Travel liability insurance in the property package

The insurance cover includes the legal liability from the risks specified in the insurance policy and its supplements. The insurance cover does not apply to risks arising from the keeping or use of motor vehicles, aircraft or watercraft subject to insurance.

Not insured are:

• Loss of third-party private apartment keys
  - If the keys were not lawfully in the custody of the insured person
  - If the damage amounts to up to 150 €
  - Consequential damage resulting from the loss of keys (e.g. burglary)
  - Keys to movable property, including safe and furniture keys, if the damage amounts to up to € 150
  - loss of keys from keys provided by the host school
• Keeping or use of motor vehicles, aircrafts or watercrafts subject to compulsory insurance
• Holding and use of a vehicle
• E-scooters (the holding or use of e-scooters subject to insurance is not insured)
• Third-party property that has been rented, leased, rented or borrowed
• Triggering of a false alarm at the fire department and police department
• Postage costs for sending bills
• Other damage to property

A personal injury occurs when an injury to another person, impairment of his or her health, or his or her death results from an event that causes the injury.

Example of personal injury during a trip:

While on a cycling vacation in Majorca, you attempt to overtake another cyclist. In doing so, you accidentally bring him down. The other cyclist falls and suffers a serious head injury.

Property damage is damage caused to the property of another person. It occurs when a thing 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 a financial loss on vacation:

Your child accidentally causes a fire alarm during a vacation in Italy. As the parent or guardian, you must pay for the pecuniary loss caused and bear the costs of the false alarm.

Benefits provided by travel liability insurance:

• Examination of the liability question
• Defense against unjustified claims for damages
• Indemnification from justified claims for damages
• Authorization to take legal action on behalf of the insured and assumption of the costs of the legal action
• Assumption of the costs for a defense attorney in criminal proceedings