Monthly prices start from 1.95 €
Monatlich schon ab 1,95 €.
Produktvariante: Standard
250 Euro Selbstbeteiligung
Beruf: Angestellter im öffentlichen Dienst
5 Jahre ohne Vorschaden
Alter: Über 60 Jahren
Our Tariffs
Standard | Comfort | Full | |
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Personal injury and damage to private property | EUR 10.000.000 | EUR 20.000.000 | EUR 50.000.000 |
Financial losses | EUR 10.000.000 | EUR 20.000.000 | EUR 50.000.000 |
Stays abroad | in Europe 3 years, world wide 2 years | in Europe unlimited, world wide 2 years | in Europe unlimited, world wide 5 years |
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Our Tariffs
Standard |
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Personal injury and damage to private property EUR 10.000.000 |
Financial losses EUR 10.000.000 |
Stays abroad in Europe 3 years, world wide 2 years |
Check Our Prices |
Comfort |
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Personal injury and damage to private property EUR 20.000.000 |
Financial losses EUR 20.000.000 |
Stays abroad in Europe unlimited, world wide 2 years |
Check Our Prices |
Full |
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Personal injury and damage to private property EUR 50.000.000 |
Financial losses EUR 50.000.000 |
Stays abroad in Europe unlimited, world wide 5 years |
Check Our Prices |
Tariff Details
Standard | Comfort | Full | |
---|---|---|---|
Market guarantee | |||
Performance guarantee | |||
Vested rights guarantee | |||
Damage or destruction of movable property hired or borrowed | EUR 10.000 (SB EUR 150) |
EUR 100.000 | |
Loss of foreign private keys | EUR 15.000 | EUR 50.000 | EUR 100.000 |
Loss of foreign professional keys | EUR 50.000 | EUR 100.000 | |
Bad debt cover | EUR 10.000.000; minimum damage EUR 5,000 (excluding animals, wilful intent and motor vehicles) |
EUR 20.000.000; minimum damage EUR 2,500 (excluding animals, wilful intent and motor vehicles) |
EUR 50.000.000; no minimum damage (excluding animals, wilful intent and motor vehicles) |
Damage caused by children incapable of tort (under 7 years) | EUR 5.000 | EUR 50.000 | EUR 50.000.000 |
Letting of condominiums | EUR 20.000.000 - 1 condominium | EUR 50.000.000 - up to 3 condominiums | |
Damage caused by Internet usage | EUR 150.000 (only within Europe) |
EUR 200.000 | EUR 50.000.000 |
New value compensation | EUR 3.000 | ||
Risk Carrier: Element Insurance AG (element.in) |
Tariff Details
Standard | Comfort | Full |
---|---|---|
Market guarantee | ||
Performance guarantee | ||
Vested rights guarantee | ||
Damage or destruction of movable property hired or borrowed | ||
EUR 10.000 (SB EUR 150) |
EUR 100.000 | |
Loss of foreign private keys | ||
EUR 15.000 | EUR 50.000 | EUR 100.000 |
Loss of foreign professional keys | ||
EUR 50.000 | EUR 100.000 | |
Bad debt cover | ||
EUR 10.000.000; minimum damage EUR 5,000 (excluding animals, wilful intent and motor vehicles) |
EUR 20.000.000; minimum damage EUR 2,500 (excluding animals, wilful intent and motor vehicles |
EUR 50.000.000; no minimum damage (excluding animals, wilful intent and motor vehicles) |
Damage caused by children incapable of tort (under 7 years) | ||
EUR 5.000 | EUR 50.000 | EUR 50.000.000 |
Letting of condominiums | ||
EUR 20.000.000 - 1 condominium | EUR 50.000.000 - up to 3 condominiums | |
Damage caused by Internet usage | ||
EUR 150.000 (only within Europe) |
EUR 200.000 | EUR 50.000.000 |
New value compensation | ||
EUR 3.000 | ||
Risk Carrier: Element Insurance AG (element.in) | ||
Trust in Our Liability Insurance for Comprehensive Protection
Your safety comes first at Techafull. We know how important it is to protect yourself and your loved ones from unexpected events. That's why our personal liability insurance offers comprehensive coverage, keeping both your personal and financial interests secure.
The Benefits of Our Personal Liability Insurance:
Comprehensive Protection:
Our insurance covers damages that you or your family could unintentionally cause to others.
Financial Security:
We protect you from the costs of liability claims, legal fees, and other financial burdens.
Flexible Insurance Coverage:
Our policies are customized to meet your individual needs, ensuring that you only pay for the coverage you truly require.
Quick Processing:
In the event of a claim, we provide a fast and seamless processing, allowing you to focus on more important matters.
Ethical Commitment:
As a company guided by strong ethical principles, we take your values into account, guaranteeing that our insurance offerings align with your requirements.
