Fintiba Liability Insurance:
Liability insurance protects you against damage you cause to third parties

 Covers personal or object-related damages up to 5 million €
 Includes key loss
 Covers damages to your apartment
 Protection against unjustified claims

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What is private liability insurance? 

Sometimes it happens very quickly: A small mistake is enough to cause a huge financial burden. Because in Germany, anyone who causes damage to third parties is liable with all their private assets. With Fintiba Liability Insurance, you can protect yourself against this financial risk. 

Germany’s most popular insurance

Liability insurance is one of the most popular and important voluntary insurances in Germany. This is because if you accidentally damage another person’s property or injure someone in everyday life, you are liable with all your private assets.

If you, for example, destroy your friend’s smartphone or – even worse – cause personal damage with possible hospitalisation by accident, you will be held liable as the party responsible for the damage.

This can result in you having to pay an unlimited amount for the damage with your private assets since you must repair or even replace damaged objects. Furthermore, you would also have to reimburse the party for all expenses incurred as a result of the damage, including medication and treatment costs.

Protect yourself with Fintiba liability insurance 

Damages caused to third parties are covered by private liability insurance up to the agreed sum insured. At the same time, liability insurance does not only cover damages but also defends you against unjustified claims, for example, if you are wrongly accused.

What are the advantages of Fintiba liability insurance? 

For only € 55.00 per year you can protect yourself against damage you cause to others.

  • Insurance starts with the first day of your stay
  • Payment only once you arrive in Germany
  • The contract is automatically cancelled when you don’t come to Germany
  • Damages to rental objects are covered
  • When it’s time, we’ll remind you to renew or cancel the contract
  • The loss of your keys is insured

    This is especially important if you live in student accommodation, where replacing keys and locks can quickly become very expensive.

How does liability insurance work?

1) Occurrence of damage

2) Report the damage to the insurer

3) Wait for the confirmation of the insurer

4) Restore or replace damaged object

5) Send the repair bill to the insurer

6) Damage amount will be refunded

What does our private liability insurance cover? 

Object Covered sum
Insured Sum € 5 m
Insured sum for rental damages € 1 m
Insured sum for loss of keys € 100 k
Protection against unjustified claims Yes

Detailed information about the Fintiba Liability Insurance

Everything you need to know when registering for liability insurance with Fintiba

Whenever you cause damage that is subject to liability insurance, please follow the steps below:

  1. Immediately report the damage to
  2. You and the damaged party will then receive a questionnaire that has to be filled in from both sides and be sent back to ias.
  3. Once both reports arrived at ias, your request will be reviewed.
  4. If the case was accepted, the damaged party will be paid against submission of the repair invoice, always considering the deductible.
Liability insurance is issued by the Sparkassen-Versicherung Sachsen in cooperation with the insurance underwriting agency ias – Internationale Assekuranz Service GmbH