Liability Insurance (Haftpflichtversicherung)
DEVK Review (2026)
Best for: Those who want a trusted German insurer with highest coverage and local agent support
Setup fee
€0.00
Monthly fee
€3.89
Setup time
Apply online or through local agent; 1-3 business days
Languages
DE
Mobile app
Yes (3.8/5)
Key Features
- 140+ years of insurance experience
- Local agents in every major city for in-person service
- Coverage up to €75 million — highest among competitors
- Family plans available
- Pet damage included (dogs, horses extra)
- Claims handling via local agent — personal touch
Limitations
- German only — no English support
- App is basic compared to digital insurers
- Higher premiums than digital-first competitors
- Claims process slower than app-based insurers
- Website not the most modern
Pricing Plans
Komfort-Schutz
€3.89/month
€46.68/year
- €75M coverage — highest available
- Rental property damage
- Key loss included
- No deductible
- Worldwide coverage
- Family plan available (+€2/month)
Eligibility
Who can use DEVK?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | German address required |
| nationality: eu citizen | Accepted | — |
| visa type: student visa | Accepted | — |
| visa type: job seeker visa | Accepted | — |
| language: no german required | Not accepted | German required |
| credit check: schufa not required | Accepted | No SCHUFA needed |
About DEVK
DEVK is one of Germany's oldest and most trusted insurance companies, originally founded for railway employees. With over 4 million customers and local agents nationwide, they offer solid liability coverage with personal service.
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