The insurance can be taken out for an individual person or for the whole family. The family insurance protects the insurance holder as well as his/her family members as well as partially also other persons living in the same household. Who is covered in the family policy varies depending on the insurance company. Certain insurance companies limit the family insurance to children up to 18 years of age as well as to two adults living in the same household. Others insure any number of children without occupation living in the same household, even if they are older than 18 years of age.
In the traffic legal protection insurance, generally also other drivers of the vehicle belonging to the insurance holder are insured.