Liability Insurance (Haftpflichtversicherung)
Haftpflicht Helden Review (2026)
Best for: German-speaking budget hunters who want the absolute lowest premium
Setup fee
€0.00
Monthly fee
€2.89
Setup time
Online sign-up in 5 minutes; coverage confirmation within 1 day
Languages
DE
Mobile app
No
Key Features
- Cheapest liability insurance in Germany from €2.89/month
- Coverage up to €50 million
- Online sign-up in minutes
- Rental property damage covered
- Key loss included in higher tiers
- Annual payment option for additional savings
Limitations
- German only — no English support or website
- No mobile app
- Claims process via email/phone only (German)
- Less well-known brand
- Basic plan excludes key loss and some extras
Pricing Plans
Basis
€2.89/month
€34.68/year
- €50M coverage
- Personal liability
- Rental property damage
- €150 deductible
Komfort
€4.49/month
€53.88/year
- Everything in Basis
- Key loss up to €20,000
- No deductible
- Borrowed items covered
- Internet damage
Eligibility
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 |
About Haftpflicht Helden
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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