Private liability insurance (Hepster)

Examination, satisfaction of justified and defense against unjustified liability claims brought against the policyholder as a private individual. Covered, among other things, are damages you cause:

• as a participant in road traffic (pedestrian/cyclist)
• while engaging in sport
• when using your own or a third party's watercraft without sail/motor/propulsion unit (inflatable, rowing, paddle boats)
• as the keeper/custodian of tame domestic pets (e.g. cats, birds), tamed small animals (e.g. hamsters), and bees
• as the occupant of an apartment/house (Basis: single-family home, domestic only; Premium: one-/two-family home, Europe; Superior: one-/two-/multi-family home, Europe) – regardless of whether you rent or own
• Also covered: statutory liability arising from the private use of motorized/propulsion-driven aircraft subject to insurance requirements (e.g. model aircraft, multicopters, drones) up to 250 g take-off mass (Basis/Premium) or up to 5 kg (Superior), provided used for sport/recreational purposes
• Cover also extends to additional persons (e.g. spouse/partner, children)

From Premium additionally: a prescribed assistance dog and wild small animals kept in the household (e.g. spiders, geckos, snakes); loss of third-party keys; damage to furnishings/fittings in holiday accommodation (e.g. furniture, crockery).

Superior additionally: loss of keys, explicitly including keycards, safe, locker, furniture, vehicle keys, and other types of keys.

The specific insured items/risks/damages as well as the sum insured must, per the IPID, be taken from the individual contract documents (insurance certificate) – not quantified in the IPID itself.

• Starting price per the product page: from €1.89 (per the product page, as of July 2026); the time unit (month or year) is not clearly stated on the product page itself, but per the IPID both monthly and annual subscriptions are possible.
• The product page states a sum insured of "up to €50 million" for personal injury, property damage, and financial loss (per the product page, as of July 2026); the actual sum insured under the specific contract must nonetheless be taken from the individual insurance certificate per the IPID.
• The product page confirms 3 tariffs (Basis, Premium, Superior) but does not state separate prices per tariff.
• Payment method: monthly or annual subscription possible.

• Professional/occupational activities
• Keeping dogs or horses (not part of private liability cover – separate cover required)
• Driving motor vehicles subject to insurance requirements on public roads
• Damage caused intentionally
• Damage caused by motor vehicles/aircraft subject to insurance requirements
• Property/financial damage between co-insured persons
• Wear, tear, and excessive use of insured rented items

• No waiting period stated in the IPID.
• Deductible: where agreed, applies to every claim (amount not quantified in the IPID – contract documents are decisive).

• Territorial scope: worldwide; unlimited cover during temporary stays within Europe; cover also applies during a temporary non-European stay (max. 5 years).
• Duty to report a change in risk (e.g. change in marital status, acquiring a dog/horse, building a house).
• Monthly subscription: minimum term 12 months, 3 business days' notice as of the end of the period; annual subscription: same notice period, automatic renewal.
• Claims can be reported via https://hepster.com/de-de/schaden or de@support.hepster.com; customer service +49 (0) 381 / 203 888 00.
• Policyholder (contracting party of the risk carrier): MOINsure GmbH, Campus Altkarlshof, Am Kreuzgraben 1a, 18146 Rostock.

• The product page displays a Trusted Shops quality seal ("tested and certified per Trusted Shops quality criteria") as well as an SSL seal and a banking-check.de seal.
• Independent test seals (e.g. Stiftung Warentest) or star ratings are not mentioned on the product page.