The provider

Haftpflichtkasse, formerly known as Haftpflichtkasse Darmstadt between 1999 and June 2017, has established itself over the years and is considered financially stable. Founded as a mutual insurance association, its primary focus is customer satisfaction, not achieving a large market share. Haftpflichtkasse currently insures approximately 1,500,000 customers in Germany. In addition to household contents and accident insurance, Haftpflichtkasse primarily offers liability insurance for private customers.

Tariff options for private liability insurance at the liability insurance company

The liability insurance company has developed four tariffs for private liability insurance, ranging from basic coverage to top-tier protection. The distinctions are as follows:

• Simply Good
• Simply Better
• Simply Better Plus
• Simply Complete

How do the tariffs of the liability insurance company differ?

Differences exist in the sums insured and the scope of coverage. Depending on the plan, the coverage amount ranges from 15, 20, or 50 million euros. As mentioned, the benefits in the basic plan are already quite good, but the insurance coverage can be optionally expanded. This includes benefits such as:

1. Wild animals: if you keep permitted, exotic animals
2. New-for-old replacement : In principle, the current market value is always reimbursed in the event of a liability claim. After all, you shouldn't be better off afterward than before. With the "Einfach Komplett" (Simply Complete) policy, new-for-old replacement of up to €2,500 is possible. Please note the terms and conditions.
3. Loading and unloading damage

Advantages of the private liability insurance from the liability insurance company

What's special is that even the basic "Simply Good" plan covers the most important benefits. These include:

1. Default coverage
2. Loss of someone else's key
3. Damage to rented property
4. Damage caused by favors
5. Children incapable of committing a crime

The smallest policy here offers a minimum coverage of €15 million. By comparison, consumer protection agencies recommend a minimum coverage of €5 million. Therefore, the benefits of this personal liability insurance are well above the market average. Also noteworthy is the fast claims processing, which is usually completed within 48 hours. The insurance certificate is also issued within one day.

Highlights

1. Affordable insurance at the very best conditions
2. Children who are incapable of committing a tort are also insured.
3. fast processing