Our liability insurance in Germany is designed for people who live there — not short-term visitors. Coverage requires completing the Anmeldung registration process at the Bürgeramt. Temporary stays such as holidays, work visits, and remote work arrangements without a registered address are not eligible.
Does our liability insurance cover temporary visits to Germany without local registration?
Our liability insurance doesn't cover temporary stays in Germany if you haven't completed the Anmeldung process at the Bürgeramt to register a local address. Temporary visits — including short holidays, work trips, internships, and any other stay where you don't register a permanent address — are not eligible for coverage.
Are remote workers traveling around Germany eligible for our liability insurance?
Remote workers who travel through Germany temporarily and don't register a local address at the Bürgeramt are not eligible for our liability insurance. This applies even if you're staying in Germany for several weeks across multiple short-term accommodations, such as Airbnbs, without completing the Anmeldung registration.
What are some examples of who is and isn't eligible based on temporary stay situations?
Here are 2 common scenarios to help clarify who qualifies based on their situation in Germany:
Eligible: You move to Germany to study for a bachelor's degree, enroll at a German university, and find an apartment where you register your address through the Anmeldung. Since you're over 18 and have completed local registration, you're eligible for our liability insurance.
Not eligible: You live in the UK and travel around Germany for 2 months while working remotely, moving between Airbnbs without registering a local address. Because you haven't completed the Anmeldung, you're not eligible for our liability insurance.