Product Overview

Privathaftpflicht (1 YEAR) / Private Liability – Luko


Luko is a German insurance from Berlin with a completely digital sign-up process. It offers a very simple and flexible private liability insurance with no paperwork. Luko offers one standard plan with a premium plan coming soon. It is supervised by the German Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin) and member of GDV (Gesamtverband der Deutschen Versicherungswirtschaft e.V.)

The key benefits of Luko are:

  • No deductible (in the case of a claim you do not have to pay anything)
  • Worldwide coverage
  • €10 million coverage (soon €50 million in the premium plan)
  • Completely digital, no paperwork
  • Sign up online within a couple of minutes
  • Easy payment with credit card or SEPA debit
  • Flexible contract: You can cancel any day and you will be reimbursed for the remaining days
Damage Coverage

€10 million – €50 million

Back to Private Liability Overview


How to book your insurance

To get a policy quote from Luko, just follow the simple web interface and answer 3-4 questions. The great advantage: It is completely in English, so no need to use a German dictionary. Once you answered the questions, check the coverage of the policy and click on “Buy Now”. You can complete the purchase online in a couple of minutes. Everything is fully digital, so no paperwork or sending in a contract via physical mail.


The key benefit of Luko is that you only answer a few questions and get your quote right away which does not have any deductible. The standard plan only covers yourself (no children), but the premium plan covering €50 million in damages and children living at home will be launched soon. Until then, all plans will be 3.14€ per month and you can cancel any time and will be reimbursed for the remaining days of the policy. If you pay for the whole year in advance it will cost you €34.68. You can pay online by SEPA Debit or Credit Card.


Luko covers the standard daily risks that you want to stop thinking about:

This includes: Up to €10 million in damages to others (third parties) caused by you. Such as:

  • Loss of keys: your rented apartment’s keys or your employer’s key code cards up to €15,000
  • Damage to your rented flat, e.g. water damage or stains
  • Damages caused by unpaid favours (e.g. helping friends move) up to €1,000
  • Damage caused by the electronic transmission data (internet insurance) up to €300,000

Limitations: In these cases there are limits in regards to what Luko will pay. For example:

  • Accidents caused by your vehicle are not included (get a regular car insurance in addition)
  • Liability for your dog or horse is not included (get a Tierhalterhaftplfichtversicherung)
  • If you are looking for a pet liability or pet health insurance, read our overview about pet insurances in Germany
  • Wild animals (like snakes) are not included
  • The cost takeover for claims of damages caused outside the EU is limited to 1 year, so cancel it if you have planned a longer trip to a different part of the world

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