Detailed list of benefits

PROTRIP-WORLD-H is a full personal liability insurance for private and professional stays abroad within the framework of youth and educational programmes. Additional to bodily injury and property damage, damage to rented property is included in the insurance scope.

Insurance cover will only take effect if other private liability insurances that apply to the persons mentioned do not have to pay (subsidiary coverage).

Damages occurring during internships, which are part of studies or an Erasmus Plus programme, are covered in the amount of the agreed sum insured. Damages occurring during internships, which are not part of studies or an Erasmus Plus programme, are covered in the amount of €10,000. In the latter case, a deductible of €100 per damage case applies.

Damages to motor vehicles as a result of operating such vehicles are excluded from cover.

Sums insured in liability insurance

PROTRIP-WORLD-H
Sums insured
Lump sum for personal injury, property damage and financial loss
up to €5,000,000
Damages occurring during internships, which are part of university studies or an Erasmus Plus program
Damages occurring during internships, which are not part of university studies or an Erasmus Plus program
up to €10,000* with a deductible of €100
Volunteering
Damage to the host family's property
Damage to rented property
up to €1,000,000*
Occasional minding of a third party’s dog, where this is done as a favor
Occasional use of motor-assisted boats belonging to third parties with an engine power of up to 55 kW (75 HP)
Use of motor vehicles with a maximum design speed of 6 km/h (e.g. invalid cars, children’s cars)
Use of trailers, provided they are not subject to compulsory insurance coverage and are not attached to a motor vehicle
Use of self-propelled machinery with a maximum design speed of 20 km/h (e.g. lawn mowers, snow-clearing equipment)
Use of motor vehicles and trailers not subject to compulsory insurance coverage when on non-public ways or areas
Bail payment in the case of loss or damage occurring in a foreign country
up to €25,000*
Loss of private and business keys belonging to third parties
up to €30,000*
Damage to property arising from an act of favor
up to €10,000*
Bad debt losses
Damage arising from data exchange and use of the Internet
up to €1,000,000*
Limit of indemnity in the case of violation of naming or personality rights
up to €200,000*
*Sublimit within the basic sum insured

You will find a full description of benefits and benefit exclusions in the General Insurance Conditions.

Do you require advice?
If you have any questions, please feel free to contact us:

Phone: +49 (0) 2247 9194 -977

Telegram Messenger

Mon-Fri: 8 am to 6 pm