As of: February 12, 2024, 4:00 p.m
By: Marco Blanco Ucles
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Private liability insurance for couples offers many advantages.
However, there is a catch - and you should be prepared for it.
A mishap can happen quickly: Be it a friend's cell phone, an expensive laptop or another high-value item that is accidentally destroyed while moving: Liability insurance, without which you risk high fines on the ski slopes in Italy, is extremely important for you. in order to be financially secure in the worst case scenario and not have to pay for the damage.
Especially in times of high energy prices and rising inflation.
Liability insurance: Spouses or life partners can also be insured
Bicycle accident with your spouse or partner?
This can be expensive despite shared private liability insurance.
© Photo booth/IMAGO
So-called family tariffs are extremely practical when it comes to liability insurance, which, according to
Stiftung
Warentest
, is often worth changing.
Spouses and partners who live in a marriage-like relationship can be insured in an insurance contract.
“The prerequisite is that the spouse or unmarried partner lives in the same household as the policyholder and is also named as the policyholder in the insurance contract for liability insurance,” explains
finanzprofit
.
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However, things get complicated if one of the two partners causes damage to the other through a stupid coincidence - such as a bicycle accident that is clearly the fault of one of the two people.
Even if the injured partner does not normally assert liability claims against the other partner, things could still become uncomfortable for them.
It may well be that the injured person's health insurance company has to cover the treatment and for this reason wants to get the money back from the person who caused it.
In this case, the person responsible is only protected if their private liability insurance covers recourse claims from social insurance providers.
In this case, both partners are protected, explains
Finanztip
News
.
This is particularly important for unmarried couples, as social insurance providers usually waive recourse claims for married couples.
A quick look at the insurance systems could save a lot of additional costs in an emergency, it's worth it.