3 Best Liability Insurance – Students Germany [2023]

Woman putting head in hands due to stress about best liability insurance in Germany

Are you an international student planning your studies in Germany in 2023? Your health insurance may be sorted, but have you considered the best liability insurance for students in Germany?

Liability insurance, often referred to as personal or private liability insurance in Germany, is a must-have for students. It covers risks you might not even think about. From accidental damage to a friend’s property to unexpected legal expenses, the right liability insurance can save you from financial headaches. 

Getsafe, Feather, and Helden.de stand out as top personal liability insurance providers.

In this blog, we’ll guide you through these three best liability insurance for students in Germany in 2023, helping you make an informed decision. 

Also read: How Much Does Liability Insurance Cost in Germany: Overview

Why International Students Need Liability Insurance in Germany?

Students listening to a lecture in university

International students in Germany should prioritize purchasing liability insurance, specifically private liability insurance. 

Liability insurance in Germany is crucial for safeguarding against unexpected expenses arising from unintentional damage or injury. Without it, students may be held personally responsible for the costs, which can be substantial. 

Health insurance, while necessary, does not cover these liability-related expenses. Selecting the right insurance provider is essential to ensure comprehensive coverage.

Personal liability insurance covers incidents like property damage or accidental injuries caused by the policyholder, providing peace of mind and financial protection during their studies in Germany.

What’s The Usual Liability Insurance Coverage?

Girl holding highlighter pen while talking to someone

Liability insurance, also known as personal or private liability insurance, provides coverage for various situations where the insured individual may be liable for causing harm or damage to others. It is a fundamental component of insurance policies such as car insurance and third-party liability insurance in Germany. 

Here are the key instances that liability insurance covers:

Girl holding head because of headache

Personal Injury

Liability insurance covers costs related to personal injury claims, including medical treatment costs for injuries sustained by a third party due to your actions.

Property Damage

It covers the expenses associated with property damage caused by you, such as repairing or replacing damaged property.

Legal Defense

If you are sued for your actions, liability insurance can assist with legal defense costs, helping you navigate the legal process.

Unjustified Claims

In the event of unjustified claims made against you, liability insurance can provide protection and support to address and resolve such claims.

Rented Property

When renting property, liability insurance may be required to cover damages you or your family members might accidentally cause to the rented property.

Car Insurance

In the context of car insurance, liability insurance is essential. It covers situations where you may cause an accident that results in personal injury or property damage to others.

Insurance Broker

Consulting an insurance broker can help you find the right liability insurance policy for your specific needs, ensuring that you have appropriate coverage in place.

Insured Separately

Different types of liability insurance, such as personal and private liability insurance, may need to be insured separately, depending on your circumstances and requirements.

Coverage Limits

Liability insurance policies have coverage limits, and it’s important to understand the extent of coverage provided by your insurance provider.

Liability insurance plays a crucial role in managing your financial responsibilities when you are held liable for accidents, injuries, or damages to others. While it operates similarly in various contexts, such as car insurance and third-party liability insurance in Germany, it’s essential to be aware of any specific regulations and coverage limits that may apply in your region.

Related article: 5 Best German Health Insurance in 2023

Where to Get The Best Personal Liability Insurance in Germany?

Student wearing mask while taking exams on class

Selecting the right personal liability insurance provider or private liability insurance company in Germany is crucial. The choice of insurance provider directly impacts the coverage, premiums, and service quality you receive. 

In the event of a liability claim, the insurer’s reliability and responsiveness become paramount. An appropriate insurance provider ensures that your personal liability insurance policy aligns with your specific needs, offering adequate protection in case of accidents or damages. 

Making an informed choice can prevent financial distress and complications in the future, making it imperative to carefully assess and select the best insurance company for your personal liability insurance in Germany.

Expats and international students can get the best public and private liability insurance from Getsafe, Feather, and Helden.de. 


Our Pick
Getsafe logo


Transforming liability insurance in Germany, our tailored coverage adapts seamlessly to your dynamic lifestyle, empowering you in every endeavor and serving as your shield against the unexpected.

This Germany liability insurance provider is committed to transparency, providing extensive informational resources within their app. This includes articles and guides explaining liability insurance concepts, coverage options, and claims processes. Customizable liability insurance policies cater to individual needs, preventing unnecessary expenses. 

Getsafe is a prominent German digital insurance company specializing in liability insurance, including private liability insurance in Germany. They offer a hassle-free online platform for purchasing liability insurance, ensuring affordability with coverage up to €50 million. 

Getsafe’s liability insurance in Germany, as reported by mygermanfinances.de, offers various pricing options for individuals seeking third-party liability insurance. The standard private liability insurance rate is €4.70 per month, totaling €56.40 annually. This standard plan comes with no deductible per liability case. 

Getsafe’s English service and user-friendly interface save time and simplify the insurance process. They excel in delivering cost-effective premiums without compromising on high-quality coverage.

