{"id":11045,"date":"2025-05-27T13:56:48","date_gmt":"2025-05-27T13:56:48","guid":{"rendered":"https:\/\/chancenkarte.com\/?p=11045"},"modified":"2025-05-27T13:56:24","modified_gmt":"2025-05-27T13:56:24","slug":"liability-insurance-for-chancenkarte-holders","status":"publish","type":"post","link":"https:\/\/chancenkarte.com\/en\/news\/liability-insurance-for-chancenkarte-holders\/","title":{"rendered":"Liability insurance for Chancenkarte holders: Why it is indispensable in Germany"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"11045\" class=\"elementor elementor-11045\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-78990cbe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"78990cbe\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23e1e5dd\" data-id=\"23e1e5dd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-46fa57f0 elementor-widget elementor-widget-text-editor\" data-id=\"46fa57f0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 22-05-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>In Germany, there is <strong>no legal obligation <\/strong>to take out personal liability insurance &#8211; but it is still essential. Even a small mistake in everyday life can quickly have expensive consequences.<\/p><p><strong>Holders of a Chancenkarte <\/strong>can also take out liability insurance without any problems. Many providers also allow <strong>a combination with travel health or accident insurance <\/strong>&#8211; ideal for the first time in Germany.<\/p><p>New travellers with the Chancenkarte should take out <strong>insurance at an early stage <\/strong>in order to be protected in an emergency &#8211; whether in the event of mishaps in everyday life or unexpected damage. You can find all the facts and tips on comparing insurance policies as well as important information for travelcard holders in the following article.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e69fbca elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e69fbca\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-23f49df2\" data-id=\"23f49df2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e53fafc elementor-widget elementor-widget-text-editor\" data-id=\"4e53fafc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>Why is liability insurance important?<\/strong><\/h3><p>We&#8217;ve all been there: you&#8217;re visiting friends or acquaintances and <strong>accidentally <\/strong>cause <strong>damage<\/strong>. Whether big or small &#8211; <strong>in the worst case scenario<\/strong>, it can be really expensive. Depending on which item has been damaged, a repair or replacement can be quite expensive and<strong>, in an emergency, threaten your livelihood<\/strong>. With <strong>liability insurance<\/strong>, you are covered in this respect and do not have to pay for the damage yourself or only pay a small amount.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-73e9e915 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"73e9e915\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-123d6b68\" data-id=\"123d6b68\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-228c2b81 elementor-widget elementor-widget-text-editor\" data-id=\"228c2b81\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>What is private liability insurance?<\/strong><\/h3><p>If you have accidentally caused damage to a person, <strong>private liability insurance <\/strong>will cover the resulting costs. The insurance company first checks whether the claims for damages are justified and, if necessary, defends against unjustified claims. Liability insurance covers most everyday risks. <strong>IMPORTANT: <\/strong>The use of motor vehicles is not covered. Special <strong>motor vehicle liability insurance <\/strong>is required for this.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8268364 elementor-widget elementor-widget-text-editor\" data-id=\"8268364\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>What damage does private liability insurance cover and what does it not cover?<\/strong><\/h3><p>Personal liability insurance generally covers many <strong>claims for damages <\/strong>against third parties &#8211; for example, in the event of personal injury or property damage that you accidentally cause.<\/p><p><strong>IMPORTANT: <\/strong>Not all damage is automatically included. Damage to your own property &#8211; for example due to fire, water or theft &#8211; is not covered by liability insurance. <strong>Household contents insurance <\/strong>and <strong>glass insurance <\/strong>offer additional protection in this respect.<strong>\u00a0<\/strong><\/p><h4><strong>Private liability insurance covers the following losses:<\/strong><\/h4><ul><li><strong>Property damage<\/strong>: e.g. if you damage other people&#8217;s property<\/li><li><strong>Personal injury<\/strong>: e.g. if you accidentally injure someone<\/li><li><strong>Financial loss<\/strong>: e.g. if someone suffers financial loss as a result of your behaviour<\/li><li><strong>Damage caused by gross negligence<\/strong>: e.g. if you cause damage through carelessness.