Get a head start with the Under 29 Deal

Get a head start with the

Under 29 Deal

Get a head start with the

Under 29 Deal

Get a head start with the

Under 29 Deal

Personal liability insurance

for €19.99 instead of €34.99

Personal liability insurance

for €19.99 instead of €34.99

Worldwide coverage

Worldwide coverage

Manage everything in the app—100% in English

Manage everything in the app—100% in English

Yearly renewal for €19.99 until your 29th birthday

Yearly renewal for €19.99 until your 29th birthday

What’s personal liability insurance

and why do I need it?

What’s personal liability insurance and why do I need it?

What’s personal liability insurance and why do I need it?

Drop your BFF’s

fancy camera?

Drop your BFF’s

fancy camera?

Lost the keys to your new office

and now the whole building’s

locks need replacing?

Lost the keys to your new office

and now the whole building’s

locks need replacing?

Your last party ended

in flames, literally?

Your last party ended

in flames, literally?

Personal liability insurance to the rescue!

Personal liability insurance to the rescue!

It covers financial costs if you accidentally cause damage to someone else, their property or their assets. Key loss included ;) 80% of Germans have personal liability insurance. It’s an essential on your expat checklist.

It covers financial costs if you accidentally cause damage to someone else, their property or their assets. Key loss included ;) 80% of Germans have personal liability insurance. It’s an essential on your expat checklist.

Frequently asked questions

Frequently asked questions

When do I need my own private liability insurance policy?

People who grow up in Germany are covered under their parents’ policy until they turn 18. You need your own policy after you’ve turned either 25 or 30, started a job after university, started a postgraduate degree or gotten married. If you’ve moved to Germany from abroad to study or work, it’s definitely a good idea to have your own insurance.

Is private liability insurance mandatory in Germany?

No. Legally speaking, private liability insurance isn’t required. But 80% of Germans have it. As soon as you’re earning your own money, personal liability insurance is pretty much a must-have. Without it, just one careless moment can be a real shock to your wallet.

Why do I need personal liability insurance?

Because not having it can lead to major financial consequences. Personal liability insurance covers the costs associated with potentially very expensive accidents you cause, like breaking something in a fancy store or injuring someone who can’t work anymore as a result of their injury.

Do I have to have personal liability insurance in order to rent a flat?

Legally, no. But if you cause damage to your landlord’s property, you’ll be held financially responsible. That’s why having personal liability insurance is generally a worthwhile investment.

What will I be insured against—and where?

You’ll be insured against personal and property damage, in addition to any financial losses for which you’re liable up to €20 million. In addition to Germany, you’ll be covered during long stays abroad: unlimited within Europe and for up to five years outside of Europe.

When will my coverage start?

The day after you purchase it!

Ask more questions

Ask more questions

How personal liability insurance works

How personal liability insurance works

How personal liability insurance works

What's covered

What's covered

Leisure and key loss

Lost your keys? Hit someone’s nose instead of the goal? Broke something fancy and expensive while window shopping? Covered.

Real estate and rented properties

Your rented flat, garage, shared spaces, and any damage you cause to things like floors or doors in your rental are all covered.

Side jobs and volunteering

Volunteering? Babysitting? Helping out a neighbour for free? Starting up a self-employed side hustle for a bit of extra cash? Activities that you pursue in addition to your 9-to-5 job are also insured.

What's not covered

What's not covered

Damage to your own property

Did you spill coffee on your own laptop? Did you drop your own phone in the toilet? That sucks, and we empathise—but things like this aren’t covered.

Car accidents

We recommend car liability insurance to cover damage caused by your car. Personal liability insurance doesn’t cover car accidents.

Stop! For damage caused by your motor vehicle, we recommend motor vehicle liability insurance. Car accidents are not covered by your liability insurance.


Glass damage in rented living spaces

Windows, mirrors and other glass objects aren‘t included in our standard coverage. But you can add a glass extension to our Contents Insurance.

More info

More info

Trusted by over 400K customers

Trusted by over

400K customers

Trusted by over
400K customers

  • JW

    Jill Wellington

    Feb 27, 2022 • Trustpilot

    "I found just what I wanted with the type of cover that suited me with Getsafe. Extremely easy to set up and feel confident now my home contents are insured. Brilliant service."

  • SO

    Susan Owens

    Feb 15, 2022 • Trustpilot

    "This is the first time I have used this service. And so far am pleased with how easy it was to get what I needed. They are the best of what I was looking for as far as my house...

  • ME

    Mohammed Elharmell

    Jan 31. 2022 • Trustpilot

    "Very compatible insurance with lower costs plus very user friendly from applying to finishing. Has the option to pay online and system with all facility including the option...

  • MG

    Mr. Gross

    Dec 20 , 2021 • Trustpilot

    "Best price! Searched through various best price comparison websites and Getsafe was the best for what I required."

  • NS

    Neil Salt

    Oct 16, 2021 • Trustpilot

    "I found Getsafe on line and I've read t8c from top to bottom and must say the cover is excellent and an amazing price keep up the good work and all done on line paperles...

  • JW

    Jill Wellington

    Feb 27, 2022 • Trustpilot

    "I found just what I wanted with the type of cover that suited me with Getsafe. Extremely easy to set up and feel confident now my home contents are insured. Brilliant service."

  • SO

    Susan Owens

    Feb 15, 2022 • Trustpilot

    "This is the first time I have used this service. And so far am pleased with how easy it was to get what I needed. They are the best of what I was looking for as far as my house...

  • ME

    Mohammed Elharmell

    Jan 31. 2022 • Trustpilot

    "Very compatible insurance with lower costs plus very user friendly from applying to finishing. Has the option to pay online and system with all facility including the option...

  • MG

    Mr. Gross

    Dec 20 , 2021 • Trustpilot

    "Best price! Searched through various best price comparison websites and Getsafe was the best for what I required."

  • NS

    Neil Salt

    Oct 16, 2021 • Trustpilot

    "I found Getsafe on line and I've read t8c from top to bottom and must say the cover is excellent and an amazing price keep up the good work and all done on line paperles...

Great cover doesn’t have

to cost a fortune

Great cover doesn’t have to cost a fortune

Great cover doesn’t have to cost a fortune

Being properly insured is easier than you think—and so much cheaper. With the Under 29 Deal, save almost 50% for personal liability insurance until your 29th birthday. That’s €19.99 a year instead of €34.99 for your personal liability insurance, for all the same benefits. It’s a no brainer!

Being properly insured is easier than you think—and so much cheaper. With the Under 29 Deal, save almost 50% for personal liability insurance until your 29th birthday. That’s €19.99 a year instead of €34.99 for your personal liability insurance, for all the same benefits. It’s a no brainer!