Personal liability insurance: How to properly insure your children


Munich (OTS)

  • Insurance for children unable to commit a crime costs an average of six euros more
  • Private liability insurance protects against financial damage in the event of damage
  • YouGov survey: One in five people does not have private liability insurance

Parents are not responsible for harm caused to a child who is ineligible to commit a crime. Children under the age of seven are incapable of committing a crime, and this applies to children under the age of ten in road traffic. Parents must only pay damages if they violate the duty of supervision. This means that the affected parties – often relatives or acquaintances – are left in doubt. If consumers insure incapable of harm children in private liability insurance (PHV), this pays, even if there is no legal liability claim.

Protection for children who are unable to commit a crime is available to a public health vet for an average of an additional six euros. 1) A family with two children can get good private liability insurance for just under 40€ per year, which includes this protection. 2)

“Parents with young children should check their liability insurance to see if it also covers children who are incapable of committing crimes.”says Lorenz Baker, managing director of personal liability insurance at CHECK24. “The tariff unit is not expensive and protects against conflicts with friends or relatives in case of a claim.”

YouGov survey: One in five people does not have private liability insurance

Private liability insurance protects against financial damage in the event of negligence. Anyone who causes harm to others shall be liable to an unlimited extent with all of their assets.

However, every fifth person does not have this basic insurance protection. This was the result of a representative survey conducted by YouGov on behalf of CHECK24. The question “Do you have private liability insurance?” 75.6 percent answered “yes”. Nearly 20 percent answered “no” and about 5 percent did not know or did not want to provide any information. 3)

Customer service: free consultation and contract management in the customer’s digital account

If you have any questions about personal liability insurance, CHECK24 insurance experts will advise you in person by phone, chat or email. In addition, CHECK24 customers are supported around the clock by our chatbot on many service matters. In their Personal Insurance Center, clients manage their insurance contracts – no matter who they contract with. You can take advantage of automatic rate and service checks and you can easily improve your insurance coverage and save at the same time.


2)Family Profile: Policy holder aged 45 and spouse plus two children (seven and four), living to rent in 10117 Berlin, minimum coverage €20 million, non-deductible, with bad debts covered, courtesy compensation, annual payments, non-deductible children Also able to insure against damage, key damage (private and professional foreign keys)

3)Source: YouGov. The data used is based on an online survey conducted by YouGov Deutschland GmbH on behalf of CHECK24, with 2,145 respondents participating between 28.1. And 31.1.222 participated. The results are weighted and representative of the German population aged 18 years and over.


CHECK24 is the largest comparison portal in Germany. Free online comparison between several providers creates consistent transparency and often customers save several hundred euros by switching. You can choose from more than 300 car insurance tariffs, more than 1,000 electricity and 850 gas providers, more than 300 banks and credit brokers, more than 350 telecom providers for DSL and mobile connections, and more than 10,000 electronics and commodity stores Home & Tires, Over 300 Car Rental Companies, Over 1,000,000 Accommodation Providers, Over 700 Airlines & Over 75 Tour Operators. Use of the CHECK24 comparison calculator and personalized customer advice seven days a week is free for consumers. CHECK24 receives a bonus from service providers.

CHECK24 supports EU quality standards for comparison portals

Consumer protection is CHECK24’s top priority. CHECK24 is therefore actively involved in enforcing uniform European quality standards for comparison portals. The EU Commission’s “Basic Principles for Comparison Tools” list of principles contains nine recommendations for objectivity and transparency, which CHECK24 meets on all points – including ratings, market coverage, data currency, customer reviews, usability and customer service.

Media contact:

Maria Trottner, Public Relations, Tel: +49 89 2000 47 1174,

Daniel Friedheim, Director of Public Relations, Tel: +49 89 2000 47 1170,

Original content from: CHECK24 GmbH, transmitted by aktuell news

Leave a Comment