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How to get an internship visa for Germany

Germany is one of Europe’s top destinations for international students and young professionals looking to gain valuable work experience through internships. 


Whether you’ve already secured an internship or plan to search for one once you arrive, the internship visa for Germany offers the opportunity to legally live and work in the country for a limited time.


In this step\-by\-step guide, we’ll explain:


- Who is eligible for an internship visa and when you need one
- The documents you’ll need to apply, including internship confirmation and visa\-compliant health insurance
- Where and how to submit your application through a German embassy or consulate
- Typical visa processing times, fees and helpful tips to avoid common mistakes
- What to do after arrival, including registering your address and opening a bank account


## What is the Germany internship visa?


The internship visa for Germany is a temporary residence permit that allows non\-EU citizens to complete an internship with a German company or organisation – this applies to both paid and unpaid arrangements. 


It’s commonly used by university students, recent graduates and young professionals who need practical work experience either as part of their studies or to boost their career.


Unlike a tourist visa or a [schengen visa](https://feather-insurance.com/blog/germany-schengen-visa-explained), an internship visa specifically allows you to work in Germany during your internship period. If your internship is longer than 90 days or if you are not from a visa\-exempt country, this visa is essential.


## Who needs an internship visa for Germany?


You will need an internship visa if:


- You are a non\-EU citizen
- Your internship will last longer than 90 days
- Your home country does not have a visa exemption agreement with Germany.


Even [if you are from a visa\-exempt country](https://www.auswaertiges-amt.de/en/visa-service/231148-231148) like the USA, Canada or Australia, you will need to apply for a residence permit in Germany if your internship exceeds 90 days. 


To avoid delays and confusion, many applicants prefer to secure the visa before travelling.


Approval from the [Federal Employment Agency](https://www.arbeitsagentur.de/en) (Bundesagentur für Arbeit) is also typically required to make sure that your internship meets labour standards and local regulations. This is usually obtained by submitting a formal application through your employer or internship provider, who must provide details about the internship conditions, your role and your qualifications. The Agency then reviews whether the internship complies with employment and immigration rules before granting your approval.


## Internship visa requirements: what documents you’ll need


When applying for a German internship visa, you must provide several key documents that respect [Germany’s visa requirements](https://feather-insurance.com/blog/germany-visa-requirements/). Each of these plays an important role in proving your eligibility and securing your visa.


### Valid passport


You will need a passport that remains valid for at least three months beyond your intended stay in Germany, and that has space for at least two blank pages for visa stamps.


If your passport is set to expire soon, it’s best to renew it before beginning your visa application to avoid any processing issues.


### Internship agreement or confirmation letter


Your future German employer must provide a signed internship contract or a formal letter confirming the internship offer. This document should clearly state:


- The start and end dates of the internship
- The internship role and responsibilities
- The working hours and, if applicable, the monthly salary.


Without this letter, your visa application cannot proceed.


### Federal employment agency approval


Most internships for non\-EU citizens require pre\-approval from the Federal Employment Agency (Bundesagentur für Arbeit). This step ensures your internship complies with German labour law and offers appropriate training opportunities.


If you have secured employment, your employer in Germany will usually apply for this approval on your behalf. Make sure you receive a copy of the approval letter to include in your visa application.


### Proof of financial resources


You must demonstrate that you have enough financial means to support yourself while living in Germany: at least [€992 gross per month](https://uk.diplo.de/uk-en/02/2449400-2449400).


You can prove this through:


- A [blocked bank account](https://www.auswaertiges-amt.de/en/sperrkonto-388600) with sufficient funds
- A formal sponsorship letter from someone willing to cover your cost
- A scholarship letter, if applicable


Opening a blocked account is one of the most common methods. Providers like [Deutsche Bank](https://www.deutsche-bank.de/ms/pc/home.html) offer this service specifically for international students and interns.


### Proof of visa\-compliant health insurance


Health insurance is a mandatory requirement for your visa to be approved.


For internship visa applications, you will need to provide proof of valid health insurance that meets German standards – travel insurance is not sufficient for D visa applications. Comprehensive [expat health insurance](https://feather-insurance.com/health-insurance/expat) is the best way to be covered from day one in Germany.


Make sure your insurance covers:


- Outpatient and inpatient care
- Emergency medical services
- Repatriation costs (if required by the embassy)


### Completed visa application form


You will need to submit the national visa application form (available on your local [German embassy or consulate website](https://www.auswaertiges-amt.de/en/about-us/auslandsvertretungen/deutsche-auslandsvertretungen)). 


Make sure the form is filled out completely and signed.


Some embassies allow you to fill out this form online in advance, so it’s always worth checking beforehand.


### Biometric passport photos


Provide two recent biometric passport photos (35mm x 45mm) that comply with [German photo standards](https://www.germany.info/resource/blob/906790/6e3eee9fd4d86e16aaefe0e92d809332/dd-sample-photos-data.pdf). 


Photos that don’t meet the specifications will be rejected, so be sure to double\-check size, lighting and background colour requirements.


### Motivational letter


You should include a short letter explaining why you want to do this internship in Germany. This letter should outline:


- Your career goals
- How the internship fits into your studies or professional development
- Why you chose this particular company or field


A well\-written motivational letter shows the visa officer that you have clear, purposeful plans. It can be the difference\-maker to your internship visa approval.


### Proof of educational status


If you are a current student, you will need to provide confirmation of enrolment from your university. If you are a recent graduate, include a copy of your degree certificate or transcripts.


Some internships may specifically require that you are still enrolled in a study program, so check your employer’s conditions carefully.


## How to apply for the internship visa: step\-by\-step


Once you’ve gathered your documents, here’s how the visa process typically works:


1. **Book an appointment at your local German embassy or consulate.** Appointment waiting times can vary significantly, so try to book as early as possible.
2. **Submit your visa application and documents in person.** At your appointment, you’ll hand in all documents, provide biometrics (fingerprints and photos) and answer questions about your plans.
3. **Pay the visa fee.** The fee for a long\-stay internship visa is typically €75\.
4. **Wait for processing.** Processing times can range from four to twelve weeks, depending on the embassy.
5. **Receive your visa and prepare for your move to Germany.**


## After you arrive in Germany


### Register Your Address (Anmeldung)


Within 14 days of moving into your German accommodation, you must complete the Anmeldung (address registration) at your local Bürgeramt (citizens’ office).


You’ll need:


- Your passport
- Your visa
- A signed rental contract
- The tenancy confirmation (Wohnungsgeberbestätigung) signed by your landlord


Without the Anmeldung, you won’t be able to open a bank account or extend your visa.


### Open a German bank account


Opening a local bank account will help you receive any payments, pay rent and manage your finances more easily. Online banks like [N26](https://n26.com/en-eu) are popular with expats and offer quick account setup.


