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Personal liability insurance in Germany: English-language options

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In shortPrivate liability insurance (Haftpflichtversicherung) is not mandatory, but the Verbraucherzentrale calls it a must for everyone. To find the cheapest well-rated tariffs, use Stiftung Warentest's comparison, which is in German. If you would rather sign up and make claims in English, Feather and Getsafe are digital insurance providers that work in English. This page is information, not a recommendation of a specific policy.

New to this? Read the guide first: Liability insurance

Options for newcomers

1.

Feather

English-language option with flexible cancellation

Sign-up, support and claims are in English. You can cancel any time, and cover ends at month-end.

Good for

  • Sign-up, policy documents and claims in English
  • Liability cover that you can cancel any time (cover ends at month-end)

Watch out

  • English service is the main advantage. For the cheapest well-rated tariffs, check Stiftung Warentest's comparison
  • Read what is excluded before you buy
Visit Feather (opens in a new tab)English app & supportNot a partner link
2.

Getsafe

English-language option managed in an app

An app-based insurer with an English site, offering liability alongside contents and legal cover.

Good for

  • Managing insurance in an app, in English
  • Bundling liability with contents insurance

Watch out

  • Compare cover limits and exclusions with consumer-test results before you buy
  • We did not verify its cancellation terms. Check them in the policy documents
Visit Getsafe (opens in a new tab)English app & supportNot a partner link

Other options

How we compared

CriterionWeightWhy it matters
English sign-up, documents and claimsMost importantWhether you can handle the whole policy in English.
Cover and exclusionsMost importantSum insured and what is excluded, for example rented property or lost keys. Consumer tests compare these in detail.
CancellationImportantHow easily you can cancel if you leave Germany.
PriceImportantPremiums are usually low. Consumer tests show which well-rated tariffs are cheapest.
  • We only link out to the insurers' own websites. We do not broker or advise on individual policies.

Conditions change. Check the current terms on the provider's website before you sign up. See our editorial policy.

Sources

Rules can change. These are the pages we checked — they have the final word. How we check facts