Liability insurance child

The central question of all parents is that my children are covered by our liability insurance. The basic prerequisite for this is that you have also taken out family liability insurance and do not continue with your old single liability from your student days.

We clarify all other questions about liability insurance with children at a glance:

As long as your child is covered by the liability insurance

The most important information first, in a family liability insurance, your children are insured until the end of their education or studies! However, this is only as long as they have not already started work and are not married!

The following are also insured:

• Minors up to the age of 18
• Adults over the age of 18, as long as they attend school or are in their first training.
• Children who live in the same household

Now for the subtle distinctions you should know:

Your children are always in the Family liability insurance insured as long as they attend school. Children are also covered by family liability insurance during their first professional training. They may also have reached adulthood or may no longer live at home.

What counts as initial vocational training?

The first vocational training can be teaching be after school. If then on the teaching, without interruption Education consequently, this is also still considered the first professional training. The same applies if a master’s course is directly connected after the bachelor’s degree.

Warning: if you Child already working after the apprenticeship was and is it only for a few months and then goes on to study, it must be own liability insurance to lock.

Liability insurance child how is that? A clear and clear table helps you immediately to assess your personal, individual situation.

Coinsurance only applies as long as the children are not married or live in a registered civil partnership.

The child liability insurance does not differentiate between adopted and biological children. It also pays for Stepchildren, foster children or adoptive children. Likewise for grandchildren if they live in the grandparents’ household.

Physically or mentally handicapped children who live in a care facility or are cared for at home are also covered by the liability. Legal age does not matter

Special case exchange students and au pairs

Both cases live with you in a household, if only temporarily and are therefore insured, as long as she under 18 years are. Liability insurance is valid for a maximum period of twelve months.

You should pay attention to children who are incapable of tort in liability insurance

If small children are in the house, life is usually more colorful and also much more turbulent. Children are legal only eligible for offenses at the age of seven and therefore also guilty. So if their children cause damage up to this age, they are incapable of liability and liability insurance does not have to pay compensation.

Special case of road traffic, here is the Age limit at ten years, Only then can a child consciously keep an eye on the traffic situation and be held liable for damage. This only applies to flowing traffic, but not to stationary traffic, such as a parked car. If a child scratches a vehicle from the age of seven, compensation is due. Under seven years only if they have violated your duty to supervise.

So far so beautiful, but if your little one destroys the window of the neighbor with football, you certainly don’t want to jeopardize the good neighborhood relationship and therefore replace the broken window. You must do this out of your own pocket if you do not have it in your liability insurance Compensation for children incapable of tort have included. In any case, this is our recommendation.

Parents are responsible for their children

As a parent you have them supervision for your children. The smaller the children are, the more intensively you have to meet this duty of supervision. If your son scrapes his neighbour’s motor vehicle with his scooter and you were too far away to prevent this damage, you are liable for your child and your liability insurance must compensate for the damage.

Therefore damage is more common when it is called child liability insurance

Children still have carefree, other priorities in life and hers playfulness often gains the upper hand if caution is really needed. A cyclist may have to dodge suddenly and break a leg if it falls, causing permanent damage. You are then responsible for paying for medical treatment and for permanent damage for life-long payment Disability pension.

Nowadays, children are also constantly on the move online and are constantly exposed to new dangers. Not only your own computer is at risk, though a careless online surfing a virus lands on it. If your children send the virus from their IP address to other computers and then have to laboriously clean or replace them, this is the same damage a case for liability insurance.

In any case, therefore, make sure that your children from the Family liability insurance are protected and as soon as they move out of their household their own liability insurance is taken out. Because a cost-intensive personal injury happened quickly and your child must be liable for the damage incurred for the rest of his life with everything he ever deserves.

In these cases, students must take out their own liability insurance

Please check in small print whether your family liability insurance requires that students still live in their parents’ household. Otherwise the dream is Studentenbude a reason for own liability insurance. Make sure that it is really a first degree that started immediately after school or an apprenticeship. Here you will find further information on the subject of liability insurance for students

If you are co-insured with your parents as a student, please remember this before semester abroad or internship abroad in any case to check the validity of liability insurance for abroad. Often there are only limited amounts of cover, which will certainly not be sufficient for a possible personal injury in America. Also a time limit at the foreign application should be checked.

Child liability insurance, common examples of damage

> The long-awaited cocoa lands on the new couch and causes thick brown spots that unfortunately don’t want to go out anymore. A new couch element has to be bought.

> When playing in the yard, he lands Soccer in the living room of the neighbors and unfortunately has previously taken the path through the closed living room window. The washer must be replaced.

> On Roller race leads past parked cars and in the heat of the moment her son whispers with the car door and a deep one scratch must be ironed out.

> Her son chases the rolling soccer ball directly onto the street Cars have to dodge and rams a tree. The accident not only causes property damage to the car, but the driver breaks his arm. This personal injury with a possible life-long damage must be covered by their liability insurance.

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