Liability Insurance Germany

Find the perfect liability insurance in Germany tailored for expats.

Comprehensive coverage, legal protection, and flexible plans.

Get the lowest rates available, starting at 2,50€ per month.

Ready to secure your peace of mind in Germany? Fill out our contact form for personalized advice on the best liability insurance for expats and 

receive insurance cover within one hour.


Enjoy top coverage, legal defense, and benefit from the lowest prices.

After filling out the form, our insurance experts will contact you to tailor your premium rate to your specific needs.
Our advice and service is free and non-binding.

Click on one of the options below to start the survey and get our liability insurance cover within one our.

Your information is safe with us—we never share it with anyone.

Welcome To Smarter Liability Insurance With MW Expat

At MW Expat, we understand the importance of protecting your assets and peace of mind. That's why we offer liability insurance plans designed to provide expats with comprehensive coverage, flexible options, and the most affordable rates guaranteed.

Why Choose Our Insurance Plan?

Lowest Rates Guaranteed

We promise the most affordable liability insurance rates, ensuring you receive the best value for your money. Starting as low as 2,50€ per month.

Quick and Easy Claims Process

Enjoy a hassle-free claims process with our efficient and responsive customer service, ensuring your claims are handled promptly and fairly.

Tailored for Expats

Our liability insurance plans are specifically designed to meet the unique needs of expats living in Germany, offering flexible and customizable options.

Comprehensive Coverage

Our policies provide extensive coverage, protecting you against a wide range of potential liabilities and legal claims.

Expert Personalized Advice

Get personalized advice from our experienced insurance experts to help you choose the best liability insurance plan that fits your specific needs and circumstances.

What our clients say about our services

Proven Expert Review
Read More
I have had an incredible experience with Dabar Reimer. She is very well experienced and was able to provide solutions for multiple scenarios. I am very thank full to her and highly recommend having a discussion with Dabar before choosing your next insurance policy.
Grant F.
Grant F.
Proven Expert Review
Read More
They have been so patient and thorough with helping during every step. I couldn’t imagine doing this on my own!
Chew Teck S.
Chew Teck S.
Proven Expert Review
Read More
My agent, Anja Lampert is super friendly and helpful throughout the entire process. Excellent service provided.
Proven Expert Review
Read More
The support I have received from Dabar was outstanding. She was always available to answer all my questions, and helped me out through the whole process. Thank you so much!
Proven Expert Review
Read More
I have appointed with Alex as the to-go person for all matters. Honestly he is providing the best service someone can get in Germany, solving problems literally in minutes! Highly recommend MW Expat Solution!
Proven Expert Review
Read More
It was a brilliant experience with MW expat. Right from filling up my details online, receiving a prompt call to book an appointment for detailed discussions of my needs to finally having a zoom call to talk to an advisor face to face was quick efficient, and re-assuring. I had the privilege to talk to Adriana Gonzalez, who was nothing short of brilliant. She was extremely composed, utterly professional, and very helpful.

Exclusive Offers Just for You

  • Personalized Plans: Talk to our liability insurance experts to get a plan tailored just for you.
  • Flexible Coverage: Decide how much coverage you need, and adjust it as your situation changes.
  • Lowest Rates Guaranteed: We promise the most affordable liability insurance rates available. Act Now for Peace of Mind

Act Now for Peace of Mind

Liability insurance with MW Expat is about ensuring comprehensive protection without financial worries. Book a chat with us today to see how we can help you secure the best coverage.

Our Effortless Insurance Process​

MW Compare Insurance Step 1

Fill out the form

Click through our insurance form and fill in your contact details.

MW Compare Insurance Step 2

We will contact you

Our counsellors will contact you promptly for a non-binding and free initial consultation.

MW Compare Insurance Step 3

Receive offer

Receive your individual and free offer. Feel free to contact your personal counsellor for any question.

Chat With Our Team​

You have an urgent request? Or just need some more information about German liability insurance? No problem!

Our Customer Care team will be happy to answer all your questions.

Bianca Lukas

Insurance Expert

Carmen Dorlan Customer Care at MW Expat Solution Services GmbH

Carmen Dorlan

Insurance Expert

Mihaela Dorlan, Customer Care, MW Expat

Mihaela Dorlan

Insurance Expert

Understanding Liability Insurance in Germany: A Must-Have for Expats

Moving to a new country comes with its own set of challenges and opportunities, especially when it comes to understanding legal requirements and ensuring you’re adequately protected. Germany, with its rich culture, robust economy, and high quality of life, is a popular destination for expats from around the world. However, navigating the German insurance landscape can often seem daunting. One question that frequently arises is: Is Liability Insurance mandatory in Germany?

Is Haftpflichtversicherung Mandatory in Germany?

Haftpflichtversicherung, or personal liability insurance, is not mandated by law in Germany, but it’s considered a must-have for anyone living in the country. Why? Because it protects you from the financial repercussions of damages you might inadvertently cause to others. Whether it’s a broken vase at a friend’s house or a more serious accident where someone is injured, liability insurance has got you covered. While not legally required, the peace of mind it offers makes it indispensable.

What is Covered in a Liability Insurance?

Liability insurance in Germany is designed to protect you against claims for personal injuries, property damages, and financial losses caused to others. This includes:

  • Personal Injuries: If someone is injured due to your actions.
  • Property Damage: If you accidentally damage someone else’s property.
  • Financial Loss: If your actions cause financial loss to another person.

It’s the shield that stands between you and potentially crippling financial demands, ensuring an accidental slip doesn’t lead to a financial downfall.


What is Accident Insurance in Germany?

While liability insurance covers damages to others, accident insurance (Unfallversicherung) is for your own protection. It provides you with financial support in case of serious injuries resulting from an accident, helping cover medical expenses, rehabilitation costs, or providing a lump sum in the event of permanent disability. Accident insurance complements liability insurance, focusing on your well-being and financial stability in the wake of an unforeseen event.

Which Insurances are Required by Law in Germany?

While personal liability insurance is highly recommended, it’s not legally required. However, there are other insurances that are mandatory for residents:

  • Health Insurance: Everyone living in Germany must have health insurance, either through the public system or a private provider.
  • Car Insurance: If you own a vehicle, having third-party liability car insurance is compulsory.
  • Professional Liability Insurance: Certain professions may require specific liability insurance to practice legally.

Personal Liability Insurance in Germany

Why Contact Our Insurance Experts?

Understanding your insurance needs in Germany can be complex, especially when balancing legal requirements and optional coverages. This is where our team of insurance experts comes in. With a deep understanding of the German insurance market and a commitment to providing professional, trustworthy advice, we’re here to guide you every step of the way.

Whether you’re seeking to understand the intricacies of liability insurance or exploring your broader insurance needs in Germany, our team is here to ensure you’re fully protected, allowing you to focus on enjoying your expat journey.

personal liability insurance

Limited time offer: Save 45% on your vehicle insurance in Germany