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What types of accident and liability insurance can I claim?

Deductible liability insurance includes:

• Personal liability insurance
• Motor vehicle liability insurance
• Dog liability insurance
• Land liability insurance
• Property owner liability insurance

Accident insurance includes not only the actual accident insurance but also passenger insurance, child accident insurance, and travel accident insurance. It does not matter who is covered by the accident insurance. What is important is that you are the policyholder and pay the premiums. The tax office also requires proof of payments. Contributions to accident insurance can be claimed if these insurances only cover private risks. Insurances that cover both private and professional risks can be declared half as special expenses and half as income-related expenses or business expenses.

Term life insurance can also be declared, as well as contributions to widow's/orphan's pensions and funeral expenses. The contributions are considered as special expenses in the tax return. However, these contributions are only recognised if the deductible maximum amount of 1.900 Euro for employees and pensioners and 2.800 Euro for self-employed persons has not yet been exhausted with contributions to basic health and nursing care insurance.

Be sure to include these insurance contributions in your tax return. Lohnsteuer kompakt automatically checks for you whether you have already reached the maximum amount or if additional contributions can still be claimed.

Legal protection and household insurance are not considered special expenses.

What types of accident and liability insurance can I claim?