Your Protection, Our Responsibility
With Techafull, you can trust that your personal liability insurance is in safe hands. We understand the complexity of the modern world and rely on innovation to provide you with a high-quality insurance solution tailored to your requirements.
A General Overview of Private Liability Insurance
What is private liability insurance?
Private liability insurance is a type of insurance that protects an individual or a family from the financial consequences that can arise when they accidentally cause harm to other individuals or their property. This insurance typically covers personal injury, property damage, and financial damage. So, if you accidentally damage someone else's property or injure someone, private liability insurance covers the costs of medical treatments, repairs, or compensation claims from the damaged party. It's an essential insurance to protect yourself from financial risks in daily life.
Is private liability insurance mandatory?
In many countries, private liability insurance is not required by law and is therefore not mandatory. It is a optional insurance that individuals or families purchase to protect themselves from the financial consequences of accidental harm to third parties or their property.
While it is not legally mandatory, private liability insurance is highly recommended because it can help avoid substantial financial burdens in the event of liability claims or legal disputes.
Who needs private liability insurance?
Private liability insurance is generally beneficial for almost anyone and can provide essential protection. Here are some groups of people who can benefit from private liability insurance:
Individuals and families:
Anyone who could accidentally cause harm to others or their property in their daily life should consider private liability insurance. This is especially important for families with children, as children are often involved in accidents.
Renters and building owners:
If you live in a rented apartment or own a home, you could be held responsible for damage to the rented accommodation or the landlord's premises.
Householders:
If you own a house, private liability insurance can also be important for damage to neighbors or their property.
Pet owners:
Pet owners, especially dog owners, should be aware that they can be held responsible for damage caused by their pets. Liability insurance can provide protection in such cases.
Athletes and leisure activities:
If you participate in activities that pose a higher risk of harm to others, such as team sports, cycling, or hiking, private liability insurance is advisable.
Employees and commuters:
Accidents can also happen on the way to work or during work, where you could be held responsible for damage to others. Private liability insurance can offer protection in such cases.
Young adults:
When moving out of their parents' home and becoming independent, young adults should consider private liability insurance as they are now personally responsible for their actions.
Why do I need private liability insurance?
Private liability insurance is important for various reasons and can be beneficial for most individuals. Here are some reasons to consider private liability insurance:
Protection against financial risks:
Private liability insurance offers protection against the financial consequences that can arise if you accidentally cause harm to others or their property. Without insurance, you might be forced to cover these costs out of your own pocket, which can be significantly expensive.
Protecting personal assets:
Liability insurance protects your personal assets and prevents you from losing your property or savings in the event of compensation claims or legal disputes.
Legal defense:
Insurance typically covers the costs of legal defense if you are sued for damages by someone. This is essential because legal disputes can be costly.
Everyday risks:
Accidents and accidental damage can occur anywhere and at any time, whether at home, at work, during sports, or in leisure activities. Liability insurance provides protection in a variety of everyday situations.
Protection for others:
Liability insurance not only protects you but also other people from the financial consequences of your accidental actions. This contributes to social responsibility.
Rental and homeownership:
If you rent an apartment or own a house, landlords or homeowners' associations often require liability insurance to protect against damage to the rented accommodation or common property.
Pet liability:
If you have pets, liability insurance can offer protection if your pet injures someone or damages another person's property.
Contents
Properties
Household and Activities
Animals
Vehicles, model vehicles
Abroad
Special Benefits
Loss of Keys
Personal Injury, Property Damage, and Financial Damage
Private liability insurance provides protection against the financial consequences that can result from various types of damages. It helps minimize the financial burdens in the event of liability claims or legal disputes, ensuring that you do not have to bear the costs out of your own pocket.
Personal Injury:
In the context of private liability insurance, personal injury refers to injuries or harm you, as the policyholder, may cause to another person. The insurance covers the costs of medical treatments and compensation claims from the injured party.
Example:
For instance, if you accidentally bump into someone during a walk in the park, causing the person to fall and get injured, the medical expenses and potential compensation claims can be considered personal injuries.
Property Damage:
Property damage in private liability insurance is related with damage to another person's property that you cause. Your insurance covers the costs of repairing or replacing the damaged property.
Example:
For example, if you accidentally damage an expensive painting on a restaurant wall or drop a friend's phone, resulting in a shattered screen, the repair or replacement costs are considered property damage.
Financial Damage:
In private liability insurance, financial damage refers to financial losses inflicted on another person due to your negligent actions. This can include losses stemming from contract breaches, unintentional financial missteps, or fraud.
Example:
For instance, if you accidentally damage a neighbor's roof as a homeowner, leading to lost rental income for them, or if your negligence results in failing to fulfill a contractual obligation that causes financial losses for another party, these losses fall under the category of financial damage.
Example of Personal Injury
One day, you invited a friend over to your home to prepare dinner together. While you were cooking in the kitchen, a hot pot accidentally slipped from your hand and landed on your friend's ankle. Unfortunately, your friend suffered a severe burn and required immediate medical treatment.