### Activate full health insurance coverage


If you initially used travel insurance to apply for your visa, now is the time to switch to [expat health insurance](https://feather-insurance.com/health-insurance/expat) that meets all long\-term requirements.


Feather’s digital health insurance plans are fully compliant with German law, can be arranged online with immediate confirmation and start from just €72 a month.


## Final tips for a successful internship in Germany


- **Learn some basic German.** It will make daily life much easier, even if your internship is in English.
- **Respect German workplace culture.** Punctuality, clear communication and direct feedback are valued in most German companies.
- **Stay organised.** Track your visa expiry date, keep your health insurance up to date and prepare early for any required extensions.


The Germany Internship Visa is your gateway to gaining international work experience and building valuable connections in one of Europe’s strongest economies. With careful planning, the right documents and visa\-compliant health insurance from Feather, you can make your move smoothly and confidently.

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[BP] Internship Visa Germany

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How to get a language course visa for Germany

If you want to fully immerse yourself in the German language and culture, applying for a language course visa in Germany is the best starting point. 


This visa is designed explicitly for non\-EU citizens who want to stay in Germany for over 90 days to focus entirely on learning the language. 


Whether you aim to prepare for university, boost your career or simply explore German life in greater depth, this visa allows you to study in Germany for up to one year.


In this guide, you’ll learn:


- Who can apply for the language course visa and how long it’s valid for
- Which language programs meet the visa requirements
- What documents you’ll need
- What to do after arriving in Germany to stay compliant
- Why health insurance is mandatory and how Feather makes it simple


## What is the German language course visa?


The German language course visa (Sprachkursvisum) is a national visa that allows non\-EU citizens to live in Germany while attending an intensive German language course. 


Unlike a short\-term tourist visa, this visa is intended for courses that last between three months and one year. It is a great option for people who want to commit fully to language learning without working on the side.


You can’t convert the German language course visa into another type of visa, such as a work visa or student visa, while you are in Germany. If you wish to stay longer for work or further studies, you would need to leave the country and apply for a new visa from your home country.


## Who can apply for the German language course visa?


The German language course visa is available to citizens of countries outside the European Union (EU) and the European Economic Area (EEA). This visa is intended for non\-EU/EEA nationals who wish to participate in an in\-person, long\-term German language course. 


If you are from a [visa\-exempt country](https://www.auswaertiges-amt.de/en/visa-service/231148-231148), you will still need this visa if your course lasts longer than 90 days. Citizens of EU and EEA countries do not need this visa.


Here are the requirements:


1. Applicants must enroll in a full\-time, in\-person German language program.
2. The course must have a minimum of 18 hours of instruction per week.
3. You also need to prove that you can financially support yourself during your stay in Germany
4. You must have [valid health insurance](https://feather-insurance.com/health-insurance) for the entire duration of your visa.


This visa is not meant for tourists, part\-time learners or anyone looking to work while in Germany.


## How to choose the right language course for your visa


Not every German class qualifies for the language course visa in Germany. 


To be eligible, you must enroll in a full\-time, intensive, in\-person language course. Online classes and part\-time courses are not accepted.


You must be studying for a minimum of 18 hours of instruction per week and the course should last at least three months, although many students choose to stay for six to twelve months. 


The language school should also be recognised and reputable, with proper documentation confirming your enrollment, payment and course details. 


Well\-known German language schools include:


- [Goethe\-Institut](https://www.goethe.de/ins/gb/en/index.html)
- [Humboldt\-Institut](https://www.humboldt-institut.org)
- [DeutschAkademie](https://www.deutschakademie.de)
- [Sprachschule Akti](https://www.sprachschule-aktiv.de)


When applying, you’ll need an official enrollment letter from the language school that includes the start and end dates of the course, the total tuition fees and confirmation that your payment has been received.


## Required documents to apply for the German language course visa


Preparing the correct documents is essential when applying for the visa. Missing or incomplete paperwork is one of the most common reasons why applications end up getting delayed or rejected.


### The application form and passport


You will need to complete the national visa application form, which you can usually find on the website of your [local German consulate](https://www.auswaertiges-amt.de/en/about-us/auslandsvertretungen/deutsche-auslandsvertretungen). Make sure all information is accurate and matches your supporting documents. Your passport should be valid for at least three months beyond your planned stay in Germany and must have at least two blank pages for visa stamps.


### Proof of enrollment


Your language school must provide you with an official confirmation letter stating the course duration, the number of hours per week and the total tuition fees. The visa authorities will expect to see proof that you’ve paid for the course or at least made a deposit.


### Financial proof: opening a blocked account


Opening a blocked account ([Sperrkonto](https://www.auswaertiges-amt.de/en/sperrkonto-388600)) in a German bank is the most commonly accepted proof of sufficient financial resources. This restricts you to withdrawing a set amount each month, ensuring that you can cover your living expenses while in Germany. Some applicants may also be able to use a formal sponsorship letter or scholarship as financial proof.


### Accommodation


You must show where you will be living during your stay in Germany. This can be a rental agreement for an apartment, a room in a shared flat or confirmation from your language school if housing is provided as part of your course. Temporary hotel bookings may be accepted for your initial arrival period.


### Health insurance coverage


Health insurance is mandatory for the language course visa in Germany. Travel insurance is not sufficient: you need full, visa\-compliant health coverage. The insurance must cover both outpatient and inpatient care for the entire duration of your stay.


For expats who don’t qualify for public or private plans right away, expat health insurance provides a temporary and easy solution that offers coverage tailored to international residents until they secure more permanent options.


Feather’s affordable [expat health insurance plans](https://feather-insurance.com) are specifically designed for language students, with policies that offer modern, flexible coverage and are easy to purchase online. 


Feather also provides instant access to key documents for visa applications – including certificate of authority, confirmation of coverage and [Anlage 6](https://sofia.diplo.de/bg-de/service/visa/1796742-1796742) – strengthening applications.

### Visa application fee


The [standard visa fee is €75](https://vilnius.diplo.de/lt-de/service/05-visaeinreise/2632820-2632820). Some consulates may have specific payment instructions, so check in advance whether cash or card is accepted at your visa appointment.

## How to apply for the German language course visa: step\-by\-step


### Step 1: Enroll in your language course


Start by enrolling in a qualified German language program and secure your official enrollment confirmation. You’ll need this document to start your visa application.


### Step 2: Gather all required documents


Carefully prepare all of the documents that you’ll need to be successful: 


- Your completed application form
- Passport
- Photos
- Financial independence proof
- Proof of accommodation
- Health insurance confirmation


Missing documents can cause delays or lead to rejection.


