Liability Insurance Standard

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 damage	up to €1,000,000
Property damage to host family’s immovable property	up to €1,000,000*
Damage to rented property covered by the policy	up to €100,000*
Liability loss caused during activities as an intern	up 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

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