The purpose of private liability insurance is to cover damages resulting from such unexpected accidents. If you have unintentionally caused harm to your friend's health due to such an accident, your liability insurance can step in to cover the treatment costs and potential other damages. In this case, the insurance company may take care of medical treatments, rehabilitation, or other compensations and protect you from legal liability.
This example illustrates why private liability insurance is so crucial. Unexpected events can occur at any time, and this type of insurance can help safeguard your personal assets and financial future. You can purchase personal liability insurance from Techafull online at an affordable price, with comprehensive coverage.
Example of Loss of Others' Keys
You are a renter in an apartment, and you lose the key to your rental unit. This incident can lead to various problems. Firstly, you must immediately inform the landlord, as you can no longer access your apartment. The landlord will most likely need to replace the lock on the apartment to ensure the property's security.
In this case, your private liability insurance can come into play. Private liability insurance can cover damages that you unintentionally cause to third parties, including the situation where you lose the key to the rental unit, resulting in costs for the landlord.
Especially for renters, private liability insurance can mitigate the financial liability for accident-related damages or security breaches. Furthermore, some rental agreements may require tenants to obtain specific liability insurance to cover such situations. Therefore, private liability insurance can be an essential safety measure for tenants.
In summary, private liability insurance can help protect you from the financial consequences arising from the loss of others' private keys and the resulting damages. Be sure to compare the various coverage options offered by Techafull to find the best liability insurance. Calculate your private liability insurance from Techafull online now!
Cost-Effective Recommendation: Private Liability Insurance by Techafull
The private liability insurance you get from Techafull offers both comprehensive coverage and affordability!
Contribution Examples for Private Liability Insurance:
Single: 4.95 Euro per month
Full Tariff
Price example applies to: Age: 18 - 59 years Up to 50 million euros for personal, property, and financial damages No deductible
Family: 6.76 Euro per month
Full Tariff
Price example applies to: Age: 18 - 59 years Up to 50 million euros for personal, property, and financial damages No deductible
Attractive Extra Services
The Tariff Variants
High Flexibility and Modern
FAQ
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Is the damage caused by my child also covered?
The family tariff also includes insurance cover for your children if they live in your household - regardless of how old they are. Your children are also insured if they are unmarried and are still in school or immediately following professional training. Insurance cover also exists if an apprenticeship is immediately followed by a course of study. After completion of the initial school or professional training, the insurance cover remains in force for a maximum of one year if your children are unemployed immediately following this training or if a waiting period occurs.
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Does personal liability insurance cover drones?
Drones (helicopters, Quadro copters, etc.) with a maximum flying weight of 2 kg or motor-driven model aircraft whose flying weight does not exceed 500 g are also insured in the Comfort and Full tariffs. The Comfort tariff has a sublimit of 10,000 EUR for drones, the Full tariff does not.
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Is the key loss covered?
Yes, the costs resulting from the loss of private keys belonging to others are covered. For example, if you lose the key to your rented flat, the costs for replacing the lock or locking system are covered. Depending on the tariff variant, compensation limits of up to 15,000 EUR (Standard), 50,000 EUR (Comfort) or 100,000 EUR (Full) apply. In the Comfort and Full tariffs, insurance cover is also provided up to the above-mentioned amounts if you lose keys that were given to you by your employer in the course of your work.
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Which animals are covered?
Insured are tame pets (e.g. cats, rabbits), tamed small animals (e.g. songbirds, parrots, hamsters,) and bees. In the Comfort and Full tariffs, also guide dogs for the blind and disabled as well as wild small animals (e.g. snakes, spiders, scorpions) are insured - provided that they are kept in accordance with legal and official requirements. In the Comfort tariff a sublimit of 10,000 EUR applies to wild small animals.
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Which occupational groups have «special benefits»?
There is a special tariff for members of the public service or civil servants. The latter pay a lower premium. The scope of benefits of the private liability insurance does not differ.
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Does it cover the damages incurred in the house I rented?
Yes, damage to rented property is insured. Depending on the tariff with different compensation limits. The insurance covers not only damage to the rented flat or house, but also damage to movable furnishings in holiday accommodation.
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Are there deductibles in private liability insurance?
Yes, if you wish, you can choose a deductible of 250 euros. This is optional.
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How can I report an insurance claim?
In the event that you accidentally cause damage to third parties or their property, you must report the damage to your insurance company as soon as possible. You have various contact options available, such as phone or email. You can easily and quickly report your claim on our website under "My Techafull." This way, you can expedite the process of filing your claim. Make sure to have all relevant information and documents ready, such as the insurance policy, proof of purchase, and a detailed description of the incident.
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Can I cancel my personal liability insurance?
Yes, you can cancel your personal liability insurance at any time. However, please note the cancellation notice periods and terms specified in the insurance conditions.