Insurance
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Insurance
Kids break things — that's their job. But in Germany, when your child scratches a parked car, floods the neighbour's flat or causes an accident, you are liable. With everything you earn, without any upper limit. Privathaftpflicht is the insurance every German family has for exactly these moments — we're English-speaking brokers and set yours up in 3 minutes.
Here's what nobody tells you when you move here: under German law (§823 BGB) you're liable for damage your family causes without any upper limit — with your income, your savings, even your future earnings. One bad second can follow you for decades. Unless €5.28 a month says it doesn't have to.
Your kids chase their ball onto the street. A motorcyclist brakes, swerves — and goes down hard. Weeks in hospital, surgery, rehab, months of lost income, plus a wrecked bike. As the parents, the entire claim lands on you.
Your six-year-old leaves the tap running "just for a minute". Water finds its way through the floor into the flat below — the neighbour's ceiling, parquet and furniture are ruined.
Crayon art on the wallpaper, toy-car scratches across the parquet, a dented kitchen front — your kids "redecorated", but the flat belongs to your landlord. The bill lands on you.
Partners and children in your household are covered under one policy — children up to age 27.
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:
Not legalese. This is what the policy actually does:
We need this to issue your policy. Your data stays in Germany (GDPR).
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.
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.
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).
Reference . Here's what happens next:
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