Travel the world carefree
With the foreign personal liability insurance from nextsure, you are protected worldwide against the financial consequences of personal injury, property damage, and financial losses. Enjoy your travels without worries.
Worldwide Insurance Coverage
Protection against rental property damage
Fast digital processing
Why is international personal liability insurance indispensable?
Protection against high costs
Cover Abroad
Differences from Domestic Liability Insurance
Travel carefree
Scope of services: What does the international personal liability insurance cover?
The coverage of a high-quality international personal liability insurance is crucial for your worry-free stay abroad. At nextsure, this protection typically includes personal injury, property damage, and financial loss that you unintentionally cause to third parties. This covers things like medical costs for injured persons, repair costs for damaged items, or compensation for financial disadvantages. An important aspect is the coverage of rental property damage to holiday accommodations, hotel rooms, or rented vehicles – a common risk when traveling. The assumption of bail bonds, which often need to be posted abroad in the event of damage, can also be part of the insurance coverage. When choosing your policy, ensure that the sum insured is sufficiently high, especially for trips to countries with high compensation claims such as the USA or Canada.
Your Shield Abroad
Benefits of Our International Personal Liability Insurance
Valid worldwide
Comprehensive protection, no matter where your journey takes you.
High Coverage
Financial security through high insurance sums.
Tenant property damage
Coverage for damage to rented holiday properties.
Deposits
Coverage of deposit payments in the event of damage.
Loss of keys
Coverage for loss of personal/professional keys.
Internet protection
Protection against damages from internet use abroad.
Sports risks
Liability coverage for damages caused by certain sports.
Digital Service
Simple online completion and quick claims reporting.
Fair Contributions
Tailored protection at attractive terms.
Discover the comprehensive services of nextsure for your global security and worry-free travels.
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Typical Cases of Damage Abroad: Practical Examples and Coverage
Imagine this: At your holiday hotel, you accidentally knock over an expensive vase. Or, as a pedestrian, you cause a bicycle accident. Such mishaps can quickly become costly abroad. An international personal liability insurance from nextsure protects you against the financial consequences of such typical damage cases. Other examples include losing the key to the holiday apartment, which can lead to expensive lock changes, or damage caused by your children while playing. Damage caused by the use of borrowed sports equipment can also be covered. Our experts help you find the right protection for your individual travel activities, so you can enjoy every moment carefree.
Scope: Where and for how long does the insurance coverage apply?
The scope of your international private liability insurance is a key point. Generally, policies offer worldwide coverage, but there may be exceptions for certain crisis areas. The duration of validity is also important: standard policies usually cover trips up to a certain length, such as six weeks or three months consecutively. For longer stays, such as a semester abroad, a world trip, or professional work abroad, you often need special long-term international private liability insurance. nextsure offers flexible solutions tailored to your individual travel plans, whether it's a short trip or a long-term adventure. Be sure to inform yourself in advance about the territorial and time limits of your insurance coverage.
Foreign Liability Insurance vs. Domestic Liability Insurance: The Key Differences
Many travellers wonder whether their German personal liability insurance also applies abroad. The answer is: often only limited or not at all. Domestic liability insurance usually has limited territorial validity and often does not cover the specific risks or required coverage amounts for abroad. Therefore, a separate personal liability insurance for abroad is essential. It generally offers higher coverage amounts, includes important services such as rental damage to holiday properties, and takes into account the legal conditions of other countries. nextsure ensures that your insurance coverage meets the requirements of your travel destination and that you are comprehensively insured wherever you are in the world.
Tariff selection: What to consider when comparing
When comparing rates for international personal liability insurance, you should consider several criteria to find the optimal protection. The coverage amount is crucial—it should be sufficiently high, especially for trips to countries with high compensation claims. Pay attention to the amount of any possible deductible in the event of a claim. Carefully check which services are included and what exclusions exist. The maximum travel duration per trip and the total travel duration per year are also important factors. Some policies from nextsure offer useful additional benefits, such as default coverage, in case you are harmed abroad and the perpetrator cannot pay. A digital completion and an uncomplicated claims notification are further advantages.
Foreign health insurance
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Trip cancellation
Secure protection
Luggage
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Special Case USA & Canada: Increased Coverage Amounts and Specifics
Traveling to the USA and Canada requires special attention to insurance coverage, as liability law and compensation claims there can differ significantly from European standards. Claims running into millions are not uncommon. Therefore, an international personal liability insurance with particularly high coverage – ideally several million euros – is absolutely recommended for these countries, often even mandatory. nextsure offers policies that meet these specific requirements. Make sure that your policy explicitly applies to the USA and Canada and that there are no hidden clauses limiting the benefits. Good advice can protect against unpleasant surprises here.
Digital processing with nextsure: Quick & easy protection
nextsure is your digital partner for insurance coverage. You can complete your overseas personal liability insurance with us entirely online - quickly, transparently, and effortlessly. With just a few clicks, you can compare rates, choose your desired plan, and conclude the process directly. Even in the event of a claim, you benefit from our digital processes: reporting a claim can be done easily through our online portal or via the app, enabling swift processing. This way, you save time and effort and have access to your contract data at any time. Our goal is to provide you with maximum comfort and first-class service so you can focus on what really matters: your journey.
Combination options: Meaningful additions to foreign personal liability insurance
A foreign personal liability insurance is an important component of your travel protection, but it can be sensibly supplemented with additional insurance policies. Essential is a foreign health insurance that covers the costs of medical treatments abroad. Trip cancellation and interruption insurance protects you from financial losses if you unexpectedly cannot start or have to interrupt your trip. For valuable travel luggage, luggage insurance can be useful. nextsure offers you, as a digital insurance portal, the opportunity to assemble your individual insurance package and thus ensure comprehensive protection for your travels. We are happy to advise you on the optimal combination options.
Do I also need insurance within Europe?
If you cause damage abroad, correct action is essential for a smooth settlement by your overseas personal liability insurance. Report the incident to nextsure without delay. Document the damage as accurately as possible: take photos of the situation and the damaged items, note the names and addresses of witnesses and injured parties. If there is an accident recorded by the police, secure a copy of the report. Important: Do not make any acknowledgment of guilt on-site and make no payments without consulting us. Submit all documents and information as quickly as possible so that we can examine the case and initiate the necessary steps.
