Product
Private liability 2026: what really changes
Higher limits, clearer terms, and more digital processes: what actually matters.
In 2026 not every liability policy changes, but differences between providers are growing. Some increase limits, others tighten exclusions or redefine household models. If you already have a policy, don’t just compare price: check the details. This overview highlights the key trends and what you should verify.
1. Higher limits, but not everywhere
Bodily injury can quickly lead to multi-million costs. Many insurers respond by raising standard limits, sometimes only in new tariffs.
Check whether your existing policy was updated automatically or whether a tariff switch is required.
- Check the current limit in your policy
- Compare standard vs premium tariffs
- Higher limits often cost only a little more per year
2. Household models are more clearly defined
In 2026 many providers differentiate more between single, couple, family, and shared households, which affects who is co-insured.
Especially in blended families or temporary living situations, a detailed review is worth it.
- Who is considered co-insured?
- Does coverage apply in shared households?
- Consider guests and occasional care
3. Rental property damage and lost keys
A focus area in 2026 is sub-limits for rental property damage and lost keys. Some policies limit these more strongly.
For expensive locking systems or special build-outs, this can be very relevant.
- Review sub-limits and deductibles
- Pay attention to shared locking systems
- Coverage for rented items
4. Digital claims as the standard
Claims reporting is increasingly digital. This speeds up processing but requires complete documentation.
Fast responses often lead to faster handling times.
- Have photos, receipts, and a short description ready
- Know expected response times
- Check the preferred channel (app vs email)
5. Tariff switch instead of a new policy
Many improvements are included in new tariffs. Switching within the same provider is often simpler than a full new policy.
Make sure previous claims and contract terms are handled correctly.
- Ask your insurer about a tariff switch
- Compare new terms with your current policy
- Watch for waiting periods or exclusions
10-minute check
Conclusion
2026 is less about a full rethink and more about fine-tuning private liability insurance. If you review limits, household models, and sub-limits, you gain security, usually without a noticeable premium increase.