Asigurarea privata de raspundere civila (Privathaftpflichtversicherung)

 

Asigurarile sunt la mare pret in Germania. Si la propriu, si la figurat. Este o normalitate sa te asiguri, dar asta inseamna cheltuieli, uneori chiar ridicate. Iata, insa, o polita ieftina si foarte importanta: asigurarea privata de raspundere civila (Privathaftpflichtversicherung).

Majoritatea populatiei Germaniei are o astfel de asigurare pentru ca legea nu prevede o limita a valorii daunelor care ar trebui acoperite de partea vinovata in urma producerii unui accident. Fara aceasta, se poate ajunge in situatia de a plati mii sau milioane de euro pentru o dauna provocata, de exemplu, din greseala. Codul Civil German (Bürgerliche Gesetzbuch) prevede urmatoarele: „cine provoaca intentionat sau din neglijenta daune care aduc atingere vietii, corpului, sanatatii sau proprietatii altei persoane este obligata sa o despagubeasca“.

Asigurarea privata de raspundere civila poate acoperi o multitudine de evenimente nefericite. Iata cateva situatii:  

  • neacordarea prioritatii in timpul mersului cu bicicleta;
  • traversarea pe lumina rosie a semaforului;
  • inundatie sau incendiu in apartamentul inchiriat;
  • daune in apartamentul personal;
  • lovirea cu carutul supermarketului a unui autovehicul;
  • daune cauzate de copilul tau (cu varsta de peste 7 ani) proprietatii unei persoane;
  • accidente in urma practicarii unor sporturi, mai ales daca sunt implicate si alte persoane, etc.;

Pagubitul are dreptul legal la daune care includ cheltuielile pentru refacerea sau inlocuirea obiectelor deteriorate, cheltuieli pentru tratamente medicale si pierderi de venit. Persoana ranita are dreptul si la daune morale, iar in cazul afectiunilor de sanatate permanente poate cere chiar o pensie viagera.

In acesta asigurarea nu intra:

  • pagubele rezultate in urma unui accident de munca;
  • masinile, motocicletele si alte vehicule;
  • barci si diferite ambarcatiuni sportive;
  • animale;

Costul unei asigurari private de raspundere civila este in jur de 10-20 euro pe luna si variaza in functie de valoarea sumei asigurate (recomandabil minimum 2 milioane de euro) si de tipul politei incheiate: pe persoana/pe familie. Politele cu participare proprie sunt mai ieftine, insa daunele de valoare mica sunt suportate de asigurat.

