(2025) You can also insure additional risks!

In addition to basic cover, certain risks can be included in the contract. This so-called extended cover is associated with extra costs.

With some providers, the extras are already included in the basic cover - ask if necessary. Additionally insurable risks:

• Loss of third-party keys or keys for central locking systems (except: office keys)
• Looking after someone else's dog
• Gradual damage (e.g. from smoke or moisture over time)
• Damaged heating oil tanks (up to 5,000 litres)
• Damage to rented property (e.g. broken washbasin)
• Pollution of groundwater and water bodies (e.g. from car washing, spilling a pot of paint, etc.)
• Renting a holiday flat abroad
• Use of a windsurf board
• Children under seven years old or under ten years old in road traffic who are not legally responsible
• Looking after other people's children (childminder)

When choosing an insurer, the premium as well as the additional cover for special risks should be compared.