Steps to Request Liability Insurance #
If you need to set up a liability insurance contract with our partner, follow these steps through the myKUMMUNI app:
- Open the myKUMMUNI App:
Begin by opening the myKUMMUNI app on your device. Log in with your account credentials. - Navigate to Your Account (Profile):
Once logged in, go to your account or profile section within the app. - Choose Liability Insurance:
Select the “Liability Insurance” option from the menu. - Select “Make a New Contract”:
Click on “Make a New Contract” to start the process of setting up your liability insurance. - Follow the Instructions:
Carefully follow the provided instructions to complete your insurance application. Make sure to review all details before finalizing your request.
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Types of Coverage Available #
Our insurance partner offers two types of liability coverage:
- Single Person Coverage:
This coverage is tailored for individuals who need personal liability insurance. - Multiple Person Coverage:
This option allows you to extend coverage to include friends or family members, providing broader protection under one policy.
Important Notes #
- Annual Pricing:
The prices mentioned for both types of coverage are based on an annual period. The contract will automatically renew each year unless you choose to cancel it. - Requirement for New Tenants:
If you are a new tenant with KUMMUNI and have not yet received a contract number or opened a bank account in Germany, you are required to provide proof of liability insurance within one month of your rental agreement’s start date.
Why Liability Insurance Is Important in Germany #
Liability insurance, known as Haftpflichtversicherung in Germany, is a crucial form of coverage that protects you from financial claims if you accidentally cause damage to someone else’s property or injure another person. Here’s why it’s important:
- Legal Requirements:
While liability insurance is not legally mandatory in Germany, it is highly recommended. Many landlords and rental agreements strongly encourage or require tenants to have this insurance as a safeguard. - Financial Protection:
Accidents happen, and liability insurance ensures that you won’t be left with a significant financial burden if you’re held responsible for damages or injuries. This can include anything from accidentally damaging a neighbor’s property to causing a minor injury during an everyday activity. - Peace of Mind:
Having liability insurance provides peace of mind, knowing that you are protected against unexpected costs that could arise from accidents or unintentional harm.
By securing liability insurance, you not only protect yourself but also comply with the expectations of living responsibly in Germany. If you have any further questions or need assistance with the insurance process, please contact our support team.
