Children under 7 years in Germany are not legally responsible for damages they cause. Parents are liable for damages caused by children under 18, but insurance covers these only if a family tariff is in place. Family tariffs cover children living in the household under 18 and adult children up to 21 if unmarried and in education or voluntary service. Personal liability insurance does not cover damage to the policyholder's own property caused by their children.
Are children legally responsible for damages they cause in Germany?
Children under 7 years old are not legally responsible for damages they cause to others or to others' property according to German law (paragraph § 828 of the Bürgerliches Gesetzbuch). However, parents or guardians are generally asked to cover repair or replacement costs if a child causes damage.
Are minor children automatically covered under personal liability insurance policies?
Minor children are not automatically covered under single or partner personal liability insurance policies. Parents or guardians are liable for damages caused by their children, but insurance only covers these damages if the policy includes a family tariff.
Which children are covered under the family tariff of personal liability insurance?
The family tariff covers all children under 18 years old who live in the policyholder's household.
This coverage includes biological children, stepchildren, adopted and foster children, half-siblings, nephews, nieces, and grandchildren living at home.
Does the family tariff cover children who are studying away from home?
Yes, coverage extends to adult children up to 21 years old who do not live at home if they meet these conditions:
They are unmarried.
They are enrolled in full time education or vocational training.
They are performing voluntary service during or after their education, such as a voluntary year.
What types of damages does personal liability insurance cover regarding children?
Personal liability insurance covers accidental damages caused by children to other people or their property. It does not cover damages caused by children to the policyholder's own property.