Liability insurance: co-insure children

Despite all care, even adults are not immune to causing costly damage through inattentiveness or negligence – and certainly not children! When playing ball, skateboarding or cycling in the courtyard, the neighbour’s patio door can break quickly or a friend’s car can be damaged.

Damage that has not been restored can lead to a lasting disruption to the neighborhood or friendship. If you want to avoid such conflicts and be financially secure, it is best to take out cheap family liability insurance, which also insures all family members – including children who are unable to torture.

Children’s liability and incapacity to tort

Children who have not yet reached the age of seven are considered incapable of tort in Germany. That means they are not responsible and are not liable for any damage they cause. The limit of liability for children for damage that occurs in road traffic is ten years. Parents – or their private liability insurance – only have to pay for damage caused by children who are incapable of tort if they have violated their duty to supervise.

Info: It cannot be said generally when exactly the duty of supervision is violated. Therefore, such cases are often the subject of legal proceedings. Factors that are used for assessment are, for example, the age, level of development and character of the child.

The victims are often relatives, neighbors or friends. In order to avoid disputes, it is advisable to take out liability insurance that also covers children who are unable to torture. With such a tariff, your personal liability in the event of damage also pays at your request if you are not liable and are therefore not obliged to pay compensation.

Before concluding the contract, you should carry out a price comparison of the liability insurance and carefully examine the contract conditions and benefits. It should also be noted that the insured amount of damage for children who are unable to torture may be limited.

Insurance coverage for children in private liability

Liability insurance is available for singles, single parents, couples without children and for the whole family. The following people are covered for tariffs that also insure children:

biological children as well as step-children, adoptive children, grandchildren and foster children
children of legal age during the federal voluntary service or a social or ecological year, provided they are not married and do not live in a registered civil partnership
Children who complete vocational or academic initial training following social service or immediately after school
Children who have become unemployed after an apprenticeship or training measure are usually insured with their parents for one year
Minors who are not related to the policyholder but live temporarily (usually up to twelve months) in their household (e.g. au pair, exchange student)
adults, unmarried and physically and / or mentally handicapped children not living in a registered civil partnership who live in a care facility; protection usually applies for an unlimited period
underage children of co-insured children

Second degree, second apprenticeship, internship, further training, part-time studies: If a child is in one of these training relationships, the insurance cover usually does not apply. If your children are completing a second degree, they should take out their own student liability insurance.

Liability insurance: caution is better than forbearance

If your child causes personal injury, property damage or financial loss, this can be very expensive or even result in financial ruin. Therefore, you should not save at the wrong end. Make absolutely sure that your liability protection includes your children. Our non-binding and free private liability comparison helps you to choose the optimal tariff. If you wish, you can take out private liability directly online. However, you also have the option of receiving an offer without obligation by email or post.

Private liability comparison including child

Compare now and cheaply insure children with private liability

Personal liability insurance comparison – how much you can save

Cheapest tariff
€ 23.03 annually The most expensive tariff
112.18 € annually total savings 80%

Policyholder: family with child, 62 years old, public service
Cheapest rate: Rhion – Plus, € 23.03 annually (€ 500 deductible, € 5 million coverage, without co-insured children unable to torture (i.e. children are at least 10 years old), 3-year contract)
Most expensive tariff: Condor – Privatschutz Comfort, € 112.18 annually (€ 150 deductible, € 20 million coverage, including insured children who are incapable of tort)

Total savings: 80%
Source: CHECK24 private liability comparison, 03/2019

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