Personal liability insurance short summary

Your Personal Liability Insurance

Insurance Provider: Adcuri

Plan

Sum Insured

Best Benefit Guarantee

Tariff Option

What's covered

Damage to other people's property

You’re riding your bike and accidentally crash into a parked car, causing a dent and scratching the paint. Your liability insurance covers the cost to repair the damage.

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Damage to rented property

You’re living in a furnished apartment and accidentally spill red wine on the landlord’s couch. Your liability insurance covers the cost to clean or replace the damaged furniture.

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Loss of keys and keycards

You lose the key to your rented apartment while out for a walk. Your liability insurance covers the cost to replace the key and if necessary, the entire locking system of the building.

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Defense against unjustified claims

After you move out, your landlord demands compensation for scratches on the floor. But the wear is considered normal usage. Your personal liability insurance steps in, rejects the unjustified claim, and defends your rights.

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Damage caused by small pets

A friend visits to show you their new laptop. Your cat jumps on the table and spills a glass of water, the laptop is ruined. The damage is covered. Small pets like cats are included, but dogs require separate liability insurance.

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Sporting activities

During a casual football game in the park, you accidentally injure another player. Your liability insurance covers the resulting medical expenses and potential compensation claims.

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Drones

While flying your drone in a public park, you lose control and it crashes into a parked car. Your liability insurance covers the repair costs for the vehicle.

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Default claims protection

At a barbecue, a guest accidentally knocks over your smartphone, breaking it. They have no liability insurance and are legally proven unable to pay for the damage. In this case, your own personal liability insurance steps in and covers the costs.

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What's not covered

Claims within your own household

Example 1: You accidentally scratch your own car. Personal liability insurance doesn’t cover damage to your own belongings. Example 2: Your child knocks over your partner’s laptop. Since both are covered under the same policy, the damage is not insured. Claims between co-insured persons are excluded. However, personal injury between co-insured individuals is covered.

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Normal wear and tear

After years of use, your apartment’s door handle becomes loose and eventually breaks. Gradual wear and tear is considered normal usage and is not covered by liability insurance.

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Broken glass

Unlike scratches, broken glass in your household like a shattered window, is not covered by liability insurance. This kind of damage can optionally be insured through household contents insurance. However, glass damage that occurs outside your own household, for example at a friend’s home or your neighbour’s is generally covered.

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Locksmith services

You lock yourself out of your apartment and need a locksmith. The cost for the service is not covered by personal liability insurance.

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Frequently asked questions

Does my dog have to be on a leash to be covered?+

You don’t have to keep your dog on a leash at all times for your insurance coverage to be valid. This is not the determining factor for your insurance company’s decision to cover the damage. Even if your dog runs into the road and causes an accident, your insurance will still cover the damages.

Is my dog covered when a dog sitter takes care of him?+

Yes, your dog sitter is covered under your dog liability insurance — as long as they’re not caring for your dog on a professional or paid basis. If they are, they would need to have their own insurance.

How many dogs can I insure?+

You can insure as many dogs as you like. In the calculation tool above you are limited to a maximum of 3 dogs. Should you have more, simply write us an email and receive an individual offer from us.

What happens if my dog gets puppies?+

As long as the puppies remain in your care, they are automatically covered together with their mother — free of charge for up to 12 months.

Is my rented apartment also insured?+

Yes, your dog liability insurance covers damage to your rented apartment, for example, scratched doors or damaged walls — as well as other rented items, such as holiday homes or furniture. You're even covered if the damage happens while you're not present.