International
Liability Insurance

International Liability Insurance Abroad

Q: What damages are covered?

The insurance covers all three types of damage: Personal injury: • Injuries to third parties through your fault • Treatment costs, pain and suffering • Long-term consequential costs (e.g., care) Property damage: • Damage to third-party property • Destruction of objects • Repair or replacement costs Financial damage: • Financial consequences without personal/property damage • E.g., lost profits through your fault Important: The insurance checks every claim, settles justified demands and defends against unjustified compensation claims – including legal costs.

Q: International liability vs. German private liability?

German private liability: • Only 3-6 months foreign coverage • Often requires residence in Germany • May be cancelled upon deregistration • Cheaper (from €40/year) International liability: • Worldwide, unlimited coverage • No German residence needed • Designed specifically for expats • Coverage up to €70 million (important for USA) • From €34/year Important: For permanent life abroad, German private liability is unsuitable – it ends after a few months or upon deregistration from Germany.

Q: What does international liability insurance cost?

Basic plan: from €34/year • 3-5 million euros coverage • Basic worldwide protection • Single person Standard plan: €50-80/year • 10-20 million euros coverage • Recommended for Europe, Asia, South America • Family discount possible Premium plan: €80-150/year • 50-70 million euros coverage • Essential for USA/Canada • Financial damage included • Family covered Costs depend on: • Coverage amount • Deductible (€0, €150, €500) • Scope of benefits • Number of insured persons Important: Check your existing policy before departure – many German insurances end upon deregistration!

Q: Are there waiting periods?

No, there are no waiting periods! Coverage applies: • Immediately after contract start • From day one • For all claims after insurance begins Important: Pre-existing or foreseeable damages are not covered. Therefore take out insurance before a claim occurs.

Q: What do I do in case of a claim?

Here's what to do: 1. Stay calm and provide first aid (for personal injuries) 2. Document: • Take photos of the damage • Note name and address of injured parties • Contact witnesses • Write down exact details 3. Inform insurance (within 1 week): • Online claim report • By email or phone • Submit all documents 4. Insurer handles: • Review of claims • Communication with injured parties • Settlement or defense • Legal costs if needed Important: Never admit guilt and don't pay yourself – always let the insurance review!

Q: Can I insure my family?

Yes, family plans are available! Covered are: • Spouse / registered partner • Unmarried partner (with many providers) • Children (up to 18 or during education/studies) • Minor foster children Benefits: • Family discount (usually 20-30% cheaper than individual contracts) • All persons fully insured • One contract for the whole family Example costs: • Single person: €60/year • Family (2 adults + 2 children): €85/year Family plans are almost always worth it – we're happy to advise you on the best offer!

Q: What coverage amount is recommended?

We recommend €50-70 million coverage: Why so high? • Personal injuries can cost millions (care, lifetime pensions) • In the USA, compensation claims are extremely high • Pain and suffering amounts are continuously rising in Europe too By region: • Europe, Asia, South America: €10-20 million sufficient • USA, Canada, Australia: Minimum €50 million, better €70 million Real example: A serious car accident with permanent damage can trigger claims of $10-20 million in the USA. Important: Higher coverage amounts cost only slightly more (about €20-40/year difference), but protect against existential risks.

A mishap abroad can be expensive. In the USA, liability claims average $15,000 – 3x compared to Germany. Damaged laptop, personal injury or data loss: Without liability coverage, you're liable with your entire assets. Worldwide protection from €2.84/month protects you from these financial risks.

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Liability for Expats

Abroad, mishaps can quickly become expensive. Especially in the USA, compensation claims are very high. Without appropriate protection, you're liable with your entire assets. German private liability insurance often expires when moving abroad, and most only offer temporary foreign coverage.

With Haftpflichtkasse, you get a suitable solution for your life abroad. You can also sign up without a residence in Germany – you only need a German correspondence address and an EU bank account.

💡

After comparing 12 providers, Waysafe recommends Haftpflichtkasse as the best solution for expats. Insurer with worldwide coverage without residence requirement in Germany. Over 120 years of experience. Around 1.6 million insured customers. Immediate coverage. No waiting period.

