Haftpflichtversicherung for short term stay

[quackquack 2]

Hi all,

 

Yes, I'm another non-German person just getting wise to Haftpflichtversicherung.

 

I'm currently subletting for 6 weeks and about to move elsewhere (in 5 days!) to do the same but the new landlord requires this insurance.

 

After reading all the useful stuff here I have investigated Check24.de to make comparisons, found a suitable product and then came up against the fact I both need a German bank account and to be registered with the authorities. I would prefer not to bother in either case and anyway, assume they would take longer than the two working days I will have to take effect.

 

Any ideas, e.g. specialist insurance providers??

 

PS not covered by any relevant UK insurance.

[Boots 1,930]

You might be better off finding a personal liability insurance in your permanent residence that covers you when you're abroad. Most policies are sold on an annual basis anyway.

[YorkshireLad6 7,152]

I'd also expect your landlord t expect you to register your residence. It's a condition of most rental contracts.

[quackquack 2]

Thanks for replies to date: I allowed my (rented) UK household insurance to lapse, coinciding with this visit (my stuff is in storage with a UK relative), so that's closed off unless I set up new insurance. Also the travel insurance I have seen at least restricts cover to 30 days abroad in any one stretch as standard, so might be the same vis a vis liability overseas - however I will next look into any standalone liability insurance offers that don't have this limit (although I imagine the standard things covered in a UK policy would differ from those covered in a German one).

 

Regards the contractual requirement to be registered - that's certainly not in the next contract - maybe it's an assumption legally or conventionally speaking? In fact, if it's legal, where is the line on registration drawn - how short must a holiday be for example, to evade the need to register?

 

Bring on EU harmonisation is what I say!

[YorkshireLad6 7,152]

If you stay in Germany for more than 3 months, or you expect to stay in Germany for more than 3 months, then you are required to register. Some rental contracts have a clause that you must register the address within 7 days of moving in.

[btaior 0]

I am in more or less in the same situation, I will move to Germany in a few weeks time, for slightly more than 3 months.

 

The landlady I am renting the flat from asked me for this "Haftpflichtversicherung". She suggested me a website (HanseMerkur), but when I tried to apply I found out I needed a German bank account. I pm them and they confirmed that I cannot apply for such an insurance.

 

Does any of you know how a foreigner can apply for this liability insurance before actually moving to Germany, or you think it is easier to directly apply when in Germany?

 

Thank you! :)

[quackquack 2]

Hi - in case this helps anyone, in the end I found a UK travel insurance provider that whilst not the cheapest option both allows me to apply whilst abroad and allows me to choose a longer duration away from where I am registered as living (i.e. the UK) than the standard 30 days, both important considerations for my situation. The thing about (most) travel insurance, including this one, is that it has a personal liability (i.e. Haftpflichtversicherung) clause which satisfied my new landlady (plus some legal expenses cover). However, there are probably some significant differences to domestic German insurance in terms of subclauses. Not ideal but as I said, not registering as a resident here and not setting up a bank account so literally can't take out a German policy. Here's the insurance provider I used: http://www.truetraveller.com/