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Who is eligible for personal liability insurance?

Find out who qualifies for our liability insurance in Germany, including age, registration, and policy history requirements — and who isn't covered.

Written by Timothy

To be eligible for our liability insurance in Germany, you must be at least 18 years old, registered (or planning to register) at a German address through the Anmeldung process, and have no prior liability policy canceled by an insurer. Students enrolled at a German university can also qualify if they meet these same conditions.
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Who is eligible for our liability insurance in Germany?

You're eligible for our liability insurance in Germany if you meet all of the following conditions:

  • You're at least 18 years old.

  • You're registered at a German address through the Anmeldung process at the Bürgeramt, or you intend to complete the Anmeldung registration.

  • You haven't had a previous liability insurance policy canceled by an insurance provider.

Who is not eligible for our liability insurance in Germany?

You're not eligible for our liability insurance in Germany if any of the following apply:

  • You're under 18 years old.

  • You don't have an Anmeldung and don't intend to register at a German address through the Bürgeramt.

  • You've had a previous liability insurance policy canceled by an insurance provider.

  • You’ve moved abroad and no longer live in Germany.

Can students living in Germany get our liability insurance?

Students can apply for our liability insurance in Germany if they're at least 18 years old and registered — or planning to register — at a German address through the Anmeldung process. There's no requirement to be enrolled at a specific type of institution, as long as the residency registration condition is met. Students on short-term language courses who don't register a local address aren't eligible.
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What happens if a previous liability policy was canceled?

If a previous liability insurance policy was canceled by an insurance provider, you're not eligible to apply for our liability insurance. This applies regardless of the reason for the cancellation.

Can I keep my personal liability insurance if I move abroad?

You can’t keep your personal liability insurance once you move abroad and no longer live in Germany. Our personal liability insurance is for people registered at a German address through the Anmeldung process, so you’ll need to cancel your policy if you’re leaving Germany permanently. While you still live in Germany, your personal liability insurance covers you worldwide during trips abroad, such as vacations.

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