Third Party Liability Insurance when Touring by Bicycle in Germany

Now that the lockdown in the UK is being loosened, holidays abroad have become feasible. Germany is an excellent place to cycle with 1000s of kilometre cycle routes, reasonably priced accommodation and dining. Something to bear in mind while planning a German tour is that the majority of Germans have taken out a Haftpflichtversicherung - a third party liability insurance that covers claims against the holder for damage to person or property and the legal costs arising. An accident to third parties can be eye-wateringly expensive in Germany. It's an excellent wheeze to have a third party liability insurance yourself. If you don't and you damage somebody else's property or person in Germany, the injured party's insurance will be talking to my learned friend quicker than you can say knife. We have a liability insurance policy from our (German) bank. 

This type of insurance does not seem to be usual as such in the UK, but cover is often provided under other insurance policies, for example, travel insurance policies may cover you for accidents that may happen while you are abroad, but it's better to check before you leave home. Members of Cycling UK have third party insurance that will guard against claims made by others for any accidental damage or injury caused by you or your bike. With third party liability insurance, you are covered for any claims made against you for damage or injury. Cycling UK members are automatically covered up to £10 million by this policy. Electric pedal bikes are also included.