### Step 3: Schedule your visa appointment


Contact the German consulate or embassy in your home country to book your visa interview. Appointments can take weeks to months to secure, so it’s always best to start early.


### Step 4: Attend your visa interview


Bring your complete application package to the interview. You may be asked about your motivation to learn German and your future plans. It’s important to demonstrate that your main goal is solely to study the language.


### Step 5: Wait for visa processing


Visa processing times vary depending on your location but typically range from four to twelve weeks. Be patient and regularly check the status if updates are provided by your consulate.


## What to do after you arrive in Germany


### Register your address


Within two weeks of arriving in Germany, you must register your address (Anmeldung) at the local citizens’ office (Bürgeramt). You’ll receive a registration certificate which you will need for many official purposes such as opening a bank account.


### Attend your language course


It’s crucial to attend your language classes regularly, as your visa depends on your participation. Skipping classes or failing to complete the course could jeopardise your legal stay.


### Seek out part\-time employment


If you need to help fund your stay in Germany, you can work on a part\-time employment basis with a German language course visa, but only up to a maximum of 20 hours per week. [Stepstone](https://www.stepstone.de), [CareerBee](https://www.careerbee.io/jobs/?_gl=1*1e6i6q3*_gcl_au*MjA2MTE0NjI0Ni4xNzUwMzIyOTc2) and [zuhausejobs](https://zuhausejobs.com) are recommended starting points to work 


### Maintain your health insurance


Health insurance is essential for protecting yourself while studying abroad. Without valid coverage, your visa application will not be approved, and you could face issues even after you arrive in Germany. Your health insurance must remain valid for your entire stay. 


## Final tips for a smooth visa application


Start the process early to allow enough time for document collection and visa appointments. Double\-check the specific requirements of your local consulate, as these can vary. Make sure your health insurance stays active without gaps. Keep funds in your blocked account and attend your language course consistently to stay compliant.


Remember, the German language course visa cannot be extended or changed to another visa type while you are in the country. If you wish to continue your stay for work or further studies, you will need to return to your home country and apply for a new visa.


By following these steps carefully, you’ll be well on your way to securing your visa and starting your language learning journey in Germany. If you need reliable, affordable health insurance that meets visa requirements, Feather is here to help you every step of the way.

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[BP] Language course visa Germany

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The ultimate checklist on leaving and returning to Germany

Moving abroad is no easy task, especially when you don’t understand the language or the systems in place. As it turns out, the same is true when moving away from a foreign country. Especially if you’re leaving or returning to Germany!


Just as many found out too late that moving to Germany for work means you can write off the moving expenses like the airplane ticket on your tax return, many find out much too late that when they leave Germany, they can actually get their [pension payments refunded](https://allaboutberlin.com/guides/pension-payments-refund) to them. 


If you’re leaving Germany, check out our article on the [pension refund here](https://feather-insurance.com/blog/a-complete-guide-to-getting-your-german-pension-back/)!


## **What to watch out for when leaving Germany**


If you’re leaving Germany, you’ll need to watch out for a few important things: 


### *[Abmeldung](https://allaboutberlin.com/glossary/Abmeldung)* — Deregistration


When you first arrived in Germany, one of your first experiences was probably trying to obtain the coveted *Anmeldung*, or registration. Well, it turns out that you need to get a deregistration form too when you leave. This will play a key role in getting your pension refund back. If you want a quick calculation to see how much you’ll get back, you can use [the calculator from All About Berlin](https://allaboutberlin.com/tools/pension-refund-calculator) as a benchmark.


### Cancel your work contract 3 months in advance


You’ll need to cancel your working contract 3 months before leaving Germany. The only exceptions to this are if you are not working full\-time or your employer has signed an agreement with you for an earlier termination date.


### Cancel everything early


Contracts for things like your apartment have to be cancelled **three months in advance**. For your phone bill, gym and other local contracts you have, you can provide proof that you’re leaving with the *Abmeldung* (deregistration), plane tickets or new working contract to cancel early. 


Cancel in person and get written proof that this has been done. Remember that sometimes you will need to receive a letter in the mail, sign it and send it back to cancel some contracts. 


### Mark your bank account as “dormant”


When you do this, make sure that you look back at each automatic payment to switch over to your new international account like Netflix, Spotify or Amazon. If your account ends up in the negatives, the bank might decide to start an international address inquiry which is quite expensive.


### Prepare your pension refund documents


As mentioned in a previous article, you can get your pension payments back if you have worked in Germany for less than five years. After five years, you’re entitled to recieve pension benefits, so you are no longer eligible at this point.



Interested in how much you can get back from your German pension insurance? [German Pension Refund](https://pension-refund.com/free-eligibility-check.html) will do a free calculation for you and send an estimate.


###### List of common contracts in Germany:


- Phone
- Work
- Rental
- Rundfunk (TV)
- Electricity
- Water
- Gas
- Internet
- Insurance
- Bank
- Gym



## **Things to watch out for when returning to Germany**


Returning to Germany is a bit tricky in terms of some paperwork like insurance (though not as complicated as in the [USA](https://feather-insurance.com/health-insurance/private/us)), but easier for things like getting a new gym subscription or phone plan, or or [signing up for an electricity provider](https://nomadandinlove.com/electricity-providers-in-germany/). If you’ve already gotten your pension refund, you’ll start out at zero again for your contributions as if nothing happened. 


Things to watch out for: 


### *[Anmeldung](https://allaboutberlin.com/guides/anmeldung-in-english-berlin)* — registration


Even if you formerly lived in Germany and are returning, you’ll still need to go through the process of getting the *Anmeldung* again. It’s a pain, but you need it. 


### Reopening your [German bank account](https://allaboutberlin.com/guides/first-bank-account-in-germany)


If you marked your old bank account as “dormant” then you can reactivate it at the bank with an appointment. If you closed the bank account entirely, you’ll need to open a new one. 


### Sign up for health insurance


This is a tricky one depending on where you are from or your age. If you’re over 55 or you opted out of public health insurance, you might not be eligible to sign up for [public health insurance](https://www.feather-insurance.com/public-health-insurance) anymore. You can [contact us](https://www.feather-insurance.com/support), and we’ll look through the plans with you to find out what best suits your situation.



## **How Feather and German Pension Refund can help**


Both Feather and German Pension Refund believe in helping people navigate through Germany’s complex bureaucracy. For Feather, this means creating a platform where people can read their insurance documents in English at any time as well as submit claims in English. This also means that we can help you when you’re leaving or returning to Germany.


Explore our insurance plans below:



[Let’s go!](https://www.feather-insurance.com/public-health-insurance)

German Pension Refund does the same for people leaving Germany by providing them with detailed information on getting their refund back while also handling the most complicated documents:



[Let’s go!](https://pension-refund.com/)

Let us know if you have any questions about leaving or returning to Germany!

