English sign-up: GetSafe↗ and Feather↗ — a tariff with the lump rule and bike rider takes minutes; claims go via chat.
A Tariff Without Traps
Setting the sum via the €650/m² lump rule ends any underinsurance dispute. Bicycle and natural-hazard riders are the two add-ons that matter.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
👨🏻💻
Max recommends:
Ground floor or near a river: check Elementarschaeden — flooding and sewage backflow are not in the base tariff.
👩🏼💼
Lea recommends:
Once a year I walk through the flat with my phone camera: two minutes of video of every room into the cloud. In a claim this is gold.
FREQUENTLY ASKED QUESTIONS
Include gross negligence? ▾
Yes: the forgotten candle, the open window — the classic payout cuts. The clause costs little and ends the main dispute source.
What is the underinsurance waiver? ▾
The insurer waives checking whether your sum is too low: without it, insuring half the value halves every payout — even small ones. A must-have clause.
What happens with underinsurance? ▾
Insured for 20k while owning 40k — the insurer halves EVERY payout, even small ones. The €650/m² clause in the contract switches that check off.
Bike stolen on the street — does the base tariff pay? ▾
Usually no: base coverage is theft from the flat/basement. Outdoors needs the bicycle clause with a limit; for an expensive bike compare a dedicated bike policy.