Product Overview

Privathaftpflicht (1 YEAR) / Private Liability – Gothaer


Gothaer is a well-known insurance provider, which also provides a fully digital way of booking your insurance. You can get covered the next day by just following the online step-by-step tutorial while selecting your preferred plan. The Gothaer private liability insurance (Privathaftpflicht) covers the following:

  • Private liability damages
  • Lost keys (from a third party)
  • Loss of receivables (the person who damaged your belongings does not have an insurance)
  • Damages incurred during voluntary work
  • All-time coverage in all of Europe / world-wide coverage up to 3 years
  • Damages in your rented apartment
  • Optional: Borrowed or rented items
  • Optional: House guests, Family members, life partner, spouse and children
Damage Coverage

€10 million – €50 million

Back to Private Liability Overview


How to book your insurance

In order to book the insurance plan you need, just follow the instructions online.  You need to provide your name, e-mail address, date of birth, and how many liability cases you had in the past 3 years. You can then select your deductible and when you want the insurance to come into effect.


Gothaer’s standard private liability insurance rate is 2,63€ per month, which amounts to €31,58 per year. This standard plan covers a maximum damage amount of €10 million and has a deductible of 150€ per liability case.

You can decide how much of a deductible you would prefer, which affects the monthly fee for the insurance:

No Deductible (0.00€) – 4,40€/month | 53,00€/year

Deductible of 150€ – 2,63€/month | 31,58€/year


You can also decide to choose a plan with a higher maximum damage coverage of €20 million or €50 million, which will affect your monthly fees.


See the full list here