[BP] checklist on leaving germany

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Travel insurance for Schengen visa: What you need to know

Planning a European adventure? 


Whether you’re a full\-on digital nomad, a backpacker with a Eurail pass or just ready for a much\-needed holiday, there’s one thing you’ll definitely need if you’re not from the EU: a Schengen Visa.


And with that comes the inevitable “do I really need travel insurance?” question.


Simply put? 


You can’t afford to overlook it. 


If you are applying for a Schengen visa, it’s essential that you get travel insurance that includes travel health insurance (aka travel medical insurance). 


Yet understanding Schengen travel insurance doesn’t need to be complicated. 


Whether you’re embarking on a short trip or a longer stay, the right insurance will keep you covered and give you the freedom to roam without constant worries.


In this article, we’ll examine:


- Why you need travel insurance
- What it should cover
- And how to choose the best policy so you can focus on enjoying your time in Europe.


## What is the Schengen Area?


The Schengen Area is a group of 27 European countries that have abolished internal borders, making it incredibly easy for travellers to hop from one country to another without the hassle of multiple passport checks.


The Schengen Agreement, signed in 1985, has since become one of the cornerstones of European travel. It includes most EU countries and a few non\-EU nations, such as Norway, Iceland, and Switzerland. 


However, some EU countries, like Ireland, are not members of Schengen, and some Schengen countries are not EU members, so it’s essential to double\-check [the complete list](https://www.auswaertiges-amt.de/en/visa-service/buergerservice/faq/17-schengenstaaten-606722) before you plan your trip.


While the Schengen Area makes travel across Europe easier than ever, if you’re not a national of an EU or Schengen member state, you will need a Schengen Visa to enter. 


And to secure that visa, you need to have [travel insurance](https://feather-insurance.com/travel-insurance).


## Why you need travel insurance for a Schengen visa


First things first: it’s not optional. 


Travel insurance is a legal requirement if you’re applying for a Schengen Visa. The policy must provide a minimum coverage of €30,000 and be valid for the entire length of your stay in the Schengen Area. 


Without proof of insurance, your visa application may be denied, no matter how perfectly you’ve planned the rest of your trip.


But beyond ticking an important box on your application form, travel insurance is your essential safety net. 


From flight cancellations and lost baggage to unexpected medical issues, the right plan can save you in a big way when it comes to out\-of\-pocket expenses. 


Healthcare in many European countries can be extremely expensive for non\-residents, and without insurance, even a minor accident like a broken bone could result in bills that run into thousands of euros.


But beyond the legalities and financial risks, skipping travel insurance means forfeiting peace of mind. 


Travelling without the right insurance in place is like walking a tightrope without a safety net. Whether you’re strolling through the streets of Paris or hiking the Alps, knowing you’re covered allows you to fully immerse yourself in the experience, rather than worrying about the “what ifs.”


## Why is travel insurance so important?


Travel is all about adventure and discovery, but even the best\-laid plans can hit unexpected bumps. 


Whether you’re settling into a new life abroad or hopping from city to city as a digital nomad, things don’t always go smoothly. That’s where travel insurance comes in. It’s your trusted backup when life throws the unexpected at you.


Yet travel insurance is also a requirement when applying for a Schengen Visa for five very good reasons:


1. **Trip cancellations:** If something happens before your trip, such as an unexpected illness or a family emergency, travel insurance can reimburse you for non\-refundable expenses. Similarly, if you need to cut your trip short, your policy can cover cancellation fees, accommodation costs and much more.
2. **Baggage loss and theft:** Digital nomads will often pack gear that is worth thousands —laptops, cameras and gadgets galore. If any of these go missing, your travel insurance should reimburse you for the loss, making it easier to replace the essentials and get back to business as quickly as possible.
3. **Medical coverage:** No one plans on getting sick or injured during their travels, but if it happens, you don’t want to be caught off guard by sky\-high medical bills. In most European countries, medical expenses can be expensive for non\-residents, so having health travel insurance for Schengen visa (aka medical travel insurance) ensures you’re covered for any emergency care, doctor visits, or hospital stays you might need.
4. **Emergency evacuation and repatriation:** In the unlikely event that you need to be evacuated — whether it’s due to a severe illness or an unforeseen emergency — your insurance can cover the cost of getting you back home safely. This kind of coverage is truly invaluable.
5. **General protection:** Whether it’s a flight delay or a minor hiccup in your travel plans, having insurance gives you a safety net. When things go off the rail, it’s much better to be covered than to have to scramble for solutions.


## How to choose the right travel insurance for your Schengen visa


It’s clear that travel insurance is a must for your Schengen Visa, but how do you choose the right one? 


Picking the right travel insurance for your Schengen visa is hugely important — it makes sure you meet all the visa rules and keeps you covered if anything goes wrong with your health or money while you’re travelling.


1. **Meet the minimum coverage requirements:** Be sure to check that your insurance policy covers at least €30,000 in medical expenses and repatriation. This is the minimum requirement, and anything less won’t cut it for your visa application.
2. **Compare policies:** There are plenty of travel insurance providers, but not all policies are created equal. Compare coverage, exclusions, and prices from different providers to find a policy that best fits your needs as an expat or digital nomad.
3. **Look for 24/7 support:** When you’re travelling and away from home, you want an insurance provider that offers around\-the\-clock support. You don’t want to be scrambling around for information in the middle of the night when something goes wrong, so choose a provider that’s easy to contact in case of emergency, wherever you are.
4. **Know the exclusions:** Every insurance policy has exclusions — things that aren’t covered. Common exclusions usually include pre\-existing medical conditions, high\-risk activities like extreme sports, or travelling to countries with political instability. Make sure you understand what your policy covers and what it doesn’t, and ask questions if you’re not sure..
5. **Consider your needs:** If you have a chronic health condition or you’re planning to engage in certain higher\-risk activities such as skiing or scuba diving, make sure your insurance covers those specific situations before you travel. Extra coverage might cost you a little more up\-front, but it can save you a lot of time, money and stress in the long run.
6. **Check for country\-specific requirements:** Some Schengen countries may have specific insurance requirements. Double\-check the specific visa rules for the country you’re applying to and make sure your insurance ticks all the boxes.
7. **Look at the claims process:** If you do need to make a claim, you’ll want a smooth and easy process. The best insurance providers will give you the help you need with efficient and easy claims handling, so you’re not stuck with unnecessary bureaucracy when you need help most.

Everything above applies to [transit visa](https://feather-insurance.com/blog/transit-visa-germany) applicants too.
## Your travel safety starts here


Travel insurance for your Schengen Visa is a vital step in preparing for a smooth and worry\-free journey through Europe. 


