Can I claim my liability insurance in my tax return?
Yes, contributions to liability insurance can generally be considered as pension expenses in the tax return. The legislator recognises these contributions as part of other pension expenses and thus supports private protection against everyday risks.
Which liability insurances are deductible?
The following liability insurances can be claimed as special expenses:
- Private liability insurance
- Motor vehicle liability insurance
- Animal owner liability (for dogs and horses)
- House and landowner liability
- Building owner liability
- Hunting liability
- Boat liability
- Water damage liability
Where do I enter the contributions in the tax return?
In the 2025 tax return, the contributions are entered in the pension expenses form as other pension expenses.
Important note: Observe maximum amounts
The tax effect depends on whether the maximum amount for other pension expenses has already been exhausted by contributions to health and nursing care insurance. This is often the case for employees.
Tip: Insurance cover still important
Even without a tax advantage, you should not forgo private liability insurance. Even a small oversight can lead to significant damage for which you are personally liable without insurance.
