Liability Insurance Standard

PROTRIP-WORLD can be taken out as a combination of travel health, accident, baggage, assistance and personal liability insurance.

You can find more information about liability insurance Standard on this page.

Liability Insurance Standard benefits

- if selected -

If you take out the supplementary Standard package, a fully comprehensive personal liability insurance policy is integrated for the insured person. In addition to personal injury and property damage, damage to rented property is also insured. Damage to rented property is damage caused to a rented flat/apartment.
Insurance cover within the policy is only provided if the insured person has no other or sufficient insurance cover (subsidiary cover).

Au pairs are covered by liability insurance in their role as private individuals and within their specific work as an au pair. This cover includes language travelers who live with families (who have children) and carry out work similar to that of an au pair.
Damage caused by the use of a motor vehicle is not insured. This includes both personal injury and damage to property.

In the Standard Package, damages caused during activities as an intern are also insured. However, if you are planning an internship as part of your studies or Erasmus Plus program, we recommend the Complete Package for even more extensive benefits. You can take out the Complete Package if your trip has an educational background.

Sums insured in Liability Insurance Standard

Personal liability insurance including “professional” liability insurance for au pairs with a lump sum for personal injury and property damageup to €1,000,000
Property damage to host family’s immovable propertyup to €1,000,000*
Damage to rented property covered by the policyup to €100,000*
Liability loss caused during activities as an internup to €10,000*
Deductible in case of liability loss per insured event€100

*Sublimit within the basic sum insured

You will find a full description of benefits and benefit exclusions in the General Insurance Conditions

Exclusion of benefits – the facts

No insurance cover is provided for damages:

  • intentionally caused by the insured person
  • caused by the insured person as a result of an intentional criminal act or the intentional attempt of committing a criminal act

Liability Insurance Standard does not cover:

  • Damages to leased, rented or borrowed equipment
  • Damages to the host family’s movable property
  • Damage caused by the use of a motor vehicle is not insured. This includes both personal injury and damage to property
  • Damages caused by the exchange, transmission or provision of electronic data

You will find the detailed terms and conditions in the General Liability Insurance Conditions

All-round protection for little money

Liability insurance is part of the PROTRIP-WORLD insurance package, consisting of

  • Travel health insurance
  • Accident insurance
  • Baggage insurance
  • Assistance insurance
  • Liability insurance Standard or Liability insurance Complete


Everything you need to know about the requirements, who the insurance is suitable for, start, end and waiting period at PROTRIP-WORLD.

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Comprehensive protection at a low price. With PROTRIP-WORLD, you only pay for exactly what you need.

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You still have questions?

Use our online forms and FAQ or simply give us a call: 
T.: +49 2247 9194-977

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