Whether it’s medical coverage, trip cancellation, or emergency evacuation, the right travel insurance ensures you’re protected no matter what unforeseen events may arise during your trip. It’s essential for your safety and peace of mind while exploring the Schengen Area.


Don’t leave your travel plans to chance. Make sure your trip is covered from every angle by securing the right insurance policy.


Take the first step towards a safe, enjoyable trip. Your next adventure begins with Feather.

Get short-term expat health insurance

[BP] travel insurance schengen visa

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How to use expat health insurance for German Visas

> Summary: Visas are complex, so it’s important to know what’s required for your application. In Germany, health insurance is a legal requirement to visit, live, and work here. One problem many people have is knowing which visas accept [expat health insurance](https://feather-insurance.com/health-insurance/expat/) and which ones don’t. 
> If you need a refresher, here's [everything you need to know about expat insurance](https://feather-insurance.com/blog/expat-health-insurance-explained).
> Here, we cover which visas accept expat health insurance and what to watch out for when using it for your visa application.






## Time limitation of expat health insurance


Our "newcomer" plan for expat health insurance can be used for up to 5 years starting from your arrival date in Germany. If you’ve already been in Germany for 2 years and just now apply for expat health insurance, that means you’ll only have 3 years left before your expat health insurance expires. 

The time limit applies to everyone regardless of visa.

If you need to renew your visa or residence permit, you'll need [long-term expat health insurance](https://feather-insurance.com/health-insurance/expat/long-term), which fullfills all the requirements.


## Working holiday visa or Youth mobility visa („Working Holiday“\-Programm)


Because this visa is only available for one year, as long as you haven’t been in Germany for more than 4 years, you can use expat health insurance unless you have [pre\-existing conditions](#pre-existing-conditions1).


You can find more information on our health tool. 



[Take me there!](https://app.feather-insurance.com/health-insurance-tool)

## Freelance visas (Visum zur Selbstständigkeit)


If you’re applying for your first\-time freelance visa, then we recommend you get public health insurance unless you’re *not* coming from another EU country, then you would need to consider private health insurance or expat health insurance. If you have [pre\-existing conditions](#pre-existing-conditions1), [expat insurance](https://feather-insurance.com/health-insurance/expat/short-term) probably won’t be accepted for your visa application.


You should also see our [health tool](https://app.feather-insurance.com/health-insurance-tool?utm_source=blog&utm_medium=organic&utm_campaign=expat-visas) to find out what the best fit is for your visa, which can help determine which health insurance you’re eligible for. 


## German tourist visa (Schengen Visum)


If you’re planning to come to Germany for only a few weeks, getting simple [travel insurance](https://feather-insurance.com/travel-insurance) will be just fine while you’re here. Still, if you plan to stay for more than one month, expat health insurance is perfect for you since it covers you throughout the entire EU and can be canceled on a monthly basis. 


For some passport holders, this travel visa is granted on arrival. For others, you’ll need to contact the German embassy in your country to apply. With expat insurance, you can apply online from anywhere around the world, so there is no need to worry about any paperwork.


## Visitation visa (Besucher Visum)


If you have a formal invitation to Germany from a friend, family member, event, or company, you’re still going to need health insurance that covers at least €30,000 in costs, which expat fulfills – Depending on the German city you’re applying in. To find out the specific requirements for your visa, go to the specific city’s visa website and look for the visitation visa. Under additional information, you’ll see a list of links to related documents. The one you’ll need to look for is regarding additional information on health insurance requirements. 


## Medical visa (Aufenthaltserlaubnis zur medizinischen Behandlung)


For people seeking medical treatment in Germany, the requirements for a visa are vastly different from city to city. The general rule is that you’ll need health insurance to cover you while getting medical treatment, but since expat health insurance doesn’t cover [pre\-existing conditions](#pre-existing-conditions1) (a requirement for this visa), you’ll need to prove that you’re able to cover the costs of the surgery through another insurance or through bank statements. 


You will need at least travel insurance during this time, though (expat health insurance will not work in this case).


## Student visas (Visum zum Studieren)


If you’re 29 years old or younger, we highly recommend signing up for [public health insurance](https://feather-insurance.com/health-insurance/public). 


On our website, you can see four different public health insurance providers, which you can choose from. All of them are nearly identical in terms of coverage with small perks like travel vaccinations. 


This is only possible if your university is accepted by the state. If it is a private institution and not approved you will have to take out [expat insurance](https://feather-insurance.com/health-insurance/expat/short-term). But don’t worry, we will check that for you in the sign\-up process.


If you’re 30 years old or older, then public health insurance won’t accept your [student insurance](https://feather-insurance.com/health-insurance/public/students) status unless you’re working for the university as a Ph.D. student. Your university will have specifically told you that you would be covered under their insurance as a researcher or guest academic. We offer expat and [private health insurance](https://feather-insurance.com/health-insurance/private), but you can check out our [health insurance tool](https://app.feather-insurance.com/health-insurance-tool) to learn more about the options available to you.


## Visas for employment (Blaue Karte EU)


Expat insurance is not an ideal solution and doesn’t always work for your visa appointment unless you have a very specific situation. It’s best first to see if you would be covered by public or private health insurance before applying for expat – which you can check on our [health tool](https://app.feather-insurance.com/recommendation-tool/health). 


Someone might need expat insurance because they’re coming to Germany on a temporary employment visa and need to apply before starting work. Expat insurance can be canceled on a monthly basis, so you can use it until your employer enrolls you into a public or private health insurance plan. 

## Chancenkarte, opportunity card, or job searching visa


If you [qualify for a Chancenkarte](https://feather-insurance.com/blog/chancenkarte-how-to-apply/), you almost always have less than 2 years to find a full\-time position. This means that [expat health insurance](https://feather-insurance.com/health-insurance/expat/short-term) is perfect for this period of time when you don’t qualify for public or private insurance. 

The above is also true for [job-seeker visa](https://feather-insurance.com/blog/job-seeker-visa) applicants.

## Visa renewals

If you’re getting a visa renewal, you should either:
- Switch to public health insurance 
- Switch to private health insurance 
- Switch to long-term expat health insurance 

## Pre\-existing conditions


In the information document on the application (this is available on the website of the Foreigner’s Office in the city you’re applying in), they will almost always deny expat health insurance if you’d pay more than €300 out of pocket per year, which is the case if you have pre\-existing conditions. Since expat insurance doesn’t cover pre\-existing conditions, this ends up being a problem. Pre\-existing conditions include chronic illnesses like lung disease, kidney failure, or diabetes that an expat plan won’t cover.


## Does expat health insurance work with your visa type?


If expat health insurance works with your visa, that’s great news. You should sign up today, so you can complete your visa application as quickly as possible.