Getsafe is a 100% digital, English-speaking provider with the highest customer reviews among other insurance apps. Read them here

Cost of Getsafe Liability Insurance

The monthly rates for different deductible options are as follows:

  • No Deductible (0.00€) – €4.70/month | €56.40/year
  • Deductible of €150 – €3.50/month | €42.00/year
  • Deductible of €300 – €3.30/month | €39.60/year
  • Deductible of €500 – €3.11/month | €37.32/year
  • Deductible of €1000 – €2.80/month | €33.60/year

Getsafe’s liability insurance offers flexibility in choosing deductible amounts, allowing policyholders to customize their coverage and associated costs. This makes it a comparatively cheap option for those looking for reliable insurance coverage.

  • Offers affordable liability insurance with extensive coverage, up to €50 million.
  • Customizable policies allow individuals to pay only for the coverage they need.
  • The company is dedicated to transparency, providing valuable information resources.
  • Maintains cost-effective premiums while delivering high-quality coverage.
  • They provide an English service and an easy-to-navigate interface.
  • Limited information regarding the company’s history and reputation is available, potentially raising concerns for those seeking a well-established insurance provider.
  • Limited reviews are available because Getsafe is relatively new to the marketplace, which might leave some customers questioning the company’s performance and reliability.


2nd Pick
Feather insurance logo


Elevating health coverage for Germany’s public and expat students. Customized plans, minimal bureaucracy—ensuring seamless well-being assurance that adjusts to your distinctive journey.

Feather Insurance is an insurance brokerage catering to expats relocating to Germany. Specializing in various insurance products, including private health insurance, liability insurance, and dental insurance, Feather Insurance offers tailored recommendations aligned with your lifestyle, ensuring you’re not advised on unnecessary coverage. 

They collaborate with trusted providers in the German insurance market, known for their excellent value and comprehensive coverage. Feather Insurance streamlines the insurance process with a rapid digital sign-up, taking just minutes to complete. 

Screenshot of Feather's website homepage

Moreover, their free recommendation tool helps expats navigate the intricacies of obtaining the right insurance coverage, meeting legally obliged requirements, and protecting against financial damage.

Cost of Feather Personal and Liability Insurances

According to welcome-hub-germany.com, Feather Insurance provides Germany liability insurance at an attractive starting price of just €4.94 per month. 

The liability insurance cost varies depending on factors like coverage amount, deductible, and optional add-ons, allowing policyholders to customize their coverage to suit their specific needs. Feather Insurance boasts a fully digital sign-up process, taking just 2 minutes to complete, offering convenience and efficiency. 

With monthly rates starting at €4.94, Feather’s personal liability insurance covers up to €50 million, providing financial protection for unexpected events and potential damage costs for policyholders and their family members.

  • Adopts a customer-centric approach, providing tailored recommendations for various insurance needs.
  • The company has garnered widespread praise and positive feedback from satisfied customers.
  • Streamlines the process with a fully digital sign-up.
  • They offer a diverse range of insurance products, including health insurance, disability insurance, and life insurance.
  • While providing valuable services, Feather Insurance may not always be the most cost-effective option for insurance in Germany, which could be a consideration for price-conscious consumers.
  • Limited information regarding the company’s history and reputation is available, potentially leaving prospective customers with questions about their track record and upper limit of insurance offerings.

Interested in getting Feather insurance? Check this article: Insurance in Germany: Feather Review


third Pick
helden.de logo


Unleashing protection with flair. Elevate your security with our liability insurance—tailored coverage for personal injury, property damage, and financial loss. Defend your journey, embrace fearless living.

Helden.de is a German liability insurance provider based in Berlin, founded in 2018. Specializing in personal liability insurance, they aim to revolutionize the insurance industry with well-designed, equitable, and digital insurance products. 

While their services are exclusively offered in German, the flexibility to cancel at any time caters to diverse needs. 

Helden.de is committed to delivering sophisticated insurance products that provide optimal protection. Their team comprises experts, tech-savvy professionals, and insurance experts collaborating to offer top-tier insurance solutions. 

Helden.de offers customizable policies, ensuring that individuals pay only for the coverage they require, safeguarding against financial loss and personal damage due to accidental or other unforeseen events in Germany.

Cost of This Third-Party Liability Insurance

Based on a report by liveingermany.de, Helden.de offers private liability insurance with a deductible of €150 for €6 per month or €72 per year. It is important to note that the cost of liability insurance in Germany varies depending on the provider and the coverage you choose. The coverage you’re willing to get will largely determine the cost of your third-party private liability insurance.

Helden.de Pros

  • Offers a diverse selection of insurance products, encompassing personal liability insurance.
  • They provide advanced insurance products designed to offer the best possible protection for policyholders.
  • Offers customizable policies, ensuring that individuals only pay for the coverage they need.
  • The company is dedicated to revitalizing the insurance industry with well-conceived, equitable, and digital insurance products.

