Basic characteristics of private liability insurance products

General information

Private liability insurance provides protection to its holders should claims be made by third parties based on legal liability regulations. As stipulated by law, "those causing damage to others, either by mistake or upon intent, shall provide compensation". This means that your entire property and all assets are liable to be used for such compensatory purposes, which is why liability insurance is so important.

Insured individuals
Insurance may be bought for:

  • individuals
  • families


    • Each insurer has their own definition for these two categories (for instance, children no longer living in the same household or unmarried partners may be included to insurance only under certain circumstances or not at all). This is why details are listed separately for each provider.

    What kind of coverage
    Private liability insurance covers current values.

    Where is one insured?
    Private liability insurance provides worldwide coverage. Any limitations are listed separately for each provider.

    What is covered by insurance
    According to law, coverage must be provided for:
  • material damage and bodily injury,
  • costs which arise due to preventative measures and
  • damage to assets caused by insured material damage and bodily injury.


    • Complementary coverage:
    Varies depending on the provider.

    Coverage limits:
    Possible limits are listed separately for each provider.

    Insured costs
  • Expert costs
  • Costs for legal representation
  • Court costs
  • Indemnity to third parties
  • Costs for preventative measures


    • Conditions for driving motor vehicles other than your own
    This may be important for those who occasionally borrow a friend's vehicle. Some providers offer some coverage in their basic insurance while others may not. This is why details are listed separately for each insurer.

    What about real estate
    Generally speaking, homeowner liability insurance provides coverage for owners of the property thy live in. However, each insurer provides different coverage, which is listed separately for each one. It usually includes coverage for damage caused by tank systems.

    Not covered by insurance
  • Damage to insured individual or a household member.
  • Damage resulting from the execution of profession or official duties.
  • Material damage caused by wear and tear or gradual depreciation.
  • Predictable damage or if its occurrence must be taken into account.
  • Damage resulting from spreading contagious diseases.
  • Damage resulting from a crime or deliberate offence.
  • Damage stipulated by contractual liability.


    • What can be included to insurance?
    Most providers offer the following additions to insurance:
  • Damage to motor vehicles borrowed on an occasional basis.
  • Damage to horses when rented out, lent or entrusted to third parties.
  • Damage caused as a hunter, armed hunting accompaniment, hunting warden, head of hunting team or when participating in hunting events.
  • Damage occurring when executing the profession of a schoolteacher, sports or ski instructor or mountain guide.
  • Damage caused by paragliding, parachuting, delta sailing and hanggliding.
  • Liability insurance for mopeds (with up to 49 ccms).


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