## Is your visa not listed here?


We know how complicated visas can be because most of us have also had to get them for Germany. Depending on the country you’re from, if you’re applying to a German National Visa or a Schengen Visa, things can change drastically. This guide is meant as an introduction to visas and health insurance requirements.


If the visa type you’re applying for isn’t listed in this article and you’re wondering if expat health insurance would fulfill the requirements, feel free to [send us your questions](https://feather-insurance.com/support)

 Quality service. Rare in Germany.

[BP] how can i use expat health insurance for my visa

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Liability Insurance Statistics, Trends and Facts

Liability insurance covers you financially from damages, injuries, and financial loss caused to another third party, along with any associated legal expenses. It’s becoming a popular, and in some countries mandatory, form of insurance. 


Although not a legal requirement in the country, **83%** of [Germans have liability insurance](https://www.gdv.de/gdv/themen/gesellschaft/versicherungsschutz-versicherungsdichte-ueberversicherung-49418) and **79%** [consider it a crucial type of insurance](https://www.versicherungsbote.de/id/4912070/Diese-Versicherungen-sollte-jeder-besitzen---finden-die-Deutschen/?gallery=kxctq). This makes Germany one of the countries with one one of the highest penetration rates for liability insurance. In the US, by contrast, [only 20% of American homeowners](https://www.bremer.com/insights/personal/2023-02-07-protect-yourself-with-an-umbrella-insurance-policy) opt for extra coverage through an umbrella liability policy. 


In this post, we’ll unpack the latest data on liability insurance, the costs coverage and the size of the global liability insurance market. 


## **Top liability insurance stats


- **$290\.5B** global liability insurance market valuation in **2024**.
- **$524\.66B** projected market size by **2034**.
- **83%** of Germans hold personal liability insurance.
- **54%** of small U.S. businesses carry general liability coverage.
- **36–53%** of U.S. small businesses face lawsuits annually.
- **$18\.8B** in average annual liability claim payouts (2017–2021\).
- **95%** of personal injury lawsuits settle before trial.
- **$1\.3M** average settlement in U.S. medical malpractice cases.


## Global liability insurance market size


- **$290\.5B** global liability insurance market in **2024**, up from **$275\.24B** in **2023**.
- **$524\.66B** projected market value by **2034**.
- **90\.6%** expected growth over the decade.
- **$126\.61B** market size in **North America** (2023\), representing **46%** of the global total.
- **25%** market share for **Europe**, **21%** for **Asia** in 2023\.


North America remains the dominant region by market share, driven by strong commercial adoption and high litigation risk.


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/3-Region-by-market-size-1024x614.jpg)
**Source**: [Precedence Research](https://www.precedenceresearch.com/liability-insurance-market), [TechSci Research](https://www.techsciresearch.com/report/liability-insurance-market/27890.html#:~:text=The%20global%20Liability%20Insurance%20Market,It%20also%20reduces)


### **Top 5 countries by liability insurance market size**


Here is the breakdown of the 5 countries with the largest liability insurance markets:


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/1-Countries-with-the-largest-insurance-markets-1024x614.jpg)
**Source**: [Agency Checklists](https://agencychecklists.com/2025/03/24/naic-2025-market-share-top-25-other-liability-insurers-75017/#:~:text=The%20Other%20Liability%20insurance%20market,amid%20a%20challenging%20claims%20environment), [market.us](https://market.us/report/liability-insurance-market/), [CEIC Data](https://www.ceicdata.com/en/china/insurance-premium/cn-insurance-premium#:~:text=China%20Insurance%20Premium%3A%20PI%3A%20Liability,RMB%20mn), [Asian Business Review](https://asianbusinessreview.com/insurance/news/japans-general-insurance-sector-slated-for94b-2028#:~:text=Liability%20insurance%2C%20representing%208.9,cyber%20insurance%20and%20workers%27%20compensation), [France Assureurs](https://www.franceassureurs.fr/wp-content/uploads/fa-ra2022.pdf#:~:text=match%20at%20L1957%20Responsabilit%C3%A9%20civile,tr%C3%A8s%20h%C3%A9t%C3%A9rog%C3%A8ne%2C%20rassemblant%20des%20risques), [Statista](https://www.statista.com/outlook/fmo/insurances/non-life-insurances/general-liability-insurance/germany#users)


## What percentage of businesses have general liability insurance?


- **54%** of small businesses have general liability insurance.
- **40%** operate without any insurance.
- **43%** of owners have been threatened with legal action.
- **36–53%** of small businesses are sued annually.
- **90%** of businesses will face legal action during their lifetime.
- **75%\+** of small business owners fear being targeted by a lawsuit.
- **$89B** estimated annual cost of excessive litigation to New York’s economy.


Here is the breakdown of the most liability insurance purchased by small business owners: 


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/6-Most-common-forms-of-liability-insurance-1024x614.jpg)
**Source:** [BusinessDasher](https://www.businessdasher.com/small-business-insurance-statistics/), [Investopedia](https://www.investopedia.com/small-business/protect-small-business-getting-sued/), [The Zebra](https://www.thezebra.com/resources/research/small-business-statistics/), [Next](https://www.nextinsurance.com/blog/survey-small-businesses-lack-confidence-adequate-insurance/), [New York Post](https://nypost.com/2024/12/12/us-news/nys-bogus-legal-costs-hit-a-staggering-89b-as-nyc-ranked-second-worst-judicial-hellhole-in-us-report/)


## What is the success rate in defending liability lawsuits?


- **70%** of personal injury claimants receive compensation, either through settlement or court\-awarded damages.
- **57%** increase in liability litigation costs over the past decade.
- **95%** of personal injury lawsuits settle before reaching trial.
- **50–60%** of plaintiffs win when cases go to trial.
- **40–50%** of defendants succeed in trial\-based liability defenses.


### **Defense success rates by case type**




| Case Type | Defense Success Rate |
| --- | --- |
| Medical Malpractice | 81% |
| Product Liability | 62% |
| Premises Liability | 61% |
| Motor Vehicle | 39% |



> Out\-of\-court settlements remain the dominant resolution method. Defense outcomes vary widely by liability type, with medical cases showing the highest defense success rate.


**Sources:** [Case Pacer](https://casepacer.com/resources/chances-of-winning-a-personal-injury-lawsuit), [On the map](https://www.onthemap.com/blog/personal-injury-stats/), [Advocate Magazine](https://www.advocatemagazine.com/article/2022-march/common-issues-and-defenses-in-premises-liability-cases), [NOLO](https://www.nolo.com/legal-encyclopedia/how-much-can-i-get-for-my-personal-injury-case-and-how-long-will-it-take-new.html), [Risk \& Insurance](https://riskandinsurance.com/social-inflation-drives-57-surge-in-us-liability-claims-over-a-decade/#:~:text=Litigation%20costs%20drove%20a%2057,in%202023%2C%20Swiss%20Re%20reports)


## What percentage of people have personal liability insurance?


- **83%** of Germans hold personal liability insurance.
- **79%** of Germans consider liability insurance essential.
- **20%** of American homeowners purchase umbrella liability policies.


