Know the insurance, which hides surprises most of us the General characteristics of the personal liability insurance and know what you need such insurance. But who pays attention to the fine print, will soon discover, that some things are not insured, though you may believe it. For example did you know that your private liability insurance provides you on the hats of strange dogs or riding of foreign horses? that accidents are covered in or with your canoe or rowboat in the context of the personal liability insurance? that your overseas item retention are insured up to a year by this insurance (contact your insurance institution for longer stays) On the other hand you didn’t know probably in the private liability insurance, that purely contractual obligations (for example, the claims on repayment of loans) can not be assured. that you are not entitled to refund of your money penalties or fines. that damage, you through persons with equivalent insurance have undergone, are also not available. On the other hand you may quite a few supplementary cover agree with your insurer, but only with more premium. For example, these include: rental damage to rented objects (not just unimportant, if you go on holiday.

This cover is valid abroad, by the way). Damage caused by persons living in the same home community, cover the risk of loss of keys not be some features also insured, can this be but by the conclusion of separate policies. This applies, for example, for: all occupational risks damage, through the own animals the owner caused (dogs, horses or animals, which are held within the framework of an agricultural activity) of apartment buildings (through the home and property owners liability). Knew also that you stick with your total assets in the event of a claim and that may even on your future Assets claimed. that party that caused the damage with his entire assets shall be liable, if the agreed insured sum is not sufficient (it recommends a coverage for injury and property damage in the amount of flat-rate minimum for special cost game-damage such as personal injury 5 million euro). Finally one more thing: the insurer does not make it easy for the insured: A personal liability insurance is like no other. Comparisons are so extremely difficult. Therefore it is advisable to read the policies carefully (or to entrust a professional right the whole thing) and ensure that any shortfalls and additional coverage. C. Mikosch