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4 personal liability additional benefits you should pay attention to

4 personal liability additional benefits you should pay attention to

4 personal liability additional benefits you should pay attention to

Personal liability insurance (PHV) with a solid basic protection are already available for a small amount of money. Due to the high competitive pressure, many insurers are increasingly offering private liability additional benefits for which they are not liable under statutory provisions. Nevertheless, it can be unpleasant to harm others, even if you do not have to adhere to it.

Therefore, it is worth taking a look at these additional services. Which should you consider when choosing the appropriate private liability?

Damages caused by children who are unable to cope

Children under 7 are not responsible for any damage they cause. Even her parents are not liable unless they have violated their duty to supervise. For example, if a child damages a neighbor’s new car, it will cause serious damage. To maintain neighborhood peace, good rates offer the opportunity to regulate this damage.

Damage due to courtesy

Among friends or neighbors one helps oneself gladly, for example with the move. If it comes to a mishap, a tacit liability waiver is assumed. Anyone who has caused a slight negligence does not have to be liable for it. The injuring party feels often but morally obliged to pay for its clumsiness. At his request, the private liability regulates the damage, provided that acts of favor are insured.

With professional key loss

If an insured person loses his company’s keys, it can be expensive – especially when a large company is involved. If a master key provides access to many rooms or parts of operations, often all locks need to be replaced. Sometimes emergency locks and / or additional security services are required. If the occupational key loss is insured, the insurer covers the damage, usually within the limits of maximum amounts.

Cover for credit default

Existence can also be threatened if the insured person himself falls victim to damage. If the party responsible for the loss does not have adequate insurance cover and is unable to pay for the damage, then the default on bad debts takes effect. It then makes up to the extent of your own personal liability insurance.

Further information can be found in our rating, which we have developed for PHV . We rely exclusively on our own analyzes and have 383 tariffs under the magnifying glass and provide reliable assessments of the actual performance of a tariff.

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