Mistakes are bound to happen, but liability insurance provides you peace of mind when they do.
It may not be compulsory, but it’s one of Germany’s most popular voluntary insurance, with 85% of residents choosing to have it.
It gives you financial protection from any damages you cause to another person’s property.
We know the importance (and the challenge) of choosing the right policy. To help you with the process, we tested over a dozen liability insurance companies based on their price, coverage, customer support, and reviews.
We found the following companies stand out from the rest:
- Feather – Best overall.
- AXA – Best budget-friendly option.
- Getsafe – Best for people with side hustles.
- Friday – Best for homeowners.
- Adam Riese – Best for large families.
With that in mind, let’s take a closer look at each company and what makes each best option for different individuals.
| Best for | Starting price | Standout feature | Total insured sum | Trustpilot rating | |
| Feather | Best Overall | From €4.94 per month | Best coverage guarantee | Up to €50 million per insured person | 4.8/5 |
| AXA | Cheapest Option | From €1.49 per month | Low monthly tariffs | €5 – €60 million depending on tariff | 1.4/5 |
| Getsafe | People with side hustles | From €2.68 per month | Coverage for side hustles and jobs | €20 – €50 million depending on tariff | 3.2/5 |
| Friday | Homeowners | From €2.44 per month | Third-party coverage for homeowners | €10 – €50 million depending on tariff | 4.1/5 |
| Adam Riese | Large Families | From €1.64 per month | Automatic co-insurance for new children | €7.5 – €50 million depending on tariff | 2.3/5 |
- Feather: Best Overall
Standout feature: Best coverage guarantee and fully digital support in English
Pricing: €4.94 for individuals, €6.58 for couples and €8.94 for families (monthly)
The pros and cons of Feather liability insurance
| Pros | Cons |
| ✅Best coverage guarantee. | ❌Damages caused by heat pumps are not covered. |
| ✅Coverage of up to €50 million. | ❌Broken glass, including induction stove tops, not covered. |
| ✅No minimum claim threshold. | |
| ✅Debt-default protection included. | |
| ✅Drones of up to 5kg covered. |
Our take on Feather
Feather is Germany’s best overall liability insurance due to its best coverage guarantee. This means we’ll cover a claim that a comparable policy would cover, even if it’s not specifically mentioned in our terms and conditions.
Best coverage guarantees are usually included in more expensive tariffs, but we’ve made it a standard in our liability insurance to give you maximum peace of mind at one, all-inclusive price.
On top of that, all plans offer monthly cancellations for greater flexibility and full digital support in English.
This comprehensive coverage also offers:
- Up to €50 million covered for each person covered by the policy (if you opt for a family or partner plan)
- No minimum claim thresholds.
- Debt-default protection is included, so you’re covered even if someone cannot pay for damages you’ve suffered.
- Drones of up to 5kg are covered on all of our plans.
Good coverage is only as good as the support you get when accidents happen. We have the best-rated customer support in Germany (and in English), with an average Trustpilot rating of 4.8 out of 5.
Personal liability insurance in Germany from €4.94 a month
2. AXA: Best budget-friendly option
Standout feature: Low starting costs for personal tariffs
Pricing: Starting from €1.94 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 available on premium plans. | ❌Damage to borrowed items only covered on premium plans. |
| ❌Debt-default protection only included on premium plans. |
Our take on AXA
AXA is one of Germany’s largest insurance providers, with over 7.4 million customers. This large customer base allows them to offer cheaper tariffs.
In fact, they offer the most budget-friendly liability insurance in the country, with premiums starting at just €1.49 for coverage up to 10 million euros.
This makes them a great option for customers looking for budget-friendly liability insurance.
They offer plans with higher coverage amounts and services for more comprehensive coverage.
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, customers often report slow response times from customer service and tedious, time-consuming claims. This makes AXA ideal for highly budget-conscious customers, but not for those who want quality coverage and service.
3.GetSafe: Best for people with side hustles
Standout feature: Coverage for people with hustles earning less than €12,000 per year
Pricing: Starting from €2.68 monthly
The pros and cons of Getsafe liability insurance
| Pros | Cons |
| ✅Coverage of between €20 to €50 million. | ❌Coverage is capped at €15 million per individual for personal injury claims. |
| ✅Coverage for side hustles making less than €12,000 per year. | ❌Key loss coverage is capped at €10,000 on the Comfort plan. |
| ✅Debt default coverage is included on both plans. | ❌Best coverage guarantee is available only on the premium plan |
Our take on Getsafe
Getsafe offers personal liability insurance coverage across two plans: Comfort and Premium.
Starting at €2.68 per month, their plans offer coverage of up to €20 million and €50 million, respectively.
However, it’s worth noting that this is limited to a maximum of €15 million per individual for personal injury.
While the overall coverage seems high, the compensation is capped at this amount, which can apply in cases of severe injuries where medical and rehabilitation costs exceed this threshold.
Regardless of the plan, Getsafe’s liability insurance covers you if you start a side hustle, as long as your income from it doesn’t exceed €12,000 per year.
While Feather’s plan has a higher limit of €15,000, Getsafe covers a broader range of activities, which might be more suitable depending on the type of side hustle you have in mind.
Find out which side hussle activities are covered at Feather.
