

Salutation

Title (optional)

First name

Last name

Date of birth

Place of birth

Needed for the broker mandate document.

Occupation (optional)

Nationality

Shown in English — transmitted to the insurer as the German country name (e.g. Spanish → „Spanien").

ZIP code (PLZ)

City fills in automatically.

City

Street & number

Policy documents are sent here.

Mobile number

Used to verify your e-signature.

Coverage start date

Earliest start: tomorrow. The contract renews automatically from year to year unless cancelled at least 3 months before the end of the term.

Payment frequency

Do you currently have a German personal liability policy?

Policy number (Policennummer)

Current insurer (Gesellschaft)

Policy start (Beginn)

Policy end (Ende) (if known)

Status

The insurer needs this to coordinate the switch and may exchange data with your previous insurer. Please answer truthfully (§19 VVG).

Any liability claims in the last 5 years — including uninsured ones?

How many?

⚠️ Please answer truthfully — incorrect answers can void your coverage (§19 VVG pre-contractual disclosure duty).

Review & sign

German insurance law requires the following confirmations. Everything is summarised in plain English — the legally binding German originals are linked with each item.

Initial broker information (Erstinformation, §15 VersVermV) & basis of recommendation. I have received and read the statutory initial information about ETF4Kids GmbH, including its register number, supervisory bodies, remuneration and the market basis of its recommendation (§60 VVG).

Official version ↗

Product documents received. I received the product information document (IPID), the HFK1676 Premium terms & conditions incl. the general contract information of andsafe AG (Kundeninformation, part of the terms PDF) before purchase.

IPID (PDF)Terms (PDF)

Broker mandate (Maklervollmacht) & broker agreement. I appoint ETF4Kids GmbH as my insurance broker for this policy and authorise it to arrange, manage and service the contract on my behalf. The mandate covers only the products I request. I can revoke it at any time in text form.

Waiver of personal advice (Beratungsverzicht, §61 VVG). I purchase this policy online without individual advice and documentation. I understand that this waiver can limit my ability to claim damages from the broker under §63 VVG. Free advice in English is available before purchase at any time.

Right of withdrawal (§8 VVG). I can withdraw from this contract within 14 days in text form (e.g. email to info@hfk1676.de) without giving reasons. The contract renews automatically from year to year unless cancelled at least 3 months before the end of the term.

Sign with your phone 📱

We'll text a 6-digit code to your number. Entering it signs the broker mandate, the data-processing & confidentiality-release declaration, the advice waiver and your application (advanced electronic signature — timestamped, IP-logged and archived in your file).

✓ Signed & verified —

Payment

SEPA direct debit — the standard in Germany. First debit around your coverage start date. Any EU/SEPA account works.

IBAN

Please use a German bank account — your IBAN starts with DE and has 22 characters. Payment method: SEPA direct debit.

Account holder differs from the policyholder

Risk changes / remarks (optional)

Data processing & confidentiality release. I consent to my data being stored and processed — where required — by blau direkt, insuro, the insurer and involved reinsurers for documentation, contract brokerage and servicing, quality assurance, billing and compliance with insurance regulations, as set out in the full declaration.

Credit check (Bonitätsauskunft). I consent to the insurer or its authorised agent obtaining a credit report using my name, date of birth and address (e.g. via SCHUFA Holding AG or arvato infoscore GmbH). I can revoke this consent at any time with effect for the future.

SEPA mandate. I authorise HFK1676 to collect payments from the account above by direct debit and instruct my bank to honour these debits. The first debit is announced at least 5 calendar days in advance; I can demand reimbursement of a debited amount within 8 weeks of the debit date. Note: coverage begins on the start date only if the first premium can be collected (§37 VVG).

Application submitted! 🎉

Reference . Here's what happens next:

📄 Your signed mandate & application land in your inbox within minutes.
🛡️ andsafe AG issues your policy — coverage starts on your chosen date once the first premium is collected.
↩️ Changed your mind? You have 14 days to withdraw, no questions asked.
💬 Questions or a claim? Message us on WhatsApp — in English.

💬 Save our WhatsApp contact

Know another international who needs this? Forward them this page 💚

Start small. Dream big.

The one insurance Germany expects you to have. Sorted in 3 minutes — in English.

Your coverage · example

Why 85% of German households have this insurance

The cycling accident

The washing machine

The kids & the rented flat

Who should be covered?

HFK1676 Premium

Covered in real life — situations like yours

Your details

Your partner (same household)

Review & sign

Sign with your phone 📱

Payment

Application submitted! 🎉

Broker mandate (Vollmacht)

A — Principal (Vollmachtgeber)

B — hereby authorises (Versicherungsmakler)

C — Scope of the mandate

Place, date & signature

Data-processing consent & release from confidentiality

Person concerned

Your broker

What you consent to

Initial broker information

Who we are

Register entry

Basis of our recommendation (§60 VVG)

Ownership

How we are paid

Complaints & dispute resolution