Travel liability insurance guide
Travel safely - travel liability insurance valid immediately
Bernhard travel insurance broker
Travel liability insurance provides personal liability cover worldwide in the event of damage abroad, which is particularly important for longer trips abroad.
Our package in kind
Travel liability insurance cannot be booked separately!
With all corresponding travel insurance policies, it is only taken out in conjunction with the property package - together with accident, legal protection and optional luggage insurance. Simply select the property package when purchasing online.
What is travel liability insurance?
As personal liability insurance, travel liability insurance provides worldwide insurance cover abroad, which is particularly important for longer trips abroad.
Worldwide cover for damage abroad
Anyone who does not have personal liability insurance with worldwide cover should definitely take out travel liability insurance for trips abroad. It can be taken out up to the day of departure.
How easy it is for you to cause personal injury, property damage or financial loss during a trip abroad. This can happen as a result of an accident, carelessness or other circumstances. In any case, this can result in high claims for damages being asserted against you. By taking out travel liability insurance, you are well protected against this.
Services
Travel liability insurance covers the costs of damage caused by you for the duration of your trip abroad. This applies to every trip within the period of validity - including long-term trips.
The benefits are generally the same as for personal liability insurance in Germany.
FAQ
Travel liability does not cover any costs if you as the insured person deliberately cause damage to property or personal injury!
The insurance cover includes the statutory liability arising from the risks specified in the insurance policy and its addenda. The insurance cover does not apply to risks arising from the ownership or use of motor vehicles, aircraft or watercraft subject to compulsory insurance.
Not insured are
Personal injury occurs when an event causing damage results in injury to another person, impairment of their health or their death.
Example of personal injury during a trip:
On a cycling vacation in Mallorca, you try to overtake another cyclist. In doing so, you accidentally cause him to fall. The other cyclist falls and suffers a serious head injury.
Material damage is damage caused to the property of another person. It occurs when an object is damaged, destroyed or lost without intent.
Example of property damage during a trip:
In a 5-star hotel in Dubai, you accidentally knock over an expensive vase. The hotel demands compensation in order to repair or replace the damaged vase.
A financial loss occurs when someone suffers a direct or indirect financial loss due to your fault.
Example of financial loss on vacation:
Your child accidentally causes a fire alarm while on vacation in Italy. As the legal guardian, you must pay for the financial loss caused and bear the costs of the false alarm.
