Personal liability insurance
In everyday situations, anything can happen: you may accidentally interfere with traffic, run into a cyclist, flood your neighbour’s house because of a broken pipe, and children can break a neighbour’s window while playing. Personal liability insurance will cover financial losses due to accidental damage caused by you, your family member or your pet to another person or his property.
Civil liability insurance
for a peaceful life
Not only free time, but also everyday life can be full of unpleasant surprises. If you like to have active time outdoors, have children, a pet or a home, accidental damage to other people and their property can be costly. When the words “I’m sorry” are not enough, it is worthwhile to have personal liability insurance.
We will compensate for damage to other people’s property
We will arrange a compensation for damage caused to the property of a neighbour, passerby or cyclist.
We will cover the damage caused to the health of others
We will help you avoid costs if you cause damage to the health and life of another person or his pet.
We will provide extensive insurance coverage
You can choose personal liability insurance along with houseowner’s liability insurance.
Personal liability insurance online
ERGO insurance online is a faster and more convenient way to arrange personal liability insurance. Use the calculator and find out the price of personal liability insurance.
Price of civil liability insurance and personalised offer to you
What may be covered by the personal liability insurance?
Insurance options
In case of a sudden and unexpected event, the insurance will cover against the following risks:
- damage caused to the health of other persons;
- damage caused to the property of other persons;
- damage cause to the rented property;
- damage caused to nature.
Houseowner’s liability
We insure your civil liability as the owner and/or manager for management of one real property object and use of movable property in it.
Houseowner’s liability insurance PLUS
We cover you and your family members against civil liability for the management of all immovable property objects owned by you and your family members and use of movable property in it.
Personal liability
We cover your civil liability and your family members’ civil liability:
- for everyday actions (except for damage in connection with employment, professional, service activities or participation in associations);
- for the possession and use of any immovable property objects owned by you (including immovable property objects owned by your close relatives where you and your family members have their permanent residence). As a tenant, you are also civilly liable for damages not only to your neighbours but also to the rented housing.
What may be covered by the personal liability insurance?
In case of a sudden and unexpected event, the insurance will cover against the following risks:
- damage caused to the health of other persons;
- damage caused to the property of other persons;
- damage cause to the rented property;
- damage caused to nature.
We insure your civil liability as the owner and/or manager for management of one real property object and use of movable property in it.
We cover you and your family members against civil liability for the management of all immovable property objects owned by you and your family members and use of movable property in it.
We cover your civil liability and your family members’ civil liability:
- for everyday actions (except for damage in connection with employment, professional, service activities or participation in associations);
- for the possession and use of any immovable property objects owned by you (including immovable property objects owned by your close relatives where you and your family members have their permanent residence). As a tenant, you are also civilly liable for damages not only to your neighbours but also to the rented housing.
What may we cover additionally?
Liability during repair works
We insure your civil liability as the owner for simple repairs in your housing. The sum insured is from EUR 3,000 to EUR 50,0000 at your option.
Landlord’s liability
We cover your liability as a landlord when your housing is rented out. If you have rented out one dwelling or more dwellings to other people, please notify us and we can include your civil liability in the insurance coverage.
Tenant’s liability
We cover your liability as a tenant of a housing for the actions carried out in your housing. If you want to insure your tenant’s liability, notify us and we can include it in your insurance coverage.
Student’s liability during traineeship
We can insure your liability or liability of your studying child during the student’s traineeship, e.g. in case of damage to the employer.
Hunter’s liability
We can insure your civil liability as a hunter for damage caused to another person, animal or nature during hunting. However, you are not covered against a fine for non-compliance with legal acts.
What may we cover additionally?
We insure your civil liability as the owner for simple repairs in your housing. The sum insured is from EUR 3,000 to EUR 50,0000 at your option.
We cover your liability as a landlord when your housing is rented out. If you have rented out one dwelling or more dwellings to other people, please notify us and we can include your civil liability in the insurance coverage.
We cover your liability as a tenant of a housing for the actions carried out in your housing. If you want to insure your tenant’s liability, notify us and we can include it in your insurance coverage.
We can insure your liability or liability of your studying child during the student’s traineeship, e.g. in case of damage to the employer.
We can insure your civil liability as a hunter for damage caused to another person, animal or nature during hunting. However, you are not covered against a fine for non-compliance with legal acts.
Why to choose ERGO insurance?
We cover the civil liability of the whole family in various situations, such as being in a store, in a park, riding a bicycle, playing sports.
We will compensate for damage caused by you or a family member to others while riding a bicycle or scooter, as well as damage caused by you to a rented bicycle or scooter.