<\/li><\/ul><h4><strong>Private liability insurance does not cover the following losses:<\/strong><\/h4><ul><li><strong>Intentionally caused damage<\/strong>: damage that you intentionally cause<\/li><li><strong>Damage to your own property<\/strong>: e.g. if you damage your own property<\/li><li><strong>Glass damage to your own property<\/strong>: Some liability insurance policies offer an extension that also covers glass damage to your own property<\/li><li><strong>Professional risks<\/strong>: e.g. damage that occurs in the course of your professional activity<\/li><li><strong style=\"font-size: 16px;\">Motor vehicle damage<\/strong><span style=\"font-size: 16px;\">: this is where separate motor vehicle liability insurance comes into play<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21ad0c51 elementor-widget elementor-widget-text-editor\" data-id=\"21ad0c51\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>What does liability insurance cost?<\/strong><\/h3><p>The cost of liability insurance varies depending on the <strong>provider and the scope of benefits. <\/strong>You can get good liability insurance for as little as <strong>30 to 50 euros per year<\/strong>. (Source: Finanztip.de\/haftpflichtversicherung). Families usually pay more, depending on the number of insured persons and the desired insurance cover.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c20103a elementor-widget elementor-widget-text-editor\" data-id=\"3c20103a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>How do I take out personal liability insurance?<\/strong><\/h3><p>There are numerous comparison portals on the Internet that rate and sort liability insurance according to the <strong>price-performance ratio. <\/strong>Here you can get a good overview and choose the <strong>liability insurance <\/strong>with the range of benefits that suits you best.<\/p><p>A sum insured of at least <strong>10 million euros <\/strong>is recommended<strong>. <\/strong>You can <strong>take out <\/strong>the insurance <strong>online <\/strong>or make an <strong>appointment <\/strong>with your insurance advisor <strong>on site<\/strong>. Have <strong>important documents <\/strong>ready, such as your ID, residence permit, bank details and confirmation of registration.<\/p><p><strong>IMPORTANT: Gross negligence <\/strong>should definitely be covered so that you are also protected if you make a serious mistake (for example, if you leave a lit candle unattended and cause a fire in your home).<\/p><p>In addition, there should be <strong>bad debt cover.<\/strong> This protects you if someone else harms you but is unable to pay for the damage. Also pay attention to the amount of the <strong>excess.<\/strong> You have to pay this amount out of your own pocket in the event of a claim before your insurance pays out.<\/p><p>A <strong>higher deductible <\/strong>means that you pay more yourself in the event of a claim. Although this reduces your premium costs, you will have to bear significantly more <strong>of your own costs in <\/strong>the event of a claim.<\/p><p><strong>Example:<\/strong><br \/>You have liability insurance with a <strong>150<\/strong><strong>\u20ac deductible<\/strong>.<\/p><ul><li>Damage of 500\u20ac is incurred.<\/li><li>You pay 150\u20ac , the insurance covers 350 .\u20ac<\/li><\/ul><p>If you <strong>didn&#8217;t <\/strong>have <strong>a deductible<\/strong>, the insurance would cover the full 500\u20ac , but your insurance premium would be higher.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2630f4f elementor-widget elementor-widget-text-editor\" data-id=\"2630f4f\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>Tips &amp; common myths about liability insurance<\/strong><\/h3><p>There are many myths surrounding the topic of <strong>&#8220;liability insurance&#8221;.<\/strong> Many people assume that they don&#8217;t need liability insurance because nothing &#8220;serious&#8221; has ever happened. Because none of us can see into the future and even <strong>a single claim <\/strong>can cause extremely high costs, it is always worth <strong>taking out private liability insurance. <\/strong><\/p><p>Another false assumption: <strong>&#8220;Liability insurers never pay anyway.&#8221;<\/strong> A reputable insurance company checks the damage very carefully and pays the costs incurred if the claim is justified. The contrary assumption that <strong>&#8220;insurance companies pay for every claim&#8221; <\/strong>is also wrong. Intent, breach of contract or certain risks (e.g. occupational damage) are usually excluded from the insurance.<\/p><p>Another common misconception: <strong>&#8220;I am automatically co-insured through my partner.&#8221; <\/strong>This only applies in certain cases, e.g. if you are married or in a registered civil partnership. Unmarried couples must insure themselves.<\/p><p><strong>IMPORTANT: <\/strong>Foreigners who work in Germany are also not automatically insured through their <strong>employer <\/strong>or <strong>residence permit<\/strong>. This applies in particular <strong>to holders of the Chancenkarte<\/strong>.<\/p><p><strong>Pets <\/strong>should also be covered by their own <strong>pet owner&#8217;s liability insurance. <\/strong>Regular liability insurance only covers <strong>small animals<\/strong>. These include cats, hamsters, rabbits, mice, ornamental birds, turtles, aquarium fish and terrarium animals.