- In a new rating for private liability insurance 273 tariffs for families, couples and singles are put through their paces.
- The services were particularly important because they can vary between the different groups.
- With an individual comparison interested find a private liability, which offers comprehensive benefits and at the same time is favorable.
It does not matter if a friend’s expensive cell phone falls down or if his burned toaster sets fire to the entire tenement – the perpetrator must pay for any damage caused by other people. Without a hedge, this can be expensive, especially if someone is injured. So an accident can quickly lead to costs in the millions.
Insured persons can remedy the situation with a liability insurance. Because she jumps for the damage. Choosing a suitable insurance is often difficult for hundreds of fares. Although many offers are cheap. But to find the best liability insurance for 2018, interested should pay attention to more than just the price . In addition, not every tariff is suitable for all customers. A current rating from WirtschaftsWoche in collaboration with Morgen & Morgen examines which insurers convince families, couples and singles.
Best liability insurance for 2018: The benefits must be right
For the WirtschaftsWoche the analysis house Morgen & Morgen has reviewed a total of 273 offers for private liability insurance. Tariffs were studied for couples and singles of different age groups (30 and 50 years each) and families (30 years). Overall, the testers have examined the insurance based on 42 criteria.
In the search for the best liability insurance for 2018, it was particularly important that the insurer at least up to a loss of five million euros intervenes and also the sample conditions of the Association of the German insurance industry corresponds. Among other things, this includes the provision that the insurer pays for property, personal and financial losses in the private sector and covers them within two weeks as soon as it is established that the insured is obliged to pay compensation.
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Best liability insurance: In 2018, there are ten top fares for families
In addition to the general criteria, some special services played a role, which are important for the individual sample customers in the selection of the best liability insurance for 2018. For example, the family offers have examined whether the insurer will pay for damages caused to children under the age of seven . They are considered to be unable to act and can not be held liable. The same applies to their parents, provided that they have not violated their duty to supervise.
The insurer should still pay so that the injured party does not remain on the damage himself. Only rates that meet this condition could get the best overall rating of five stars in the liability insurance test.
For families, these ten rates reach the best rating: