Berlin City Guide

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© 2016 Dwellworks Page 7 Berlin City Guide
Insurances
Personal Liability Insurance (Privat-Haftpflichtversicherung)
a) Vehicle: An unlimited third party liability insurance policy is compulsory for all cars/motorized
vehicles in Germany. Safe drivers are rewarded by reductions of the premiums. In order to
benefit from this, please provide your insurance record from your previous insurance company.
b) Private: This insurance is optional, but highly recommended. Many landlords will demand
proof of liability insurance before signing a lease contract, since it covers cases of liability for
injury or damage to other persons or their property. Basic or standard coverage is EUR 5-10
million against injury or damage and EUR 1 million against damage to rented property. Some
insurances offer special premiums for singles.
c) Animal owner: Dog liability insurance is strongly recommended.
Legal Insurance (Rechtsschutzversicherung)
Legal Insurance covers any legal costs you encounter up to a certain limit. And, if you want to
counter sue, it will cover the payment as long as there is a reasonable chance of winning. Legal
insurance can be purchased for different purposes, such as for the entire family, the job, traffic
infractions or the lease of your home.
Suggested English speaking independent insurance brokers* offering services in different
ways (in person, via email, on-line or phone):
Hoesch and Partner
(offices in Frankfurt, Dusseldorf, Hamburg, Stuttgart, and Munich)
Matthias Heil
Rüsterstr. 1, 60325 Frankfurt
Tel.: 069 - 71 70 7-0
Fax: 069 - 72 73 75
E-Mail: / Website:
Competence Exclusive E.K.
(offices in Cologne, Aachen, Bonn, Leverkusen, and Düsseldorf)
Claus Edam
Klosterstr. 6, 50181 Bedburg
Tel.: 02272 - 4 07 58 34
Fax: 02272 - 4 07 58 35
E-Mail: / Website:
Services of these brokers are offered free of charge and include not only initial consultation but
also the development and presentation of tailored solutions, negotiations of conditions with
insurance and financial institutions, as well as applications, claim settlements, cancellations or
changes of policies.
*Brokers may also provide contracts with state health insurance. If not, please contact the
insurance company directly.
Suggested English speaking state health insurance providers offering services in different
ways (in person, via email, on-line or phone):