<\/p><p><strong>Important tips: <\/strong><\/p><ul><li>Private liability insurance makes sense <strong>from the age of 18 <\/strong>&#8211; but children are often insured through their parents until the end of their first education<\/li><\/ul><ul><li>Decide on <strong>a sufficient sum insured <\/strong>(at least 10 million euros)<\/li><li>Note <strong>important additions<\/strong>, e.g. loss of keys, damage caused by courtesy, glass breakage<\/li><li><strong>Check and compare <\/strong>your insurance cover regularly and adjust it to changes in your life, e.g. if you get married or have a child<\/li><\/ul><p><strong>Children under the age of 7 <\/strong>(or under the age of 10 in road traffic) are not liable. However, there are tariffs that still pay out, e.g. to compensate for damage caused to friends.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e8faeb3 elementor-widget elementor-widget-text-editor\" data-id=\"7e8faeb3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h3><strong>Conclusion<\/strong><\/h3><p>Holders <strong>of the Chancenkarte <\/strong>should definitely take out <strong>private liability insurance <\/strong>in good time. This can avert claims for damages that threaten your livelihood. A minor accident can lead to a <strong>lifelong claim for damages<\/strong>, so it is always worth taking out liability insurance.<\/p><p>Many insurers now also offer contracts and customer service <strong>in English<\/strong>, so misunderstandings can be avoided when concluding a contract. Costs can be saved by regularly comparing rates.<\/p><p><strong>IMPORTANT<\/strong>: Foreign applicants are NOT automatically insured via a <strong>residence permit <\/strong>or a <strong>German employer<\/strong>. A residence permit (such as the Chancenkarte) <strong>does not <\/strong>include <strong>private liability insurance<\/strong>. Employer insurance also <strong>only <\/strong>applies <strong>to professional activities<\/strong>, not to private life.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section data-dce-background-image-url=\"http:\/\/chancenkarte.cc\/wp-content\/uploads\/2023\/02\/Chancenkarte-Banner.jpg\" class=\"elementor-section elementor-top-section elementor-element elementor-element-42e932eb elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42e932eb\" data-element_type=\"section\" id=\"newsletter\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70cf3d96\" data-id=\"70cf3d96\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5bd367fc elementor-widget elementor-widget-heading\" data-id=\"5bd367fc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 22-05-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">Chancenkarte Jobs!<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-41cc2739 elementor-widget elementor-widget-text-editor\" data-id=\"41cc2739\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p>Mit <b>Chancenkarte Jobs!<\/b> entsteht hier bald eine Job-Plattform, die Chancenkarte Kandidaten und Jobs zusammenbringt. Melden Sie sich jetzt an, um zu den Ersten zu geh\u00f6ren, die Zugriff auf die Plattform erhalten.<\/p><p><strong>Early Access zu Chancenkarte Jobs!<\/strong><\/p><p><strong>Finden Sie Jobs oder Kandidaten.<\/strong><\/p><p><strong>Genie\u00dfen Sie spannende Vorteile f\u00fcr erste Nutzer.<\/strong><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-679553a9 elementor-widget elementor-widget-html\" data-id=\"679553a9\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<iframe data-tally-src=\"https:\/\/tally.so\/embed\/3xyRAv?alignLeft=1&hideTitle=1&transparentBackground=1&dynamicHeight=1\" loading=\"lazy\" width=\"100%\" height=\"200\" frameborder=\"0\" marginheight=\"0\" marginwidth=\"0\" title=\"JobBoard Sign-Up DE\"><\/iframe><script>var d=document,w=\"https:\/\/tally.so\/widgets\/embed.js\",v=function(){\"undefined\"!=typeof Tally?Tally.loadEmbeds():d.querySelectorAll(\"iframe[data-tally-src]:not([src])\").forEach((function(e){e.src=e.dataset.tallySrc}))};if(\"undefined\"!=typeof Tally)v();else if(d.querySelector('script[src=\"'+w+'\"]')==null){var s=d.createElement(\"script\");s.src=w,s.onload=v,s.onerror=v,d.body.appendChild(s);}<\/script>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>In Germany, there is no legal obligation to take out personal liability insurance &#8211; but it is still essential. Even a small mistake in everyday life can quickly have expensive consequences. Holders of a Chancenkarte can also take out liability insurance without any problems. Many providers also allow a combination with travel health or accident &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/chancenkarte.com\/en\/news\/liability-insurance-for-chancenkarte-holders\/\"> <span class=\"screen-reader-text\">Liability insurance for Chancenkarte holders: Why it is indispensable in Germany<\/span> Mehr lesen ><\/a><\/p>\n","protected":false},"author":1,"featured_media":11052,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"categories":[26],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.7 - 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