Germany has one of the world’s highest liability insurance penetration rates despite no legal mandate.


**Source:** [BusinessDasher](https://www.businessdasher.com/small-business-insurance-statistics/), [Investopedia](https://www.investopedia.com/small-business/protect-small-business-getting-sued/), [The Zebra](https://www.thezebra.com/resources/research/small-business-statistics/), [Next](https://www.nextinsurance.com/blog/survey-small-businesses-lack-confidence-adequate-insurance/)


## **Payout trends for liability claims**


- **$90\.4B** paid out across **530,000\+ claims** between **2017–2021**.
- **$18\.8B** in average annual liability payouts.
- **$55B** in U.S. motor vehicle liability payouts in **2023**.
- **45%** of U.S. liability payouts in 2023 stemmed from motor vehicle claims.



> Motor vehicle incidents accounted for nearly half of all U.S. liability payouts in 2023\.


**Sources:** [Case Pacer](https://casepacer.com/resources/chances-of-winning-a-personal-injury-lawsuit), [On the map](https://www.onthemap.com/blog/personal-injury-stats/), [Advocate Magazine](https://www.advocatemagazine.com/article/2022-march/common-issues-and-defenses-in-premises-liability-cases), [NOLO](https://www.nolo.com/legal-encyclopedia/how-much-can-i-get-for-my-personal-injury-case-and-how-long-will-it-take-new.html), [Risk \& Insurance](https://riskandinsurance.com/social-inflation-drives-57-surge-in-us-liability-claims-over-a-decade/#:~:text=Litigation%20costs%20drove%20a%2057,in%202023%2C%20Swiss%20Re%20reports)


## What is the value of liability claims paid out?


- **$31,000** median settlement across all U.S. liability cases.
- **$24,000** median payout received by 50% of plaintiffs.
- **$1\.3M** average payout for medical malpractice cases.
- **$103,654** average settlement for truck accident cases.
- **$97,517** average for dog bite cases.


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/5-Average-settlement-amount-by-type-1024x614.jpg)
While most payouts remain modest, exceptional jury awards (known as “nuclear verdicts”) are increasing in frequency and size:


- **$44M** median jury award in major liability cases (2023\).
- **2x** growth from **$21M** in 2020\.
- **27%** increase in jury awards over **$10M** in 2023\.
- **40%\+** of nuclear verdict value attributed to defective products.


In these cases, large\-scale product liability claims drive the majority of high\-value jury awards.


**Source:** [On the map](https://www.onthemap.com/blog/personal-injury-stats/), [Brown and Crouppen](https://www.brownandcrouppen.com/blog/average-personal-injury-settlement-amounts/), [The Zebra](https://www.thezebra.com/resources/research/small-business-statistics/#lawsuit-statistics), [Risk \& Insurance](https://riskandinsurance.com/social-inflation-drives-57-surge-in-us-liability-claims-over-a-decade/#:~:text=Litigation%20costs%20drove%20a%2057,in%202023%2C%20Swiss%20Re%20reports), [InsuranceBusiness](https://www.insurancebusinessmag.com/us/news/breaking-news/will-nuclear-verdicts-impact-the-insurance-industry-in-2025-519537.aspx#:~:text=Brian%20Pierce%20,from%20%2421%20million%20in%202020), [Allianz](https://commercial.allianz.com/news-and-insights/news/liability-claims-2024.html#:~:text=US%20juries%20have%20ordered%20a,highlights%20five%20liability%20loss%20trends)


## What is the average cost of liability insurance?


In the United States, the average annual cost of general liability insurance is **approximately** **$360**. Average annual increases in the price of American liability insurance are typically between **5% and 10%.** 


Here is the estimated cost of different types of liability insurance in the United States:


![](https://storage.googleapis.com/popsure-blog-content/1/2025/06/2-Cost-of-liability-insurance--1024x614.jpg)
In Germany, liability insurance is one of the cheaper forms of popular insurance with average policy tariffs ranging from **€3\.30 to €6\.60 per month**.


**Source:** [Forbes](https://www.forbes.com/advisor/business-insurance/small-business-insurance-statistics/), [Feather Insurance](https://feather-insurance.com/blog/liability-insurance-germany-guide/), [Brown and Brown](https://www.bbrown.com/us/insight/commercial-insurance-risk-management-market-trends-quarter-1-2025-2/#:~:text=)

Sign up for liability insurance

Stress-free liability insurance

[BP] liability insurance statistics

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Writer & editor for Feather

6 years of editorial and teaching experience

Academic background

Health insurance

Supplemental health insurance

Financial protection insurance

Car insurance

Liability insurance

Property insurance

Travel insurance

Pet insurance

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Operating under Germany’s §34d GewO accreditation

Transparent editorial and review standards

Best liability insurance in Germany: Our top 3 plans (2026)

Liability insurance gives you peace of mind by protecting you financially if accidents happen. 

Although it isn’t required by law, about [85% of residents](https://www.make-it-in-germany.com/en/living-in-germany/money-insurance/additional) in Germany choose to have it. This insurance covers the costs if you accidentally damage someone else’s property or cause harm to another person.

However, choosing the best liability insurance policy can be tricky. 

That’s why we tested more than a dozen liability insurance companies, comparing price, coverage, customer support, and reviews. 

From our research, three companies stood out:

| Company | Recommended for | Starting price | Standout feature | Total insured sum | Trustpilot rating |
| :---- | :---- | :---- | :---- | :---- | :---- |
| Feather | English speakers | From €4.94 per month | Best coverage guarantee  | €50 million for each insured person | [4.8/5](https://www.trustpilot.com/review/feather-insurance.com) |
| AXA | Budget-conscious customers | From €1.49 per month  | Low monthly tariffs | €5 \- €60 million depending on tariff  | [1.4/5](https://www.trustpilot.com/review/www.axa.de) |
| Adam Riese | Large Families | From €1.64 per month | Automatic co-insurance for new children | €7.5 \- €50 million depending on tariff | [2.0/5](https://www.trustpilot.com/review/adam-riese.de) |

### Disclaimer

*Policy details can vary, as insurers offer multiple plans. We selected the one we found most noteworthy, but exploring your options, including those not mentioned in this post, may lead you to a better fit. Our rankings are based on a specific methodology, which we encourage you to review to see if it aligns with your priorities. While we strive for accuracy, the decision is ultimately yours, and speaking with an insurance expert can provide more personalized guidance than this article.*

With that in mind, let's look at each company and what makes each a great option.

