Originally Posted by thomsoro

Hint: just check, what is a service contract (Dienstvertag) and setoff (Aufrechnung) according to German civil law, it works different in other countries. This is what I wrote before: if someone makes a fault, which is triggering a chain of events this person can be charged for that. So, if you ask your bank to make charge back on your credit card because of damages made by an airline, airline sues you but you can ask to set off which will be analyzed by the court.

Insurance is of course useful and it allows avoiding the proceedings described above.