4. Friday: Best for homeowners
Standout feature: Homeowners’ coverage for accidental damage caused by anything their property, such as solar panels
Pricing: Starting from €2.44 monthly
The pros and cons of Friday liability insurance
| Pros | Cons |
| ✅Comprehensive third-party coverage for homeowners | ❌Low insured amount on Focus and Balance plans |
| ✅Drones of up to 5kg covered on Relax plans | ❌Minimum claim of €500.00 on entry-level plans |
| ✅Insurance coverage during Work and Travel stays on Relax plans |
Our take on Friday
Friday is a relatively young insurance company that offers liability insurance across three plans: Focus, Balance and Relax.
Their Focus and Balance plans offer coverage of between €10 million and €20 million with a minimum claim amount of €500.00.
The Relax plan offers coverage of up to €50 million without a minimum claim amount. It includes coverage for homeowners looking for third-party coverage against accidental damage caused by something on their property, such as solar panels, heating systems or liquid gas tanks.
This makes it a great option if you’re looking for protection as a homeowner.
If you’d like to learn more about private liability insurance from Friday, check out their website for more information about their plans.
5. Adam Riese: Best 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 |
| ✅Plans are cancelable daily | ❌Drone coverage limited to €3 million |
| ✅Future plan improvements automatically applied to XL and XXL tariffs |
Our take on Adam Riese
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 on their plans without additional costs. 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.
To get liability insurance from Adam Riese, you can request an online quote from their insurance portal to see what tariffs are available for your lifestyle and personal situation.
What is covered by private liability insurance?
Private liability insurance typically covers a range of situations where you might be held legally responsible for causing injury or damage to someone else’s property.
Here is a list of the most common claims we cover at Feather:
- Accidental property damage: If you unintentionally damage someone else’s property, such as breaking a neighbor’s window or spilling a drink on your friend’s expensive rug, your liability insurance covers repair or replacement costs.
- Bodily injury: If you accidentally injure someone, like causing a pedestrian to trip or knocking someone over while cycling, your policy covers medical or rehabilitation costs.
- Damage to rental property: If you’re living in a rented apartment, accidental damages you cause to the fixed building and furnishings, like scratching the walls when moving furniture or burning a kitchen surface, your insurance can cover these damages.
- Pets: If your tame pet harms someone or damages their property, such as biting a passerby or damaging a visitor’s belongings, your insurance will cover those costs. This excludes dogs which requires separate liability insurance.
- Damage caused by your child: Your child accidentally breaks an expensive item at someone else’s home, like a friend’s plasma TV. Your insurance can cover the costs of repair or replacement.
If you’re looking for more detailed information about what is and isn’t covered by private liability insurance, check out our comprehensive guide.
How we compared liability insurance policies
Everyone’s circumstances are unique, and determining the best policy for you depends on your situation and budget.
In general, the cost and coverage for a liability insurance policy can vary based on factors like:
- Number of dependents
- If a plan includes a deductible
To simplify the comparison, we’ve used a fictional customer profile to compare plans against one information set. This fictional customer:
- Has children included in their plan
- Chose a plan without a deductible
- Is employed full-time
This is intended as a guide to help compare different plans and does not replace getting a personalized recommendation to get the right cover for your specific needs.
The prices in this article are listed as current but are subject to change. Readers are advised to verify all information with a provider before signing up for services. All information on price, coverage, and exclusions comes from the information provided on each company’s website or policy document.
With that out of the way, let’s look at how we evaluated the products.
To evaluate the products, we looked at the following general methods for assessing a plan’s quality:
- Plan flexibility: We considered how easy it is for customers to change or cancel their coverage to see if plans can evolve with changing circumstances.
- Sum insured: Your policy will cover damages up to the insured amount. You must pay for the rest if the costs exceed your cover. A high sum insured protects you from the financial risks of significant damage. We looked for companies providing at least 10 million euros per insured person, though experts recommend 50 for peace of mind.
- Debt default included: In Germany, private liability insurance is widespread but not universal. A good policy should protect you if you have a claim against someone without coverage or who can’t afford to pay for damages.
- Performance guarantee: Here, we looked to determine if an insurer will pay for a claim not included in their plan and if another insurance company with a comparable tariff will pay it.
- Customer support: Good customer support is crucial for insurance companies to ensure you can submit claims successfully. To evaluate the quality of customer service, we looked at customer service hours, availability of live chat or phone support, customer reviews, and availability of support in English (if you don’t speak German).
- Insurer reputation: We examined each company’s reputation and perceived quality from current and past customers. To do this, we examined each company’s overall Trustpilot score and the general consensus on the quality of their services.
Conclusion
Feather offers the best liability insurance in Germany overall due to great customer support, excellent cost/coverage ratio, and full coverage for everyone insured on the plan.
This is supplemented by our best coverage guarantee. It means you’re covered for events that aren’t included in our terms and conditions, as long as another company would cover it.
However, because everyone’s situation is unique, assessing if this is the right product for you is important:
Get a personalized recommendation based on your lifestyle.
We’d also love to hear from you about your experiences with private liability insurance providers in Germany:
- What do you use to determine a policy’s quality?
- What does a policy need to offer to be worth it to you?
- What do more liability insurance plans need to cover in their tariffs?
- Who do you think is the best liability insurance provider in Germany?
Let us know in the comments or book a call with one of our experts.