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Coverage Scope

Coverage up to €70 million for personal, property and financial damage
Protection against third-party claims
Defense against unjustified claims included

Foreign Coverage

Unlimited duration within the European Union
Worldwide liability coverage in all countries
EinfachKomplett: unlimited foreign coverage without time limit

Special Benefits

Internet legal protection + cyber protection (JURcyber Private)
Rental property damage: laptop, furniture in rental apartment
In case of damage: documentation & settlement

Ideal for

Digital nomads & expats
Private individuals abroad
People without residence in Germany

Coverage Scope

Coverage up to €70 million for personal, property and financial damage
Protection against third-party claims
Defense against unjustified claims included

Foreign Coverage

Unlimited duration within the European Union
Worldwide liability coverage in all countries
EinfachKomplett: unlimited foreign coverage without time limit

Special Benefits

Internet legal protection + cyber protection (JURcyber Private)
Rental property damage: laptop, furniture in rental apartment
In case of damage: documentation & settlement

Ideal for

Digital nomads & expats
Private individuals abroad
People without residence in Germany

Compare the best
offers

International Liability Insurance without Borders

Choose from three plans for every need: from Basic from €34 per year to the Premium plan with worldwide coverage without time limit. Haftpflichtkasse offers flexible solutions, even without residence in Germany. Minimum term is 1 year.

Simply Good

From €2.84 monthly

Solid private liability. €25 million coverage. Personal, property, financial damage. Protects against financial consequences abroad.

Ideal for:

Singles and young adults
Cost-conscious customers
Basic worldwide protection

Your benefits:

€25 million coverage for all damages
Protection for personal injury and property damage
Defense against unjustified claims

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Simply Better

From €3.92 monthly

Extended private liability. €50 million coverage. Especially important in the USA, where claims are very high.

Ideal for:

Families with children
Professionals abroad
Expatriates and digital nomads

Your benefits:

€50 million coverage for personal, property and financial damage
All benefits of the basic plan
Worldwide validity in all countries

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Simply Complete

From €5.25 monthly

Unlimited foreign coverage. €70 million coverage. For long-term stays. Unlimited validity. Maximum protection.

Ideal for:

Demanding private customers
Unlimited foreign stays
Digital nomads & self-employed

Your benefits:

€70 million highest coverage available
SimplyComplete: Unlimited duration abroad
Highest protection against financial risks

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Benefits comparison
at a glance

Benefits in Detail

From Basic to Premium: Compare coverage for personal, property and financial damage. Here you can see the differences that really matter.

Benefit	Simply Goodfrom €34/year	Simply Betterfrom €47/year	RecommendedSimply Completefrom €63/year
Total coverage	€25 million	€50 million	€70 million
Within EU	unlimited	unlimited	unlimited
Worldwide coverage	temporary	temporary	unlimited
Loss of third-party keys (private)	up to €100,000	up to €100,000	up to €5,000
Rental property damage	up to €10 million
Non-culpable children (property/financial damage)	up to €10,000	up to €500,000	up to €500,000
Borrowed/rented items		up to €500,000	up to €500,000
Claims recovery coverage
New value compensation			up to €5,000
Small self-employed side job			up to €22,000 revenue
Carsharing comprehensive deductible			up to €250/500

Simply Good

from €34/year

Total coverage

€25 million

Within EU

unlimited

Worldwide coverage

temporary

Loss of third-party keys (private)

up to €100,000

Rental property damage

up to €10 million

Non-culpable children (property/financial damage)

up to €10,000

Borrowed/rented items

Claims recovery coverage

New value compensation

Small self-employed side job

Carsharing comprehensive deductible

Simply Better

from €47/year

Total coverage

€50 million

Within EU

unlimited

Worldwide coverage

temporary

Loss of third-party keys (private)

up to €100,000

Rental property damage

Non-culpable children (property/financial damage)

up to €500,000

Borrowed/rented items

up to €500,000

Claims recovery coverage

New value compensation

Small self-employed side job

Carsharing comprehensive deductible

Recommended

Simply Complete

from €63/year

Total coverage

€70 million

Within EU

unlimited

Worldwide coverage

unlimited

Loss of third-party keys (private)

up to €5,000

Rental property damage

Non-culpable children (property/financial damage)

up to €500,000

Borrowed/rented items

up to €500,000

Claims recovery coverage

New value compensation

up to €5,000

Small self-employed side job

up to €22,000 revenue

Carsharing comprehensive deductible

up to €250/500

Testimonials
and experiences

What our
customers say

Real expats with real experiences report how we protected them from financial risks worldwide.

"I can highly recommend E.I.C. Expatriate insurance consulting for everyone – especially international people – seeking advice and appropriate coverage on a win-win basis. The E.I.C. team is patient and professional. If I could give 10 stars, I would. Thank you, E.I.C.!!"

