Your protection abroad – even without a German address
International Liability Insurance
- Unlimited international coverage
- No German residence required
- Valid worldwide and for an unlimited time
- Can be purchased from abroad
- No waiting period
- High coverage limits
Worry-free anywhere, protected everywhere.
Our “Simply Complete” liability insurance covers personal injury, property, and financial damages—even without a German address.
Start your international journey with complete peace of mind.
Information at a Glance
Benefits of the "Einfach Komplett" International Liability Insurance:
- Personal injury caused by persons capable of negligence
- Property and financial damages
- Rental damage to living spaces or privately rented rooms
- Premium-free excess coverage for up to 12 months
- Premium waiver in case of unemployment for up to 12 months
- Temporary worldwide stays abroad—unlimited duration
- Contractor's liability for non-owner-occupied risks up to €500,000 construction sum
- consequential damages from private key loss up to €5,000
- Selected self-employed commercial side activities up to €22,000 annual revenue
- Premium reduction for borrowed vehicles in motor liability and/or comprehensive coverage
- Cleaning and maintenance of borrowed vehicles
- Replacement value for damage to your own items up to €5,000 (& 20% for sustainable purchases)
- Damage to rented e-scooters up to €500
- Loss/theft of rented/borrowed bicycles/e-bikes up to €5,000
- Car-sharing: Assumes comprehensive deductible up to €250 / €500 for electric vehicles
What makes "Einfach Komplett" liability insurance special?
Many other liability policies only offer limited international coverage of 1–3 years. Coverage often ends once you deregister your German address. In contrast, “Simply Complete” provides unlimited international coverage, ideal even for long-term stays abroad.
Exclusive Special Terms
Take advantage of the exclusive conditions negotiated by DR-WALTER in partnership with Haftpflichtkasse—tailored for expats, digital nomads, and anyone living or traveling abroad long-term. Open to non-Germans too.
Through this close partnership, DR-WALTER delivers comprehensive protection at highly competitive rates. This customized solution ensures you’re safeguarded worldwide, so you can enjoy your time abroad worry-free.
Who is Haftpflichtkasse?
Haftpflichtkasse has stood for stability, service, and innovative products for over 120 years. Today, it insures around 1.6 million satisfied private and business customers across Germany. Specialists keep products aligned with new developments, backed by ongoing training, conferences, and workshops. This enabled their collaboration with DR-WALTER and DIA-Verein.
Haftpflichtkasse focuses on benefits customers actually need—no unnecessary clauses or overpriced add-ons, just fast, personal service.
Important Documents
General Information and Policy Conditions
Terms and Conditions
