Best for: German-speaking budget hunters who want the absolute lowest premium
Setup fee
Free
Monthly fee
€6.92
Setup time
Online sign-up in 5 minutes; coverage confirmation within 1 day
Languages
DE
Mobile app
No
€2.89/mo
€34.68/year
€4.49/mo
€53.88/year
Who can use Haftpflicht Helden?
| Requirement | Status | Notes |
|---|---|---|
| nationality: non eu | Accepted | All nationalities, but German required for application |
| 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 |
Haftpflicht Helden (Liability Heroes) is a digital insurance brand offering some of the cheapest liability coverage in Germany. Starting from €2.89/month, they're the budget champion. However, support is German-only.
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