Liability insurance students - all information

Liability insurance is also important for students to protect themselves from the financial consequences of claims for damages. However, many students do not have to take out their own insurance, but can continue to be insured with their parents. You can read about the requirements for this here.

In these cases, students need liability insurance

Private liability insurance is one of the most important types of insurance, as it protects the insured against claims for damages arising from property damage, personal injury and financial loss. Students also need such liability insurance, but do not always have to take it out themselves. Instead, it is possible under certain conditions to remain insured in the liability insurance of the parents.

1. If your studies are first studies, the continued insurance in the family insurance of parents is possible.
2. With some insurers there is the possibility of co-insurance, but only up to an age limit of 25 years. Have you exceeded this, the conclusion of a separate insurance is necessary.
3. In many insurers also plays a role in the student's place of residence. Do you no longer live with your parents, but in your own apartment, this is often an exclusion criterion.
4. This also applies if you get married. From the time of the wedding, you can no longer remain family insured, but need your own private liability.

This costs liability insurance for students

If continued membership in the liability insurance of parents is not possible, it is advisable to take out your own insurance as soon as possible. Depending on the insurer and the scope of services in terms of coverage and deductible, you can get a private liability insurance for under 3 euros a month.