Your advantages in private liability insurance with FRIDAY
Focus, Balance, Relax: Insurance coverage that adapts to you
Choose your individual protection from the Focus, Balance or Relax packages. With the Relax premium package, you can rely on the best possible protection. Simply relaxing.
Stay flexible with daily cancellation option
Who knows what tomorrow will bring? That's why you can cancel your FRIDAY private liability insurance on a daily basis. So your insurance adapts flexibly to your needs.
Including protection for loss of keys
Losing your personal or work keys can become really expensive. Usually, the entire locking system needs to be replaced. We will cover these costs in case you lost your keys.
Private liability insurance (aka personal liability) simplified
Your protection against financial losses
A private liability insurance (aka personal liabilty insurance) is important to protect yourself from significant costs, because in a single moment of inattention you could cause a substantial harm to a person or their belongings.
Private liability covers any bodily injury or object damages that you cause to a third-party and that you are held legally responsible for. According to the German law (§ 823 of the BGB), you are personally liable for any damages caused by negligence on your part. Therefore, a private liability insurance is important for everyone, as accidents can occur at any time and lead to huge costs. Especially, if you accidentally injure one or more people, the claim for damages can run into the millions. Private liability insurance covers these costs up to the agreed insurance sum.
Individual protection
Choose between three packages with FRIDAY's liability insurance
FRIDAY's private liability insurance you can choose between three different insurance packages. FRIDAY Focus package provides you with an extensive basic coverage. If you want even more relaxation in your everyday life, then choose FRIDAY Balance or the premium package FRIDAY Relax. They offer extended benefits and even more peace-of-mind.
Relax
- Insurance coverage amount of up to 50 million €
- Includes Best Performance Guarantee: So you can be sure that your FRIDAY insurance is always at least as strong as any other competitor
- Insurance coverage during Work and Travel stays
- Includes claim waiver coverage without minimum damage amount
- Protection against personal and name rights violations
Why do I need a private liability insurance?
Your affordable protection against highly consequential costs
Life circumstances require a personalized approach to liability insurance. At FRIDAY, we have taken this into account in our three different packages with specialized coverages, so that you are always adequately insured.
Private liability insurance for students
- It’s important for students to have liability insurance, not only health insurance.
- It can help out when something happens while you’re on the road, sitting at home, playing sports, or even just having fun traveling.
- It applies – for example – even when performing lab work at university, or while babysitting part-time.
Private liability insurance for the whole family
- With FRIDAY's private liability insurance, you can also insure your family. In fact, your children are even insured until the end of their higher education / apprenticeship (though only their first one).
- Includes insurance coverage during voluntary service or 1-year waiting period for education/study place
- If your family is insured with the Relax package, this also applies to grandparents in a nursing home
- Protection is also required online today. If, for example, a forwarded virus causes financial damage, your liability insurance will cover the costs.
Private liability insurance for renters
- Damage to rented rooms or apartments, known as tenant damage, is covered in all three packages.
- Not every damage occurs suddenly, sometimes it happens gradually over a long period of time. That's why gradual damage is also insured with FRIDAY's liability insurance.
- Additional protection against damage to the furniture in vacation homes (e.g. Airbnbs) is provided by the Balance and Relax packages.
Private liability insurance for seniors
- Accidents involving property or personal damage can easily occur, for example due to a decreased reaction time, especially into advanced age. That's why a private liability insurance is useful for retirees.
- If you or a parent are living in a nursing home, a private liability insurance is worth it to prevent financial loss, if any damage occurs there.
Liability insurance for pet owners
- Pets such as cats, hamsters or guinea pigs are covered by FRIDAY.
- Furthermore, damages caused by animals such as spiders, scorpions or guide dogs are also included in the FRIDAY Relax package.
Comprehensive coverage for property owners
- Our liability insurance covers you inside your own home, in all three packages.
- However, if there are additional families who live with yours inside your home, then the Relax package is the one that encompasses that scenario.
- FRIDAY covers any sort of accidental damage caused to another third party by anything on your property, such as solar panels, air/water/heating systems, or oil/liquid gas tanks.
Reliable partner by your side
What kinds of damage are covered by a private liability insurance?
Essentially, a private liability insurance covers financial losses caused by personal injuries, property damage or financial losses. These examples demonstrate why private liability insurance is worthwhile.
Bicycle accident
Let's say you collide with a pedestrian while riding your bicycle. The pedestrian falls and suffers serious injuries. Her health insurance company then bills you for the costs incurred by her hospital stay and treatment.
