Haftpflichtversicherung is the name given to liability insurance in Germany.

Some forms of Haftpflichtversicherung are compulsary, such as 3rd party insurance for cars.  Certain career groups such as lawyers, tax advisors, auditors and hunters are also required to have the relevant type of insurance.

Many people have a Privathaftpflichtversicherung – a liability insurance for individuals or families to cover themselves, eg. in case they damage a rented flat or knock over a display in a shop.

Pet owners in particular may consider the Tierhalterhaftpflichtversicherung, especially if they have pets that they take outside with them.

To hear a simple explanation and a short discussion in German, listen to the podcast:

(Press the “play” button to listen to the podcast)

Download the MP3 file | Subscribe to the podcast

Disclaimer: this podcast is a simple explanation for non-native speakers. For insurance advice, please contact a Versicherungsvertreter or Versicherungsmakler.


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About Graham

Graham Tappenden is a British ex-pat who first came to Germany as a placement student in 1993, returning in 1995 to live there permanently. He has been writing for AllThingsGerman.net since 2006. When not writing blog posts or freelancing for the Oberurseler Woche and other publications he works as a self-employed IT consultant solving computer problems and designing websites. In 2016 he gained German citizenship.

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