Student liability insurance

Private liability insurance for students.

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The best liability insurance for students

Here you will find the optimal tariff.

For almost 20 years, allmaxx has stood for student insurance coverage. We scan the insurance market for you, searching for the best offers and optimal rates. Our team of advisors will personally assist you with your selection.

  • When does private liability insurance for students cover the costs?

  • How do you find the best liability insurance for students?

  • For whom is private liability insurance a good idea?

  • Are students still covered under their parents' liability insurance?

  • Liability insurance for students during a semester abroad?

  • Liability insurance in case of unemployment after graduation?

  • What is the sum insured under a liability insurance policy for students?

  • What benefits does liability insurance offer for students?

When does private liability insurance for students cover the costs?

Liability insurance for students

  • If someone makes a claim for damages against you for personal injury or property damage, your student liability insurance will cover it.

    There is a legal obligation to pay damages . This is regulated in the Civil Code and states: Every person who causes damage to another person must fully compensate for it. You are therefore liable with all your current and future income, which can have severe financial consequences in the case of serious personal injury if you are not insured. If an object is destroyed or damaged, you must reimburse its current market value. The injured party should not be better off than before.

  • What would be:

    • – what if you are cycling in traffic and overlook and injure a pedestrian on your way to university?
    • – if you are a tenant in an apartment and damage your landlord's property, such as the flooring or sanitary facilities?
    • – what if you're helping a friend move and accidentally drop their iMac?
    • – what if you lose the key to your rented apartment and the entire locking system needs to be replaced?
    • – what if you pay more attention to your smartphone than to road traffic and cause a serious accident?
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Best rates for liability insurance for students

Here you can easily find the best liability insurance policy for you:

Here is a current comparison of different liability insurance providers.

  • For whom is private liability insurance a good idea?

    Private liability insurance is one of the types of insurance that EVERYONE should have. This is also the conclusion reached by the independent consumer protection organization Stiftung Warentest and the consumer advice center. And rightly so, because liability insurance covers property damage or personal injury that you accidentally cause to others. This isn't so much about damages that you can easily pay for yourself, but rather those that can result in very high claims for compensation . If you're a student and no longer covered by your parents' insurance, your own liability insurance is essential.

    The crucial question is therefore not whether you need liability insurance, but whether you are possibly still covered under your parents' insurance.
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  • Are students still covered under their parents' liability insurance?

    Private liability insurance for the family covers minor children. When you reach the age of majority, the insurance coverage may remain in effect under certain conditions:

    • You are unmarried
    • You will continue to go to school.
    • You are currently in your first degree program
    • You are waiting for a place at university for your first degree (maximum one year).
    • After finishing school, you begin your first apprenticeship.
    • You are doing federal voluntary service or a voluntary social or ecological year.
    • You are unemployed
    • You are completing a company internship starting from
    • If you drop out of your initial vocational training, you immediately begin a second vocational training program. After completing your second program, you go straight to university.

    These criteria can vary depending on the insurer. The exact details of your student coverage and the extent of it are outlined in your parents' policy.

    It's therefore important to review the insurance documents to check whether the family liability insurance coverage is still valid and under what conditions. This also allows you to check whether the parents' policy is up to date. Often, there are now cheaper policies with better coverage available.

  • Is there an age limit for students in family liability insurance?

    Some insurers stipulate an age limit for children to be covered under family liability insurance. Coverage then ends automatically, usually upon reaching the age of 25 or 30. At that point, it is strongly recommended that students take out their own private liability insurance. From the age of 25, you also need to arrange your own student health insurance , as you will no longer be covered under your family's policy. You can find more information on our student health insurance website : www.studentenkrankenkasse.de

    You can find all the information here.

  • Are students with their own apartments also covered by their family's liability insurance?

    For students who still live with their parents during their studies, insurance coverage through the family liability insurance applies, provided all other relevant conditions are met. If you have already moved out of your parents' house and live alone, this is irrelevant to insurance coverage under most current policies. However, you should take a closer look at older contracts. There are sometimes restrictions if your primary residence is no longer with your parents. If your student accommodation is only your secondary residence, there are usually no problems. But as mentioned above, you should definitely review the existing contracts together with your parents.

  • Students pursuing a second degree need their own student liability insurance. How do insurers define a first degree?