Caroline K

Review onGoogle

"I had a very good experience with EIC. The team is competent, professional, and took the time to understand my specific insurance needs. They provided clear advice and helped me find the best insurance options. I can recommend EIC to anyone looking for personal insurance consulting."

Berat Akan

Review onGoogle

"I was referred to EIC for support with my insurance. I am very satisfied with the service and quick response time, especially with the fast and efficient support from Dominik and Ida. I feel reliably supported in managing my health insurance needs."

Krishna Chaitanya

Review onGoogle

"My employer chose EIC for my insurance matters, and as an expat, I can say this decision was more than justified. The team is very responsive, helpful, and recognizes our concerns as expats in advance, solving problems before they arise. Highly recommended!"

Eren Sen

Review onGoogle

"Great colleagues who were able to solve what seemed like an unsolvable problem for one of my clients, saving them an expensive and time-consuming exit and re-entry to the USA. Thank you for the great collaboration. I'm glad to have colleagues like you."

Pascal Holz

Review onGoogle

"EIC proceeds professionally. They provide appropriate advice and conduct due diligence. The colleagues also try to find solutions when there are teething problems. I'm glad to be served by them. (I give 4 stars for a small issue, but it's not critical to mention as they quickly found a solution.) All the best for the EIC team."

Prafulla Gade

Review onGoogle

"Excellent support and quick response. They helped me find the best insurance plan for my situation. Tim is my contact person! He actively engaged in my process and took care of everything. I can only recommend them."

Sahil Mehta

Review onGoogle

"Mr. Scheulen advised us very professionally and took intensive care, even though it became clear early in the consultation process that there would be no insurance conclusion in the near future. I highly appreciated this and thank him sincerely for the thorough and committed consultation."

Elke Dr. Müller-Schneck

Review onGoogle

More about us
Our team

Our experts advise you

Waysafe belongs to EIC Versicherungsmakler GmbH with 15+ years of experience in international insurance for expats and digital nomads. As BaFin and IHK-regulated insurance brokers, we work closely with leading insurers for international solutions.

After comprehensive provider comparison, we recommend Haftpflichtkasse as the leading partner. They are the only German insurer that allows signing up without residence in Germany.

Liability insurance is essential protection for your life abroad. We help you with signing up and check possible additions for optimal protection.

Our team

FAQ

Frequently Asked Questions

International liability insurance protects you worldwide from financial risks due to unintentional actions – whether abroad or during home visits. It covers: • Personal injury (e.g., injuries to third parties) • Property damage (e.g., damaged property) • Financial damage (e.g., financial consequences) Coverage limits: up to €70 million Important: German private liability usually only applies domestically or for short foreign stays (3-6 months). The international version offers permanent worldwide coverage without time limits.

Ideal for: • Expats and emigrants • Digital nomads without fixed residence • Long-term travelers (over 6 months) • Posted employees • Families abroad • People without residence in Germany Especially important: If you live permanently abroad or no longer have a fixed residence in Germany, German private liability insurance often cannot cover you. International liability is then essential.

The insurance covers all three types of damage: Personal injury: • Injuries to third parties through your fault • Treatment costs, pain and suffering • Long-term consequential costs (e.g., care) Property damage: • Damage to third-party property • Destruction of objects • Repair or replacement costs Financial damage: • Financial consequences without personal/property damage • E.g., lost profits through your fault Important: The insurance checks every claim, settles justified demands and defends against unjustified compensation claims – including legal costs.

Yes, international liability insurance offers worldwide coverage – including your home country. This means: • Full protection during home visits • No time limit • Valid for the entire duration of your stay abroad • Germany is covered like any other country Advantage: You don't need separate insurance for stays in Germany.

German private liability: • Only 3-6 months foreign coverage • Often requires residence in Germany • May be cancelled upon deregistration • Cheaper (from €40/year) International liability: • Worldwide, unlimited coverage • No German residence needed • Designed specifically for expats • Coverage up to €70 million (important for USA) • From €34/year Important: For permanent life abroad, German private liability is unsuitable – it ends after a few months or upon deregistration from Germany.

Basic plan: from €34/year • 3-5 million euros coverage • Basic worldwide protection • Single person Standard plan: €50-80/year • 10-20 million euros coverage • Recommended for Europe, Asia, South America • Family discount possible Premium plan: €80-150/year • 50-70 million euros coverage • Essential for USA/Canada • Financial damage included • Family covered Costs depend on: • Coverage amount • Deductible (€0, €150, €500) • Scope of benefits • Number of insured persons Important: Check your existing policy before departure – many German insurances end upon deregistration!

