Insurance
Top 10 personal liability insurers in Germany, compared.
Privathaftpflicht pays when you damage other people or their things. We scored them on 62 policy conditions.
All ten, scored and priced
Cover score out of 100 · monthly price for your household.
| Insurer | Cover score | Price |
|---|
How the score works. Ten weighted criteria from the policy conditions of every tariff.
What we scored, and how heavily
Euro amounts are scored in bands rather than linearly — €1 million or more counts as full marks. A tariff that caps a risk at €10,000 scores far lower than one covering the full sum, which is exactly where the cheap tariffs lose their points.
ETF4Kids is an insurance broker in Stuttgart. Every tariff on this page is one we can place for you — pick what fits, we handle the German paperwork in English. You don’t need children to use this comparison.
ETF4Kids GmbH · Friedrichstraße 15, 70174 Stuttgart · insurance broker under §34d GewO, register no. D-VVJK-LWJ6C-92 · managing director Nabil Khan
How we compared. Source: the live tariff engine and the side-by-side conditions comparison of our broker pool (maklerinfo.biz), queried on 25 August 2026, checked against each insurer’s own policy wording. Model case: born 01/01/1990, postcode 70174 Stuttgart, no previous insurance, no claims in the last 5 years, paid monthly. Only premium cover qualified: €0 deductible and at least €50 million for personal injury and property damage. All prices include 19% insurance tax. Your own premium is calculated live before you sign and can differ; the score describes the tariff conditions as quoted here, not your individual case.
This comparison covers the tariffs ETF4Kids GmbH can actually place as a broker — that is our advisory basis under §60 VVG. The insurer pays us a commission; the price is the same as going direct. Insurer names and logos identify the tariffs compared. Photo is illustrative.
Would you rather have one of the others? Go back to the table — every tariff there is one we can place for you.
Your whole family covered for €5.28 a month.
The one cover your Hausrat (contents) or Kfz (car) policy never includes — and the one German law puts no upper limit on. Apply in English in 3 minutes.
The one insurance Germany expects you to have.
Why 85% of German households have this
Under German law (§823 BGB) you’re liable for damage your family causes without any upper limit — with your income, your savings, even future earnings. Unless €5.28 a month says otherwise.
Your kids chase their ball onto the street. A motorcyclist swerves and goes down hard — hospital, rehab, lost income, a wrecked bike. The claim lands on you.
Your six-year-old leaves the tap running “just for a minute”. Water seeps through the floor into the flat below — ceiling, parquet and furniture ruined.
Crayon on the wallpaper, scratches across the parquet, a dented kitchen front — but the flat belongs to your landlord. The bill lands on you.
Illustrative scenarios and average claim amounts. Actual claim amounts vary — what matters is that your liability under §823 BGB is unlimited.
Trusted by families across Germany
Our verified public rating — every review comes from a real ETF4Kids client.
Questions internationals ask
No. Employer and credit-card policies don’t cover your private personal liability in Germany. Privathaftpflicht is a separate, personal contract — it’s what nearly every household here holds.
Coverage is worldwide as long as you live in Germany. The contract runs for 12 months and renews automatically; you can cancel up to 3 months before the end of a term. If you move abroad permanently the insured risk ends and the contract can be terminated early. You also have a 14-day right of withdrawal after signing.
Yes. The classic case is injuring someone while cycling — claims can run into the millions. Singles pay just €3.64/mo for the same €50M coverage.
As independent brokers we screen the German market. HFK1676 Premium combines a €50M coverage sum, €0 deductible and a best-performance guarantee at this price point — which is why it’s the tariff we place our own clients in.
Yes. Typing your name, drawing your signature and submitting your application is a legally binding signature in text form (§126b BGB) — timestamped and archived with your file.
Always. We’re English-speaking brokers — message us on WhatsApp before or after buying, and claims support is in English too.
Three minutes now, and the risk is off your family for good.
Who should be covered?
Partners and children in your household are covered under one policy — children up to age 27.
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:
FFF+ Independently rated „hervorragend“ — the top grade Franke & Bornberg 2025 awarded this exact Premium tariff its highest mark, for singles and families. Fewer than one in six of the roughly 300 tariffs tested got there.- €50 million coverage for injury & property damage — the market maximum
- €0 deductible — the insurer pays from the first euro
- 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
Covered in real life — 8 situations like yours, plus all tariff extras
Not legalese. This is what the policy actually does:
- 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
- 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)
Where should we send your policy?
Your documents arrive by email within minutes. We only use your number if something in your application needs checking — no marketing calls.
About you
Just the basics the insurer needs — your address comes next. Your data stays in Germany (GDPR).
Your household
The insurer needs everyone who is covered by name — plus a few short questions about your insurance history and optional add-ons.
Review & sign
Please read and save your contract documents below — then sign once. No stack of checkboxes: your signature and the final "Submit application" click cover everything, exactly like other German online insurance checkouts.
You'll also receive all of these by email together with your signed application.
Sign with your phone 📱
You typed your name above. Entering the code we text to your number turns that into a verified electronic signature (SMS-TAN) for the broker mandate, the data-processing declaration, the advice waiver and your application — timestamped, IP-logged and archived in your file.
Payment
SEPA direct debit — the standard in Germany. First debit around your coverage start date.
By clicking "Submit application" I sign and confirm the and the (with the signature I provided), consent to the , authorise the SEPA direct debit from the account above, and confirm receipt of the , the product information document (IPID), the insurance terms and the incl. the notice on the pre-contractual duty of disclosure (§19 Abs. 5 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.
Know another international who needs this? Forward them this page 💚
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