Private liability insurance - when are children included in the insurance?

Private liability insurance – When are children insured??

As a parent, you not only want to optimally insure yourself, but also one good protection for the children use. You should ask yourself what exactly is protection and whether your children need completely independent insurance.

In the Insurance conditions of private liability insurance the handling is precisely defined. The "Gesamtverband der Deutschen Versicherungswirtschaft e.V." (GDV for short) specifies roughly what services should be included there. The insurability and risks associated with securing children are therefore precisely regulated.

Not only those who are insurable are blood-related offspring, but also step-children, adoptive and foster children, that can easily be included in the insurance cover. Children from a co-insured partner are also treated as equivalent.

What are the requirements?

In order for a child to be insured through the parents, they must be covered during the term of the contract or already when the contract is concluded displayed at the insurance company become. The same applies to newborns, who are protected from the start by the pension insurance. If there is timely notification of the birth of the new family member, the family protection will be adjusted as a result.

Understandably, there are also regulations that clarify the insurability of children in private liability insurance. If the Youngsters under 18 years old there are usually no problems. So that children can still be included in the family liability insurance, the prerequisite must simply be that they are not yet married or are not in a registered civil partnership. A registered civil partnership is laid down in the so-called civil partnership law.

For offspring who already over the age of 18 and are therefore of legal age, special provisions apply. The decisive factor here is the status of the professional career. Children are still covered by liability insurance even if they no longer live in the parents’ household and have their own apartment. The child must then do one of the following:

education
Vocational training adjacent to school education (within 12 months) – for example, further training measures, an apprenticeship or a course of study
Further second vocational training (within 12 months after the last training) – for example an apprenticeship or study)
Activity for the Federal Voluntary Service (BFD) – voluntary military service or voluntary social, ecological or cultural year – FSJ / FÖJ for short
Judicially ordered care for disabled children in their own household

What applies to children unable to torture?

According to German legislation is a Child only capable of torture from a certain age. This means that they can only be held liable for any damage caused after they reach the regulated age.

Is a Child under 7 years old, neither the child nor the legal guardian cannot be held liable for damage caused if the parents have fulfilled their duty of supervision. The same applies to damage in road traffic if a child has not yet reached the age of 10.

In addition, you can also be incapable of tort Children under 18 years be if they cannot understand the necessary sense of duty for the harmful act. There can only be exceptions to liability if the parents have violated their duty to supervise. In this case, the legal guardians can be made liable accordingly.

The benefits from private liability insurance cannot be used in the event of damage in the case of children who are unable to torture, since there is no compulsory claim for damages. Some insurance providers close them Benefits for children incapable of torture however, in order to avoid disputes with damaged friends or neighbors, for example. You can find out which providers are included in an insurance comparison.

Are guest children automatically insured??

As part of exchange programs Foreign guests, such as au pairs or exchange groups, visit domestic families. If visitors do not have their own private liability insurance, they can be covered by family insurance. Protection applies to many tariffs up to one year during the stay.

However Guest children are not always automatically insured. For this reason, you should register your guest child with the insurance company in advance. It is important to clarify whether the duration of the insurance cover is sufficient for the duration of the visit.

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