1. Getsafe
Getsafe offers private liability insurance with a premium starting at just 2.94 euros per month, providing coverage of up to €50 million.
The insurance covers accidental damage to others’ property, and the cost varies based on factors such as coverage amount, deductible, and location. Customers can manage their insurance through the Getsafe app, which also allows for easy reporting of damages.
Coverage:
- Covers accidental damage to other people’s property, bodily injuries, and financial losses caused by you.
- Includes coverage for various situations like:
- Damaging someone’s belongings while visiting their home.
- Accidentally injuring someone while playing sports.
- Causing financial losses due to professional negligence (optional add-on).
- Offers sum insured up to 50 million euros.
Premium Pricing for Single Person (in Germany):
- €2,70 /month with a 300 euros deductible
- €3,32 /month with 150 euros deductible
- €4,14 /month without any deductible
Advantages:
- Affordable: Generally considered competitive pricing compared to other providers.
- Flexible: Customizable coverage levels and optional add-ons.
- Digital: Manage everything through their mobile app, including getting quotes, filing claims, and contacting customer service.
- Transparent: Clear communication about coverage and pricing.
- Good customer service: Positive reviews for responsiveness and helpfulness.
Disadvantages:
- Limited availability: Only available in Germany.
- Digital focus: Might not be suitable for those who prefer traditional insurance companies.
- Limited coverage options: Compared to some competitors, might not offer as many additional coverages.
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