Leave this field blank
🇩🇪 +49
  • 🇦🇫
    Afghanistan +93
  • 🇦🇱
    Albania +355
  • 🇩🇿
    Algeria +213
  • 🇦🇸
    American Samoa +1
  • 🇦🇩
    Andorra +376
  • 🇦🇴
    Angola +244
  • 🇦🇮
    Anguilla +1
  • 🇦🇬
    Antigua And Barbuda +1
  • 🇦🇷
    Argentina +54
  • 🇦🇲
    Armenia +374
  • 🇦🇼
    Aruba +297
  • 🇦🇨
    Ascension Island +247
  • 🇦🇺
    Australia +61
  • 🇦🇹
    Austria +43
  • 🇦🇿
    Azerbaijan +994
  • 🇧🇸
    Bahamas +1
  • 🇧🇭
    Bahrain +973
  • 🇧🇩
    Bangladesh +880
  • 🇧🇧
    Barbados +1
  • 🇧🇾
    Belarus +375
  • 🇧🇪
    Belgium +32
  • 🇧🇿
    Belize +501
  • 🇧🇯
    Benin +229
  • 🇧🇲
    Bermuda +1
  • 🇧🇹
    Bhutan +975
  • 🇧🇴
    Bolivia +591
  • 🇧🇶
    Bonaire, Sint Eustatius And Saba +599
  • 🇧🇦
    Bosnia And Herzegovina +387
  • 🇧🇼
    Botswana +267
  • 🇧🇷
    Brazil +55
  • 🇮🇴
    British Indian Ocean Territory +246
  • 🇧🇳
    Brunei Darussalam +673
  • 🇧🇬
    Bulgaria +359
  • 🇧🇫
    Burkina Faso +226
  • 🇧🇮
    Burundi +257
  • 🇰🇭
    Cambodia +855
  • 🇨🇲
    Cameroon +237
  • 🇨🇦
    Canada +1
  • 🇨🇻
    Cape Verde +238
  • 🇰🇾
    Cayman Islands +1
  • 🇨🇫
    Central African Republic +236
  • 🇹🇩
    Chad +235
  • 🇨🇱
    Chile +56
  • 🇨🇳
    China +86
  • 🇨🇽
    Christmas Island +61
  • 🇨🇨
    Cocos (keeling) Islands +61
  • 🇨🇴
    Colombia +57
  • 🇰🇲
    Comoros +269
  • 🇨🇬
    Congo +242
  • 🇨🇩
    Congo, The Democratic Republic Of The +243
  • 🇨🇰
    Cook Islands +682
  • 🇨🇷
    Costa Rica +506
  • 🇨🇮
    Cote D'ivoire +225
  • 🇭🇷
    Croatia +385
  • 🇨🇺
    Cuba +53
  • 🇨🇼
    Curaçao +599
  • 🇨🇾
    Cyprus +357
  • 🇨🇿
    Czech Republic +420
  • 🇩🇰
    Denmark +45
  • 🇩🇯
    Djibouti +253
  • 🇩🇲
    Dominica +1
  • 🇩🇴
    Dominican Republic +1
  • 🇪🇨
    Ecuador +593
  • 🇪🇬
    Egypt +20
  • 🇸🇻
    El Salvador +503
  • 🇬🇶
    Equatorial Guinea +240
  • 🇪🇷
    Eritrea +291
  • 🇪🇪
    Estonia +372
  • 🇸🇿
    Eswatini +268
  • 🇪🇹
    Ethiopia +251
  • 🇫🇰
    Falkland Islands (malvinas) +500
  • 🇫🇴
    Faroe Islands +298
  • 🇫🇯
    Fiji +679
  • 🇫🇮
    Finland +358
  • 🇫🇷
    France +33
  • 🇬🇫
    French Guiana +594
  • 🇵🇫
    French Polynesia +689
  • 🇬🇦
    Gabon +241
  • 🇬🇲
    Gambia +220
  • 🇬🇪
    Georgia +995
  • 🇩🇪
    Germany +49
  • 🇬🇭
    Ghana +233
  • 🇬🇮
    Gibraltar +350
  • 🇬🇷
    Greece +30
  • 🇬🇱
    Greenland +299
  • 🇬🇩
    Grenada +1
  • 🇬🇵
    Guadeloupe +590
  • 🇬🇺
    Guam +1
  • 🇬🇹
    Guatemala +502
  • 🇬🇬
    Guernsey +44
  • 🇬🇳
    Guinea +224
  • 🇬🇼
    Guinea-bissau +245
  • 🇬🇾
    Guyana +592
  • 🇭🇹
    Haiti +509
  • 🇻🇦
    Holy See (vatican City State) +39
  • 🇭🇳
    Honduras +504
  • 🇭🇰
    Hong Kong +852
  • 🇭🇺
    Hungary +36
  • 🇮🇸
    Iceland +354
  • 🇮🇳
    India +91
  • 🇮🇩
    Indonesia +62
  • 🇮🇷
    Iran, Islamic Republic Of +98
  • 🇮🇶
    Iraq +964
  • 🇮🇪
    Ireland +353
  • 🇮🇲
    Isle Of Man +44
  • 🇮🇱
    Israel +972
  • 🇮🇹
    Italy +39
  • 🇯🇲
    Jamaica +1
  • Japan +81
  • 🇯🇪
    Jersey +44
  • 🇯🇴
    Jordan +962
  • 🇰🇿
    Kazakhstan +7
  • 🇰🇪
    Kenya +254
  • 🇰🇮
    Kiribati +686
  • 🇽🇰
    Kosovo +383
  • 🇰🇼
    Kuwait +965
  • 🇰🇬
    Kyrgyzstan +996
  • 🇱🇦
    Lao People's Democratic Republic +856
  • 🇱🇻
    Latvia +371
  • 🇱🇧
    Lebanon +961
  • 🇱🇸
    Lesotho +266
  • 🇱🇷
    Liberia +231
  • 🇱🇾
    Libya +218
  • 🇱🇮
    Liechtenstein +423
  • 🇱🇹
    Lithuania +370
  • 🇱🇺