## 1\. Feather: For English speakers

**Standout feature:** Best coverage guarantee and support in English

**Pricing:** €4.94 for individuals, €6.58 for couples and €8.94 for families (monthly)

### Pros and cons of Feather’s liability insurance

| Pros | Cons |
| ----- | ----- |
| ✅Best coverage guarantee. | ❌Damages caused by heat pumps are not covered. |
| ✅Coverage of up to €50 million.  | ❌Broken glass and induction stove tops are not covered. |
| ✅No minimum claim threshold. |  |
| ✅Debt-default protection included. |  |
| ✅Drones of up to 5kg covered. |  |

### Our take

Feather’s key feature is the **best performance guarantee**. If you find better coverage elsewhere (at a similar price), Feather will match it. This makes Feather’s liability insurance plan one of the best in Germany.

All plans offer the flexibility to cancel at any time, so you’re not locked in for a long period. Additionally, the support is fully digital and available in English, making it easy to manage your policy.

Feather covers up to €50 million per person. It also includes debt-default protection, ensuring you’re covered even if someone cannot pay the damages.

An interesting bonus is coverage for drones weighing up to 5kg, which is usually an additional cost.

However, good coverage is only as good as the support you receive when accidents occur. 

That’s not an issue with Feather, which has the best-rated insurance support in Germany, with an average [Trustpilot rating of 4.8 out of 5](https://www.trustpilot.com/review/feather-insurance.com). 

Overall, Feather offers excellent coverage at a competitive price. It’s a smart choice for anyone in Germany looking for reliable, all-around liability insurance that won’t leave you in the lurch when accidents happen.

In Germany, there's no cap on what you owe if you accidentally damage someone's property or cause an injury. Here's what private liability insurance covers, what it doesn't, and how much cover you actually need.


Why 85% of Germans have liability insurance

A complete guide to private liability insurance (Privathaftpflichtversicherung) in Germany for expats. Covers why it matters in a country with unlimited personal liability, what's covered (property, bodily, and financial damages), what isn't, how much coverage you need, what it costs, and how to file a claim.


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### Disclaimer

*This is our list, which reflects our perspective and opinions. However, with over seven years of insurance expertise and consistently positive client reviews, we firmly believe that our top ranking for expats in Germany is well-deserved. That said, we encourage you to independently assess and verify our claims.*

## 2\. AXA: For an affordable policy

**Standout feature:** Low starting costs for personal tariffs 

**Pricing:** Starting from €1.49 monthly 

### The pros and cons of AXA liability insurance

| Pros | Cons |
| ----- | ----- |
| ✅Low tariff costs for personal coverage. | ❌Low insured amount on entry-level plans. |
| ✅One-day cancellation is available on premium plans. | ❌Damage to borrowed items only covered on premium plans. |
|  | ❌Debt-default protection only included on premium plans. |

### Our take

AXA is one of Germany’s largest insurance providers, with [over 7.4 million customers](https://aws.amazon.com/partners/success/axa-msg/#). This large customer base enables them to offer more competitive tariffs. 

In fact, they offer the most budget-friendly liability insurance, according to our research, with premiums starting at just €1.49 for coverage of up to € 10 million. 

This makes them a great option for customers looking for budget-friendly liability insurance. 

However, low tariff costs come with trade-offs: 10 million euros is considered low for liability insurance, meaning you risk paying out of pocket for claims exceeding the coverage amount. 

With a customer satisfaction rating of [1.4/5](https://www.trustpilot.com/review/www.axa.de), it is worth considering that while AXA is ideal for highly budget-conscious customers, they may not always offer the smoothest experiences when interacting with them.

### Disclaimer

We focused on AXA’s most affordable plan because it appeals to customers who might not be able to afford more comprehensive options. However, AXA also offers plans with higher coverage amounts and enhanced services for more comprehensive protection. Depending on your priorities, these plans may offer better value. For further details, please visit AXA’s website.

## 3\. Adam Riese: Excellent for large families 

**Standout feature:** Automatic co-insurance for new children

**Pricing:** Starting from €1.64 monthly

### The pros and cons of Adam Riese liability insurance

| Pros | Cons |
| ----- | ----- |
| ✅Automatic co-insurance for new children | ❌Low insured amount on L tariff (€7.5 million) |
| ✅Plans are cancelable daily | ❌Drone coverage limited to €3 million |
| ✅Future plan improvements automatically applied to XL and XXL tariffs  |  |

### Our take

Adam Riese offers liability insurance across three plans: L, XL, and XXL. Coverage on these plans ranges from €7.5 million to €50 million for individuals and families. 

Across their plans, new babies are automatically co-insured for one year at no additional cost. This protection starts directly from birth for your biological children, your partner’s children living in the household, and for adopted or foster children. 

After that, children are insured at a favorable family rate. 

This makes it ideal for large families, as it offers peace of mind without additional costs for new parents and those with multiple children. 

## Our methodology: How we compared liability insurance policies

When compiling this list, we aimed to be comprehensive. Here’s our process:

First, we consulted with our in-house insurance specialists to pinpoint 12 potential candidates.

Next, we gathered quotes and sample policies from each provider, reviewing approximately 30 policies in total. 

We then closely examined the fine print, focusing on factors such as:

* Pricing  
* Coverage details  
* Exclusions  
* Coverage limits  
* Deductibles

To enrich our analysis, we reviewed customer feedback on Trustpilot as an overall satisfaction indicator; however, we acknowledge that this metric has a negative bias, as dissatisfied customers tend to post more frequently than satisfied ones. 

For a broader perspective, you may also want to explore ratings on platforms like Google Reviews or Yelp. Our ratings and metrics were most recently updated on February 7, 2025\.

Finally, we tested each company’s customer service by calling their helplines 10 times over a three-week period at various times, specifically to check if an English-speaking representative was available.

## Conclusion​​

Well, here is our list of what we believe are some of the top contenders for the best liability insurance in Germany. 

While we’ve provided a detailed overview, real customer experiences are invaluable. We recommend reviewing a company’s online ratings, and talking to your friends and family to ensure a plan aligns with your needs, budget, and expectations. 

Additionally, consulting with an insurance broker can help tailor your choice to your specific situation.

For more information on how this insurance works, please see our [comprehensive guide to liability insurance](https://feather-insurance.com/blog/liability-insurance-germany-guide/). 

If you’re curious whether Feather’s liability plan is a good fit for you, feel free to [book a call](https://feather-insurance.com/support) with our experts. 

Alternatively, drop your questions below, and we’ll respond within a few days.

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