Helden.de Cons

  • Limited information is available regarding the company’s history and reputation, which might raise questions for potential clients.
  • Services are solely provided in German households and language, potentially excluding individuals, including students studying abroad, who may not be proficient in the language.

Also read: 3 Best Personal Liability Insurance in Germany

Why I Choose Those Liability Insurance Providers? 

For each of the three insurance providers (Getsafe, Feather, and Helden.de), I recommend them based on their distinct strengths and advantages across various key factors such as coverage, pricing, customer service, and claim processes:


  • Getsafe is highly recommended for its comprehensive coverage, ensuring that students are well-protected against significant financial losses from accidental damage or injuries. The coverage extends to €50 million, providing peace of mind during your studies in Germany. This level of protection is especially valuable for international students, who may face unexpected expenses.
  • The user-friendly interface of Getsafe’s online platform simplifies the insurance process, making it easy to purchase liability insurance. This feature is particularly convenient for students who value simplicity and efficiency.
  • Getsafe stands out for its affordability. With standard private liability insurance rates starting at €4.70 per month, it offers competitive pricing without compromising on the quality of coverage. Additionally, the option to customize deductible amounts ensures that policyholders only pay for the coverage they genuinely need, making it a cost-effective choice for various insurance needs.


  • Feather comes highly recommended for its tailored recommendations and efficient service. They excel in providing individualized insurance solutions that align with your unique circumstances and preferences. This is particularly beneficial for students who want insurance that suits their needs, whether studying abroad or relocating to Germany.
  • The quick digital sign-up process Feather Insurance offers takes just a few minutes to complete, making it a hassle-free experience. This efficiency is valuable for students who appreciate a quick and convenient insurance process.
  • Feather collaborates with trusted providers in the German insurance market, known for their excellent value and comprehensive coverage. This demonstrates a commitment to delivering quality insurance solutions and a high level of service, which benefits students looking for reliability and comprehensive coverage.


  • Helden.de is a top recommendation for its customizable policies, allowing individuals to pay for the required coverage. This flexibility is vital for students who want to efficiently manage their insurance costs while ensuring adequate protection. It’s particularly relevant when considering the potential for accidental damages or other unforeseen events during your studies in Germany.
  • The company is committed to revitalizing the insurance industry with well-conceived, equitable, and digital products. This innovative approach aligns with the evolving legal landscape, making it suitable for students who want insurance that adapts to changing needs.
  • While services are exclusively provided in German, Helden.de’s commitment to delivering top-tier insurance solutions benefits students who are proficient in the language. Their team of tech-savvy professionals and insurance experts ensures that policyholders receive optimal protection and support during their studies.

Note: These recommendations are based on the specific strengths and advantages of each insurance provider, focusing on what makes them stand out in serving the needs of students in Germany.

Related article: Cost of Car Insurance in Germany [2023 Guide]

How to Pick The Right Liability Insurance for Students and Expats?

Female Student thinking How to Pick The Right Liability Insurance for Students and Expats

Selecting the appropriate liability insurance, especially for students and expats, involves several key steps:

Assess Your Needs

Determine your specific coverage based on your circumstances, including whether you need insurance for students or expats. Consider the damages caused you might be liable for and what should be covered.

Compare Policies

If you want to be an insured single person, you need to have the best plan that covers most accidents. Research and compare various insurance providers, examining coverage limits, deductibles, and monthly premiums. Ensure you don’t end up paying large amounts for coverage you don’t need.

Evaluate Current Provider

If you have existing insurance, check if you can expand or adjust your policy rather than obtaining a new one. Sometimes, your current provider may offer additional coverage for expats or students.

Check Flexibility

Ensure the policy allows you to cancel anytime without significant penalties or restrictions, providing flexibility if circumstances change. It’s best to choose a provider that allows you to cancel anytime to avoid related problems in the long run. 

Understand Local Regulations

Familiarize yourself with liability insurance requirements in your home country and the specific regulations in the country you are in, as Germany depends on the legal framework.

Seek Recommendations

Don’t get separate insurance from different providers. Ask for recommendations from peers or fellow expats and students with liability insurance experience. They can provide valuable insights and share their experiences.

Protect Your Assets

Make sure that your liability insurance adequately safeguards your assets. Hence, you are financially secure in the event of an accident for which you are liable.

Also read: Cheapest Health Insurance in Germany for Students

Final Thoughts About The Best Liability Insurance – Students Germany

In conclusion, personal liability insurance is a crucial safeguard for international students in Germany, offering protection against unforeseen expenses resulting from accidental damage or injury. To make an informed choice, consider your specific needs, compare policies, and assess existing options. 

Getsafe, Feather, and Helden.de stand out as top providers, each with its advantages. Your choice should align with your unique circumstances and provide peace of mind while studying in Germany. 

If you want to know more about these companies and their products, you can click the links in the article to visit their websites. By doing so, you will also help us keep this blog afloat.

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