Private liability insurance

Private liability insurance is not mandatory, but it is strongly recommended to take out one.

You are civilly liable when you are required to compensate for damage that you have caused to a third party voluntarily or involuntarily – but also if it was caused to a third party by people, animals or things for which you are responsible.

You are civilly liable, for example, if you break a colleague’s glasses, if your child smashes a neighbor’s window while playing football, if your dog attacks a passerby by tearing his new leather jacket or if a vase falls from your balcony onto a car in the parking lot below.

By taking out civil liability insurance, you and your family will be covered in the following cases:

• damage to persons and property,
• damage prevention costs,
• pecuniary damage arising as a result of damage to persons or property,
• defense against unfounded claims.

When choosing your insurance, also check which options can be added. For example, you can insure yourself against damage you may cause to vehicles that do not belong to you but which you drive regularly.

What is not covered by your liability insurance?

Your insurance does not cover the following situations:

• damage suffered by an insured person or a person living in your household,
• damage suffered as part of your professional activity,
• material damage related to the wear and tear of one of your assets,
• foreseeable damage or damage that could have been foreseen,
• damage related to the transmission of a contagious disease,
• damage caused by a crime or intentional offense.