Anyone who causes damage out of carelessness or recklessness has to pay for it with their current or future assets. This does not only apply to minor damage such as red wine stain on the carpet, but also to serious accidents and destroyed buildings. Small animals are included in the basic cover. Dogs, for example, have to be included separately. You can take out a five-year or one-year contract. In comparison, the 5-year contract is 10 % cheaper. As long as you do not cancel the contract, it is constantly extended for one more year. If you leave Germany again, the contract will be terminated at the time of deregistration and any excess amounts will be paid back.