    As a rule, insurance coverage under family liability insurance only extends to the first degree or the first vocational training following school.

    Anyone who has successfully completed a bachelor's degree program can demonstrate a completed degree. If a master's degree program follows directly afterward, this is generally still considered an initial degree.

    Students who change their course of study before completing their degree also meet the criteria and can remain covered under their family's health insurance. This also applies to those who first complete vocational training and then immediately begin university studies. Furthermore, a period of federal voluntary service or a social or ecological year prior to the start of studies also qualifies as initial university studies.

    Anyone who holds their Bachelor's or Master's degree certificate (e.g., as a physicist) and then decides to pursue another course of study (e.g., in the field of English studies) is clearly and unambiguously in a second degree program.
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Liability insurance for students during a semester abroad?

Many students have the opportunity to complete a semester abroad. But what does transferring to a foreign university mean for their liability insurance coverage? Within the European Union, coverage generally remains valid. However, coverage may not extend to countries outside the EU at all, or it may only be valid for a limited time. Regardless of whether a semester abroad is planned in Europe or outside the EU, contacting your insurer will provide clarity and prevent unpleasant surprises.

Liability insurance in case of unemployment after graduation?

It's great when you land your first job right after graduation. But things don't always go so smoothly. Sometimes it can take a while to finalize the employment contract for your dream job. In that case, it often makes sense to register as unemployed for that period. If you're still insured through your parents until then, that usually remains the case. The standard period is typically one year. However, if you're looking for a job for longer than that, you'll need to arrange your own insurance.

  • What insurance coverage amount is recommended for students' liability insurance?

    According to consumer advocates and insurance experts, the coverage amount, i.e. the sum insured, should be at least 5 million euros.

    Whether you have your own student liability insurance or are covered under your parents' policy, the coverage amount should be at least €5 million . While this may seem like a huge amount, the potential damages, especially if people are injured, can be enormous. Imagine someone is so severely injured in a bicycle accident you caused that they can no longer work for the rest of their life. Then you're liable for their lost earnings. That can quickly amount to several million euros. Many insurers now offer coverage of €10 million or more. If you get that included with a good policy, it's definitely worth taking advantage of.
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  • What services does private liability insurance offer?

    1. Personal injury – this is where the greatest financial risk lies. If you accidentally injure or even kill someone, the compensation claims are enormous and can ruin you for life. Since you, as a student, are also involved in traffic and otherwise participate in everyday life, accidents can always happen. The probability isn't high, which is why liability insurance for students is also affordable. You insure yourself against a very high risk with a manageable insurance premium (usually less than €100 per year). That's a great deal!
    2. Property damage – If you break or damage someone else's property, you are liable for compensation. Depending on whether it's your potential mother-in-law's valuable Ming vase or your roommate's old sofa, the amount of compensation can vary greatly. You must always replace the current market value.
    3. Damage caused by the loss of your own or someone else's keys – this isn't covered by all insurance policies. You need to read the fine print. Losing the master key to a university building can quickly become expensive if the entire locking system has to be replaced because of you. Fortunately, increasingly intelligent locking systems are now available, so this doesn't happen as often. Therefore, you need to assess the risk yourself and decide how much it's worth to you to insure against it.
    4. Gradual damage – sounds cozy, but it can be really nasty. For example, if your washing machine is only leaking a little, you won't have immediate water damage, but mold could develop in the apartment below you over time, requiring extensive remediation. This can get really expensive. The insidious thing is that you often don't notice this damage for a long time, and when you do discover it, the damage is usually enormous. Liability insurance only covers damage you cause to others. If your own belongings are damaged, you'll need student contents insurance.
    5. Damage caused while doing a favor – You're helping your friends move again, and then you drop their game console on the street. You were just helping, and yet it's broken. Now you can easily cover the damage with your personal liability insurance.
    6. Rental items – You rented the Playstation and then accidentally spilled coffee on it. Here too, you can use your liability insurance.
    7. Rental damage – A small fire caused by forgetting a pancake on the stove could destroy your landlord's fitted kitchen. Or, at the housewarming party, you might turn awkwardly and send the antique wall mirror in the hallway crashing down. If you damage your landlord's property, you can claim the damage through your personal liability insurance.
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Liability insurance explained simply:

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Are you still unsure what you should insure against or do you need additional information? We're here to answer your questions!

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