German Insurance Forms

German Insurance Quotes and Applications

German Insurance Forms

German Insurance Quotes and Applications

Personal Liability

German Personal Liability Insurance (Privathaftpflicht)

Why is it essential in Germany?
Under German law, you are held personally responsible for any damage you accidentally cause to a third party – with your entire current and future assets. Whether you accidentally drop a friend’s smartphone, cause a traffic accident as a cyclist, or lose the keys to your rented apartment, Private Liability Insurance (Privathaftpflichtversicherung) protects you from potentially ruinous financial claims. It is widely considered the most important voluntary insurance for anyone living in Germany.

Your Coverage & Contract Terms:
If you reside in Germany, you can use this form to apply for premium private liability insurance. The policy runs on an annual basis and renews automatically unless cancelled three months prior to the renewal date. Relocating abroad is always accepted as a valid reason for immediate cancellation (upon presentation of proof).

Our ‘Best-Option’ Principle & Pricing:
We exclusively select tariffs featuring a “Best Performance Guarantee” (Best-Leistungs-Garantie). Based on your individual situation (age, prior claims, absence of an EU IBAN), we choose top-tier providers like HFK1676 or Haftpflichtkasse.

Tariffs and maximum prices (Private liability insurance) / Criteria Haftpflichtkasse Tariff “Einfach komplett” (Family) HFK1676 Tariff Premium (Family)
Sum insured 70 Mio. € 50 Mio. €
Online calculator (in German):

English alternative: You can also simply fill out the form below in English – we will take care of the rest!

 Haftpflichtkasse → HFK1676 →
Prior claims period 3 years 5 years
Haftpflichtkasse HFK1676 Premium
Age group: 25 years
No prior claims 97,34 € 61,00 €
1 prior claim 108,17 € 91,50 €
2 prior claims 108,17 € 122,00 €
Age group: 40 years
No prior claims 97,34 € 61,00 €
1 prior claim 108,17 € 91,50 €
2 prior claims 108,17 € 122,00 €
Age group: 60 years
No prior claims 57,83 € 43,99 €
1 prior claim 64,26 € 66,00 €
2 prior claims 64,26 € 87,99 €

Language & Claim Support:
While the official policy documents are issued online in German, we will provide you with a non-binding AI-generated summary in English (or your preferred language). Most importantly, in the event of a claim, our team is here to assist you directly in English, German, French, or Spanish.

🇩🇪 In case you speak German, you can also visit the private liability insurance providers on our German insurance pages.

No Extra Fees & Next Steps:
Our service does not incur any additional fees; all broker costs are fully covered by your insurance premium. Following your request, we will prepare the broker mandate (Maklervollmacht) required in Germany. You will receive this document by email and can sign it digitally on any smartphone or touchscreen.

By submitting this form, you authorize us to select the best coverage on your behalf. If we require further information or if you requested a non-binding quote first, we will contact you before taking any action.

German Liability kurz

Application or Quote

Choose whether you want to submit an application or request a quote based on the following details. For general inquiries, you can also use our simple contact form. By submitting a direct application, you authorize us to select the best coverage on your behalf based on your selected preferences.

🇬🇧 ADDITIONAL LEGAL INFORMATION REGARDING THE CONCLUSION A CONTRACT

Data Storage and Processing: You consent that your data – as far as necessary – will be stored by Bechstein Versicherungsmakler GmbH & Co. KG either directly with the insurer, our service provider "blau direkt", and/or the participating reinsurers. This is done for the purposes of documentation, contract mediation and administration, quality assurance, billing, and the fulfillment of insurance-related legal requirements. The processing of your data is governed by the European General Data Protection Regulation (GDPR) and the German Federal Data Protection Act (BDSG) and is necessary for the execution of your request.

SEPA Direct Debit Mandate: By providing your bank details, you authorize the final selected insurer to collect payments from your account via direct debit. At the same time, you instruct your bank to honor the direct debits drawn on your account by the selected insurer. You will be notified of the direct debit at least five calendar days prior to the first collection. Note: You can request a refund of the debited amount within eight weeks, starting from the debit date. The conditions agreed upon with your bank apply.

Credit Assessment: You agree that the insurer of your choice or an authorized representative may obtain a credit report using your name, date of birth, and address (e.g., via SCHUFA Holding AG or arvato infoscore GmbH). You may revoke your consent at any time with effect for the future.

Duty of Disclosure: All statements in the application (especially health questions and details about previous insurers) must be answered carefully, completely, and correctly to the best of your knowledge. A breach of the pre-contractual duty of disclosure may entitle the insurer to withdraw from or terminate the contract.

Type of Consultation: Unless otherwise documented, the consultation was conducted interactively and on your own responsibility via an online process. A comprehensive overall needs analysis was not carried out, but can be conducted personally upon express request (to be notified separately).

Right of Revocation (VVG §8): You may revoke this application at any time, but no later than 14 days after receipt of the insurance policy, without giving reasons, in text form. (Note: The right of revocation does not apply to insurance contracts with a term of less than one month).

Contract Terms and Broker Support: I have read and accepted the current terms and conditions underlying the contract. The German terms and conditions are always the legally binding versions (documents are only available in German).

Terms & Conditions Haftpflichtkasse: View Consumer Information | Product Information Sheet
Terms & Conditions HFK1676: View Insurance Conditions | Product Information Sheet

Administration & Broker Mandate: By submitting this application, you grant Bechstein Versicherungsmakler GmbH & Co. KG a broker mandate. No consultation fees or additional costs apply to you, as our remuneration is paid directly by the selected insurance company.