The provider

Vereinigte Hannoversche Versicherung, or VHV for short, originated as the liability insurance institution of the Hanoverian Construction Trades and Professional Association and was founded in 1919. Today, VHV is one of Germany's largest insurers, with a continuously growing number of customers and policies. Customers can choose from various insurance lines, with motor vehicle insurance being particularly popular.

Tariff options for private liability insurance at VHV Insurance

1. Classic Guarantee
2. Classic Guarantee Exclusive

How do the VHV insurance tariffs differ?

VHV also differentiates its tariffs based on the coverage limits (10 and 50 million euros) and the benefits offered. The Klassik Garant tariff provides good basic coverage, while the Klassik Garant Exklusiv tariff offers a best-performance guarantee. The Exklusiv tariff also covers damage to rented and borrowed items, as well as damages from secondary employment, with an annual turnover of up to 12,000 euros. The loss of someone else's keys is already covered up to 30,000 euros in the basic tariff.

Advantages of VHV's private liability insurance

1. Activities as a babysitter and au pair are also covered by insurance.
2. Work placements, holiday jobs or practical vocational training are covered by the insurance, including damage to teaching materials, work & travel.
3. Coverage for bad debts, including damages caused intentionally
4. Study abroad in Europe without time limit
5. Occasional use of other people's insured vehicles in other European countries (Mallorca coverage)

Highlights

1. Compensation for victims of accidents or crimes
2. Co-insurance of parents in need of care
3. Protection against cyber damage