February 1, 2007 11:07:21 PM CET
OK, I twigged this before I lived with a German lady.
She confirmed that I was right.
You are regarded as insane if you you do not have this by
normal citizens of the BRD.
Try HUK24.de on the net. (or Scout ?? for a list)
This is a litigious society and you can be taken to the cleaners
by a moment's inattention.
It's only EUR 30 per year or so, but the risk of not having it is just too great.
Ask any German citizen with more than EUR 100 in their Konto....
It covers silly things which could really cost you - and remember, in a dispute
over whether you caused your neighbour to trip and break his/her leg - THEY will be insured, with smarty lawyers to make your life difficult.