No, there are no waiting periods! Coverage applies: • Immediately after contract start • From day one • For all claims after insurance begins Important: Pre-existing or foreseeable damages are not covered. Therefore take out insurance before a claim occurs.

Here's what to do: 1. Stay calm and provide first aid (for personal injuries) 2. Document: • Take photos of the damage • Note name and address of injured parties • Contact witnesses • Write down exact details 3. Inform insurance (within 1 week): • Online claim report • By email or phone • Submit all documents 4. Insurer handles: • Review of claims • Communication with injured parties • Settlement or defense • Legal costs if needed Important: Never admit guilt and don't pay yourself – always let the insurance review!

Yes, family plans are available! Covered are: • Spouse / registered partner • Unmarried partner (with many providers) • Children (up to 18 or during education/studies) • Minor foster children Benefits: • Family discount (usually 20-30% cheaper than individual contracts) • All persons fully insured • One contract for the whole family Example costs: • Single person: €60/year • Family (2 adults + 2 children): €85/year Family plans are almost always worth it – we're happy to advise you on the best offer!

We recommend €50-70 million coverage: Why so high? • Personal injuries can cost millions (care, lifetime pensions) • In the USA, compensation claims are extremely high • Pain and suffering amounts are continuously rising in Europe too By region: • Europe, Asia, South America: €10-20 million sufficient • USA, Canada, Australia: Minimum €50 million, better €70 million Real example: A serious car accident with permanent damage can trigger claims of $10-20 million in the USA. Important: Higher coverage amounts cost only slightly more (about €20-40/year difference), but protect against existential risks.

Yes, the insurance is flexibly adjustable: Possible at any time: • Increase coverage amount • Expand coverage area (e.g., include USA) • Add additional modules Possible at year-end: • Reduce coverage amount • Change deductible • Downgrade plan Typical adjustments: • Moving to USA → Increase coverage to €70 million • Family addition → Activate family plan • Return to Europe → Remove USA coverage We support you with all adjustments free of charge.

Contract term: • Minimum term: 1 year • Automatic renewal by 1 year each time • Unlimited coverage possible Notice period: 1-3 months before expiry (depending on provider) Payment method: • Annual prepayment • Alternative: monthly payment for surcharge Special cancellation right: • Upon permanent return to Germany • Upon premium increase • In case of claim (for both parties) Flexibility: You remain very flexible and can cancel or switch at any year-end. We remind you of cancellation deadlines in time.

Important to know: Private liability insurance usually only covers small pets (cats, birds, small animals). For dogs and horses you need: Separate pet owner liability – available internationally! What private liability covers for pets: • Damage by cats (e.g., scratched furniture at friend's place) • Birds (e.g., damaged windows) • Small animals like hamsters, rabbits Not covered: • Dogs (separate dog liability needed) • Horses (separate horse liability needed) • Farm animals We're happy to advise you on international pet owner liability plans!

Yes, fully digital from anywhere in the world: 1. Fill out online application (5 minutes) 2. Choose coverage and benefits 3. Receive contract documents via email 4. Insurance starts after payment received 5. Policy number immediately available Required documents: • No special documents needed • No residence in Germany required • Works without German bank account too Important: Take out insurance before leaving Germany or within the first weeks after arrival abroad. We advise you in German via video call, email or WhatsApp – regardless of time zone.

Upon permanent return to Germany, you have several options: Option 1: Keep international liability • Fully valid in Germany too • You stay flexible for future foreign stays Option 2: Switch to German private liability • Often cheaper (from €40/year) • Sufficient if you stay permanently in Germany • Special cancellation right upon return Option 3: Keep both in parallel • Sensible for frequent foreign stays • Seamless protection Our service: We advise you on switching and arrange German private liability insurance if needed for a seamless transition.

Yes, under certain conditions: Private individuals: • Liability insurance deductible as special expenses • Usually limited to maximum amount (approx. €2,800 total for pension expenses) • Applies to taxpayers in Germany Self-employed/freelancers: • Professional liability deductible as business expenses • Private liability still special expenses Living abroad: Tax regulations of your host country apply Recommendation: Clarify details with a tax advisor for international matters. We'll gladly provide you with a premium confirmation.

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International Liability Insurance Abroad