Get your personal liability insurance in Germany
Pick your family situation, compare the offers we've selected for coverage and price, and sign up in minutes from €45/year. We handle the contract for you.
Free advice · You pay the insurer's official rate, not a euro more
Why get personal liability insurance in Germany?
Protect your finances
In Germany you are liable by law for damage you cause to others — with no limit. The insurer covers claims worth up to several million euros, for a premium from €45/year.
Covered before it happens
A bike scratching a car, lost keys, a water leak in your rented flat: the most common claims happen without warning. Insurance only protects you if it's already in place.
The insurance Germans take for granted
It's not mandatory, but it's Germany's most widespread insurance: many landlords ask for it when renting, and everyday life here simply assumes you have it.
What you need at hand to sign up
The application takes just a few minutes. You only need:
Your address in Germany (the one on your Anmeldung)
Who to include in the policy: just you, your partner or the whole family
The start date you want for your coverage
Your IBAN for the direct debit
How signing up works
Pick your personal situation: single or couple, with or without children
Compare the selected insurers by coverage and price
Fill in the application form in English
We check your details and process the contract with the insurer for you
Personal Liability Insurance comparator
Select your family situation to see the best offers available for you.
* Do you have any doubts during the process? Contact us and we will help you for free.
What happens after you send your application
We receive your application
You get a confirmation and an adviser checks that all your details are correct before anything is sent to the insurer.
We process the contract
We handle the registration with the insurer on your behalf. If anything is missing, or there's a better option for your case, we tell you before going ahead.
You receive your policy
The insurer sends you the policy documents. Your coverage begins on the start date you chose, once the contract is confirmed.
Why arrange your insurance through Bramex
Less bureaucracy
We manage the contract for you so the process is faster, clearer and hassle-free.
Ongoing support
We stay by your side after signing: address changes, questions about invoices or handling a claim, in your language.
In your language
The whole process is in English, so you understand every step and sign with confidence.
No extra cost
You pay exactly the insurer's official rate. Our remuneration comes from the company, not from your pocket.
Frequently asked questions about signing up
When does my coverage start?
On the start date you choose in the application, once the insurer confirms the contract. If you need coverage as soon as possible, tell us and we'll prioritise your case.
How much does it cost to sign up through Bramex?
Nothing extra. You pay the insurer's official rate, the same as contracting directly with the company. Our remuneration comes from the insurers, and personal liability insurance usually costs between €45 and €100 a year.
I already have liability insurance — can I switch?
Yes. These contracts usually run for one year with automatic renewal and can be cancelled with 3 months' notice. We review your current policy, tell you whether switching pays off and guide you through the deadlines so you never pay for two policies at once.
Can I include my partner and children?
Yes. When you pick your situation in the comparison tool you'll see rates for singles, couples and families. Including more people may slightly change the price, but it remains one of the cheapest insurances in Germany.
What exactly does this insurance cover?
Personal, material and financial damage caused unintentionally to third parties, including damage to your rented flat and lost keys. You'll find the full explanation, with real-life examples, in our guide to personal liability insurance in Germany.
Would you rather talk to an adviser before signing?
We'll help you resolve any doubt about personal liability insurance in Germany. Advice is free and comes with no obligation.