A mishap happens quickly: a friend’s laptop knocked over, water damage in a rented flat, a collision with a bicycle. Whoever causes the damage is liable for it — with personal injury, potentially with amounts that can threaten someone’s livelihood.
Personal liability insurance covers justified claims and defends against unjustified ones. It is voluntary, but it is among the most important types of insurance overall and costs comparatively little. For tenants it is practically indispensable, since it also covers tenant damage to the flat.
We record your household, living situation, pets and special risks.
You receive a comparison with a recommendation, often combined with household contents insurance.
We handle the cancellation and the new policy for you.
In the event of a claim we support you with the report and the process.
No, not by law. However, many landlords require it when you move in, and given the possible claim amounts it is strongly recommended.
Yes, under family coverage, generally including children in education who still live in the same household. Exact age limits differ by provider — we check this for you.
Damage to borrowed or rented items can be insured via so-called care, custody and control cover. Not all policies automatically include it — we make sure yours does.
Have your personal liability insurance reviewed or newly set up by Finaro.