We will cover damage to the health, property of others caused by you or a family member or damage caused to nature during your leisure activities, such as fishing, skiing, flying a drone.
We will cover your civil liability as the owner of a pet or farm animal and cover the damage they cause to other people or their property.
If you own more than one housing, we will insure your liability as an owner of one specified housing or all housing owned by you and your family members.
We will cover damage to third parties that may occur during simple repairs, e.g. replacement of a tap. You can choose the sum insured from EUR 3,000 to EUR 50,000.
We will insure you and your co-owners against civil liability for the housing jointly owned by you. We will fully compensate third parties if they suffer as a result of an unexpected event in your housing.
We will insure the civil liability of people who live in the housing that is lawfully owned by you (except for tenants and guests).
Related products
Home insurance
Travel insurance
Frequently asked questions about civil liability insurance
ERGO personal liability insurance helps to cover financial losses caused by you, your family member, pet, or accidental damage to another person or his property for reasons related to your real property.
Houseowner’s liability is damage caused to third parties as a result of management of your housing and operation of the property in it. For example, if you flood your neighbours’ apartment as a result of a broken pipe or damage to a neighbour’s car as a result of falling of a flower pot from the balcony.
- First of all, it is necessary to stop the running water; if possible, close the water valve by yourself or call the emergency service or home help service if you have chosen this service with your home insurance.
- Take pictures of the place of the event and the caused damage.
If you have personal liability insurance:
- register the claim on ERGO self-service https://mano.ergo.lt/ or by calling the short number 1887 (in case of calling from abroad +370 5 2683222) by yourself;
- notify the neighbour that you have insurance and he could address ERGO for the incurred losses. Specify the number of your personal liability insurance contract or claim number and your name, surname.
- If you do not have personal liability insurance, you will have to pay for the damage caused to your neighbour by yourself. Agree with your neighbour how you will assess the damages and compensate them.
If you choose ERGO personal liability insurance, the personal liability insurance option, we also insure the civil liability of your children (adopted children) up to the age of 20 for damage caused by them.
If you choose ERGO personal liability insurance, the personal liability insurance option, we also insure your civil liability as a pet owner for damage caused by it.
If you choose ERGO personal liability insurance, the personal liability insurance option, we also insure your civil liability and the civil liability of your family members when riding a regular or electric bicycle, scooter or segway.
Yes, it is valid if the maximum permitted speed of the electric scooter or bicycle you are driving is up to 25 km/h. However, if you have a more powerful electric bike or scooter or one that weighs more than 25 kg and has a speed limit of more than 14 km/h, you will need motor third party liability (MTPL) insurance.
Yes, it is valid. If you choose ERGO personal civil liability insurance, we insure your civil liability and your family members’ civil liability while skiing. It is important to choose the right coverage area: geographical Europe or worldwide. If necessary, we will issue a policy in English confirming your liability insurance coverage as a skier.
When you conclude an insurance contract, you can choose the insurance coverage territory from several options: Lithuania, Europe or worldwide.
- First of all, help the injured person, call an ambulance. In the event of a plumbing emergency, it is necessary to immediately stop the running water: if possible, close the water valve or call the emergency services or home assistance service if you have chosen this service in your home insurance.
- Take pictures of the place of the event and the caused damage.
- Notify the injured person that you have insurance and he could address ERGO for the incurred losses. Specify the number of your personal liability insurance contract or claim number and your name, surname to your neighbour.
- Register the claim on ERGO self-service https://mano.ergo.lt/ or by calling the short number 1887 (in case of calling from abroad +370 5 2683222). You must do this orally (within 24 hours), and additionally notify in detail in writing within 3 (three) calendar days. Follow our instructions if such instructions have been given.
- Immediately inform us in writing by e-mail zalos@ergo.lt if third parties apply to court for damages caused by you and/or your family members.
Terms and Conditions of Personal Liability Insurance
Valid
Expired
ERGO asmens atsakomybės draudimo taisyklės Nr. 025SP.pdf
Valid for contracts issued until 2023-04-21
ERGO asmens atsakomybės draudimo taisyklės Nr. 025SP.pdf
Valid for contracts issued until 2022-07-24
Asmens civilinės atsakomybės draudimo taisyklės.pdf
Valid for contracts issued until 2022-07-14
Asmens civilinės atsakomybės draudimo taisyklės.pdf
Valid for contracts issued until 2020-02-06
Asmens civilinės atsakomybės draudimo taisyklės.pdf
Valid for contracts issued until 2018-07-10
Asmens civilinės atsakomybės draudimo taisyklės.pdf
Valid for contracts issued until 2014-11-30