Property damage
Let's say the injured pedestrian is unable to work for a month due to the bicycle accident. Despite this, her employer continues to pay her salary. Since you are liable for the employee's absence, her employer can claim compensation from you regarding the salary expenses.
Rental damages
Let's say you are careless while cooking in your rented apartment, causing a fire. The fire quickly spreads and damages not only your own rented apartment but also other apartments in the multi-family bulding. As a result, there is significant damage to both the building and also to the belongings of other residents, for which you are responsible.
Damage caused by your drone
Exploring the world from a different perspective with a private drone in your leisure time is fun. If the device makes an unintended landing on your neighbor's car's windshield, the liability insurance covers the cost of the repair. Drones are insured in the Focus or Balance package up to a weight of 250 g, and in the FRIDAY Relax package up to a weight of 5 kg.
Damage abroad
Accidents can also happen on vacation or during a stay abroad. That’s why FRIDAY’s private liability insurance is also valid abroad (with either the Balance or Relax packages). For example, if you knock over a standing lamp in your vacation home and it breaks, you can calmly rely on having worldwide liability insurance.
Claims default coverage
Even though private liability insurance is one of the most important insurance policies, not everyone has this coverage. If you are damaged by third parties who are unable to pay you compensation, the claims default coverage comes into play. It ensures that you receive the money you are entitled to and don't have to bear the loss.
Enhance your protection with our rental car add-on
When it comes to rental cars, have you either refueled it incorrectly, lost the keys on the beach, or caused scratches while reversing? Mishaps can occur with unfamiliar vehicles. That's why you can add rental car coverage to your private liability insurance from FRIDAY.
Rental car insurance
- This covers a range of scenarios, such as rental cars, car-sharing, and even casually borrowed cars (e.g. from a friend).
- We will reimburse any deductible that you might owe (as charged by the rental car company) if your rental vehicle is damaged or stolen during the period of insurance coverage.
- FRIDAY covers any costs incurred from incorrectly refueling a rental car, up to 3,000 €
- FRIDAY covers any costs incurred from the loss of rental car keys, up to 3,000 €
At FRIDAY, you can Relax
Satisfaction
Over 100,000 customers are insured with FRIDAY.
Experience
FRIDAY is part of the Baloise Group. The Swiss Baloise has over 150 years of experience in the insurance market.
Flexibility
You can view and manage your contract easily through our MyFRIDAY customer portal.
FAQs - More information on private liability insurance
Who can benefit from a private liability insurance policy?
According to the German law (§ 823 of the BGB), you are personally liable for any damages caused by negligence on your part. Therefore, a private liability insurance is important for everyone, as accidents can occur at any time and lead to huge costs, especially if personal injury is involved. The amount of compensation claims can even reach into the millions. Private liability insurance covers these costs up to the agreed insurance sum. At FRIDAY, the insurance sum in the "Focus" package is 10 million euros, in the "Balance" package it is 20 million euros, and in the premium "Relax" package it is even 50 million euros.
Which pets are not insured under private liability insurance?
Dogs (excluding guide dogs) and horses are not included under FRIDAY's private liability insurance. For damages and compensation claims (on behalf of third parties) caused by your dog or horse, you need a separate dog liability insurance or horse liability insurance.
Does private liability insurance cover damages to myself, that were actually caused by me?
Private liability insurance only covers legal liability. And since you cannot generally make liability claims against yourself, FRIDAY therefore does not pay if you accidentally damage your own property.
What should be considered when it comes to the claim default coverage within private liability insurance?
The claim default coverage protects you in case you suffer a loss, yet the person responsible cannot pay for the damage. That's when we step in. Note that the same conditions as per your existing contract would then apply to the settlement.
The following damages are covered:
- Damages caused intentionally by the person responsible
- Damages arising from a privately-owned animal – such as a dog, horse, or other riding / working animals – when owned by a third party individual
- Damages arising from a motored vehicle, which is owned / kept / driven by a third party individual
Risks and exclusions that also apply to you in FRIDAY's private liability insurance are not covered. This includes, in particular, damages caused in the context of a professional or commercial activity.
Are damages caused by your car covered by private liability insurance?
Damages caused by you as an owner (or even just as a driver) of a motor vehicle or trailer is not covered by private liability insurance. For this you need a car liability insurance.
However, in the Relax package, the following damages are covered in relation to your car:
- Damage to third parties during loading and unloading, up to a maximum of 10,000 €
- Damage to third parties during cleaning work on the car, up to a maximum of 10,000 €
- Damage to third parties caused by when a passenger in your car opens the car door, up to a maximum of 10,000 €