Guide: Important private liability insurance for students and trainees (max. 86 characters)

Guide: Important private liability insurance for students and trainees (max. 86 characters)

Young adults, whether starting their studies, during their ongoing studies or during training, should carefully ensure that they have the correct insurance cover. An essential insurance that trainees in particular should not do without is private liability insurance. This form of insurance protects against the financial consequences of damage that may arise from your own misconduct or carelessness.

While young adults are often still covered by their parents' private liability insurance, according to Stiftung Warentest, this usually only applies to unmarried trainees, even if they already live in their own apartment. It is therefore advisable to check the insurance documents carefully or ask the insurance company or broker directly to ensure that the insurance cover is sufficient.

Young people are already offered very good rates for private liability insurance, which are already less than 50 euros per year. However, it is important to ensure that there is an appropriate level of coverage that covers both property damage and personal injury at a flat rate of at least ten million euros. Since the amount of damage in this area can increase quickly, adequate insurance is essential.