All plansKnocked over a friend's laptop
Repair costs or a replacement can quickly exceed €1,200. Here too, your personal liability insurance is on your side.
Personal liability
Hanna helps:
Make a claim.
In seconds.
Personal liability insurance, taken out online in a few minutes. After that, Hanna helps you with your policy and claims, around the clock and in English.
From €2.50/month
HHi, I'm Hanna. How can I help you?
I dropped a friend's laptop…HNo stress, your personal liability insurance can cover that. I'll record your claim right away.
Claim recordedReview by our claims team · takes 2 min.
Insurer: AXANo paperworkCancel any dayAvailable 24/7
Trusted
Why Hanna
Hanna is by your side from application to claim, around the clock, with no waiting on hold.
Verified
Regulated and supervised
The insurer is AXA Versicherung AG, which is supervised by BaFin
Flexible
Cancel any day
No minimum term and no notice period: you decide, any time
Transparent
No hidden fees, no excess
You see exactly what you pay and what you get
Worldwide
Worldwide cover when you travel
Your cover also applies during temporary stays abroad, whether on holiday, a semester abroad or Work and Travel
24/7
AI assistant, around the clock
Applications, policy changes and claims, at any time of day or night
Fast
Make a claim in 2 minutes
Describe the damage, send photos, done. Hanna takes care of the claim report and keeps you up to date on its progress
Traditional insurance
Often a hassle, even online
Waiting times for enquiries: days to weeks
Filling in forms and repeating your details
Support only during business hours
Making a claim is slow and complicated
Policy changes take days
Standard offers without context
Several channels, but never instant
New
With Hanna
The new way is simple
Instant answers, no waiting
No forms, simply done in a conversation
Available 24/7 by chat or email
Make a claim in 2 minutes
Policy changes done instantly
Personal AI help choosing your plan
One assistant for everything, all in one chat
Steps
How it works
Three simple steps to get covered
Step 1
Contact your AI assistant
By chat, whenever you like
Step 2
Get an instant reply
Whether you're choosing a plan, making a claim or changing your policy, things get moving in seconds
Step 3
All done
Your AI assistant takes care of everything, with no paperwork at all
Examples
When it really counts
5 out of 6 households in Germany have personal liability insuranceSource: GDV
If you cause damage to someone else, you have to pay for it. In Germany you're liable with everything you own, even when a small mishap has big consequences. Personal liability insurance is on your side then: it checks the claim, pays justified claims and defends you against unjustified ones.
All plans
All plansWater damage in a rented flat
Damage to rented premises from a leaking washing machine or a blocked drain can quickly cost over €5,000. Your personal liability insurance is on your side.
Plans M and LLost the keys to your rented flat
Replacing a building's locking system can quickly cost €2,000 or more. When it comes to locks and keys, your personal liability insurance is on your side.
All plansRed wine on the sofa of a holiday flat
Damage to the furnishings of hotels and holiday flats, even abroad, is a common example. Your personal liability insurance is on your side.
All plansYour cat scratches your friend's sofa
Damage caused by cats, hamsters and other small pets is covered. Here too, your personal liability insurance is on your side.
All plansHit a pedestrian on your bike
Treatment costs, loss of earnings and compensation for pain and suffering can quickly reach a six-figure sum. Your personal liability insurance is on your side.
Examples of what's not covered
- Your own things
- Dogs and horses (cats and other small pets are covered)
- Your own car or motorbike
- Damage from your job
- Damage you cause on purpose
Insurer
In black and white: insured with AXA
Your policy schedule (Versicherungsschein) names your insurer. Here's what that means for you:
Hanna.haftpflichtPolicy schedule
InsurerAXA Versicherung AG
- HannaYour point of contact
- Advises you, explains the plans and records your claim.
- Alteos GmbHThe company behind Hanna
- Belongs to the AXA Group, runs Hanna and arranges your contract with AXA.
- AXA Versicherung AGYour insurer
- Is who your contract is with and carries the risk.
Plans
Transparent and fair
Cancel any day, no hidden costs
Plan S
from €2.50
a month
- Cover up to €20 million
- Damage to rented premises
- Damage while doing a favour: from €500
Plan M
from €3.60
a month
- Cover up to €50 million
- Damage to rented premises
- Damage while doing a favour: covered
- Lost keys: up to €30,000
- Cover if the person liable can't pay
Most cover
Plan L
from €4.40
a month
- Cover up to €60 million
- Damage to rented premises
- Damage while doing a favour: covered
- Lost keys: unlimited
- Cover if the person liable can't pay
- Best cover guarantee
- Premium break if unemployed
Still unsure? Just get started: cancel any day, apply in 2 minutes.
Ask HannaBenefits
Always there when you need us
Your AI assistant works around the clock
Availability
Available 24/7 with no waiting
Choose a plan, make a claim or change your policy, any time
Claims
Make a claim in 2 minutes
Upload photos, describe the damage, done. Get a confirmation of receipt straight away
Policy management
Manage your policy yourself
Change your address, adjust your plan or cancel: all digital, by chat or email
Simplicity
No paperwork, all digital
No forms, no printouts, no signatures needed
What our customers say
4.7 out of 5 from 229 reviews for Alteos GmbH, the company behind Hanna, on Trustpilot4.7 out of 5 from 229 reviews on Trustpilot
“My request was dealt with immediately. The communication was friendly and extremely constructive. After the photos and a verbal description of the repair work were submitted, the costs were then covered very quickly.”
H
Helmut
via Trustpilot, 27 August 2026, translated from German
“The quick, uncomplicated handling of my matter, very friendly and prompt replies to my emails, many thanks!!!”
R
Ralf
via Trustpilot, 8 September 2026, translated from German
“Very satisfied. I can only report positive things. Super fast handling of the reimbursement. And very nice contact by phone. Super satisfied.”
A
Andrea F.
via Trustpilot, 21 August 2026, translated from German
Contact
How to reach Hanna
Around the clock, by chat or email, in English
Chat
Right here on this page
Ready for insurance* that never sleeps?
Get started in 2 minutes, no paperwork, no waiting.
Insurer: AXANo paperworkCancel any dayAvailable 24/7