    Luxembourg +352
  • 🇲🇴
    Macao +853
  • 🇲🇬
    Madagascar +261
  • 🇲🇼
    Malawi +265
  • 🇲🇾
    Malaysia +60
  • 🇲🇻
    Maldives +960
  • 🇲🇱
    Mali +223
  • 🇲🇹
    Malta +356
  • 🇲🇭
    Marshall Islands +692
  • 🇲🇶
    Martinique +596
  • 🇲🇷
    Mauritania +222
  • 🇲🇺
    Mauritius +230
  • 🇾🇹
    Mayotte +262
  • 🇲🇽
    Mexico +52
  • 🇫🇲
    Micronesia, Federated States Of +691
  • 🇲🇩
    Moldova, Republic Of +373
  • 🇲🇨
    Monaco +377
  • 🇲🇳
    Mongolia +976
  • 🇲🇪
    Montenegro +382
  • 🇲🇸
    Montserrat +1
  • 🇲🇦
    Morocco +212
  • 🇲🇿
    Mozambique +258
  • 🇲🇲
    Myanmar +95
  • 🇳🇦
    Namibia +264
  • 🇳🇷
    Nauru +674
  • 🇳🇵
    Nepal +977
  • 🇳🇱
    Netherlands +31
  • 🇳🇨
    New Caledonia +687
  • 🇳🇿
    New Zealand +64
  • 🇳🇮
    Nicaragua +505
  • 🇳🇪
    Niger +227
  • 🇳🇬
    Nigeria +234
  • 🇳🇺
    Niue +683
  • 🇳🇫
    Norfolk Island +672
  • 🇰🇵
    North Korea +850
  • 🇲🇰
    North Macedonia, Republic Of +389
  • 🇲🇵
    Northern Mariana Islands +1
  • 🇳🇴
    Norway +47
  • 🇴🇲
    Oman +968
  • 🇵🇰
    Pakistan +92
  • 🇵🇼
    Palau +680
  • 🇵🇸
    Palestinian Territory, Occupied +970
  • 🇵🇦
    Panama +507
  • 🇵🇬
    Papua New Guinea +675
  • 🇵🇾
    Paraguay +595
  • 🇵🇪
    Peru +51
  • 🇵🇭
    Philippines +63
  • 🇵🇱
    Poland +48
  • 🇵🇹
    Portugal +351
  • 🇵🇷
    Puerto Rico +1
  • 🇶🇦
    Qatar +974
  • 🇷🇪
    Reunion +262
  • 🇷🇴
    Romania +40
  • 🇷🇺
    Russian Federation +7
  • 🇷🇼
    Rwanda +250
  • 🇧🇱
    Saint Barthélemy +590
  • 🇹🇦
    Saint Helena +290
  • 🇸🇭
    Saint Helena +290
  • 🇰🇳
    Saint Kitts And Nevis +1
  • 🇱🇨
    Saint Lucia +1
  • 🇲🇫
    Saint Martin (french Part) +590
  • 🇵🇲
    Saint Pierre And Miquelon +508
  • 🇻🇨
    Saint Vincent And The Grenadines +1
  • 🇼🇸
    Samoa +685
  • 🇸🇲
    San Marino +378
  • 🇸🇹
    Sao Tome And Principe +239
  • 🇸🇦
    Saudi Arabia +966
  • 🇸🇳
    Senegal +221
  • 🇷🇸
    Serbia +381
  • 🇸🇨
    Seychelles +248
  • 🇸🇱
    Sierra Leone +232
  • 🇸🇬
    Singapore +65
  • 🇸🇽
    Sint Maarten (dutch Part) +1
  • 🇸🇰
    Slovakia +421
  • 🇸🇮
    Slovenia +386
  • 🇸🇧
    Solomon Islands +677
  • 🇸🇴
    Somalia +252
  • 🇿🇦
    South Africa +27
  • 🇰🇷
    South Korea +82
  • 🇸🇸
    South Sudan +211
  • 🇪🇸
    Spain +34
  • 🇱🇰
    Sri Lanka +94
  • 🇸🇩
    Sudan +249
  • 🇸🇷
    Suriname +597
  • 🇸🇯
    Svalbard And Jan Mayen +47
  • 🇸🇪
    Sweden +46
  • 🇨🇭
    Switzerland +41
  • 🇸🇾
    Syrian Arab Republic +963
  • 🇹🇼
    Taiwan +886
  • 🇹🇯
    Tajikistan +992
  • 🇹🇿
    Tanzania, United Republic Of +255
  • 🇹🇭
    Thailand +66
  • 🇹🇱
    Timor-leste +670
  • 🇹🇬
    Togo +228
  • 🇹🇰
    Tokelau +690
  • 🇹🇴
    Tonga +676
  • 🇹🇹
    Trinidad And Tobago +1
  • 🇹🇳
    Tunisia +216
  • 🇹🇷
    Turkey +90
  • 🇹🇲
    Turkmenistan +993
  • 🇹🇨
    Turks And Caicos Islands +1
  • 🇹🇻
    Tuvalu +688
  • 🇺🇬
    Uganda +256
  • 🇺🇦
    Ukraine +380
  • 🇦🇪
    United Arab Emirates +971
  • 🇬🇧
    United Kingdom +44
  • 🇺🇸
    United States Of America +1
  • 🇺🇾
    Uruguay +598
  • 🇺🇿
    Uzbekistan +998
  • 🇻🇺
    Vanuatu +678
  • 🇻🇪
    Venezuela +58
  • 🇻🇳
    Vietnam +84
  • 🇻🇬
    Virgin Islands, British +1
  • 🇻🇮
    Virgin Islands, U.s. +1
  • 🇼🇫
    Wallis And Futuna +681
  • 🇪🇭
    Western Sahara +212
  • 🇾🇪
    Yemen +967
  • 🇿🇲
    Zambia +260
  • 🇿🇼
    Zimbabwe +263
  • 🇦🇽
    Åland Islands +358