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Car Insurance Calculator for Expats in Germany
You want just car insurance from us?
Honestly — probably not.
We are independent insurance brokers for Indian expats in Germany. We tell you what others won't. If you just want the calculator, scroll down.
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Is NEOdirect right for you?
- You want one English-speaking advisor for everything in Germany
- You want proper protection, not just the cheapest number
- You are ready to move all your contracts to us from the start
- You value full transparency, even when it is uncomfortable
- You have an agent you trust and want to keep
- You want the cheapest number, nothing else
- You want car insurance only, for now
- You prefer simple answers over accurate ones
Why we do not take every car insurance request
The economics do not work
A standalone car insurance policy for a new expat earns us around €15 to €25 per year after tax. Proper setup takes three to four hours. That is below minimum wage, with no foundation to serve you well.
We can only protect what we can see
If your agent holds your other contracts and you give us only the car insurance, we cannot see your full situation. We cannot protect someone partially. And we will not pretend we can.
Expat car insurance is genuinely complex
No German claims history means you start at zero. International licences add underwriting layers. Not every insurer covers this. The cheapest option is often the most dangerous one.
Transparency always loses against a sales pitch
A BMW dealer only tells you the good parts. An agent only explains the upsides. We have to explain everything — including what could go wrong. We will always seem like the harder choice next to someone who just says yes.
Some clients say: do the car insurance first and we will move everything else to you later. It has never happened. Not once. We stopped accepting this arrangement entirely.
Your agent is not on your side — and that is not their fault
An insurance agent works for an insurance company. By law their job is to sell that company's products. An independent broker like NEOdirect works for you. We are legally obligated to act in your interest and compare the entire market.
In English both roles often get called the same thing. And here is what surprises most people: some agents operate under a company name that sounds completely independent. "Global Insurance Services", "Expat Finance Group" — the name gives no indication of how they are legally structured. Underneath they are still tied to one or two insurers. What matters is whether they hold a Maklerzulassung, a broker licence. If they cannot show you that, they are an agent regardless of what their business card says.
English is also easier to use for obscuring insurance terms than German. A smooth explanation can quietly skip exactly the clauses that matter most when you need to make a claim. We have seen this happen.
What our clients say
76 five-star reviews on Google
"I worked with Navpreet for Private Pension Insurance. Throughout the entire process, my questions were answered with utmost patience and transparency. Instead of getting generic advice, I got something well-suited to my long term financial goals and family situation."
"Navpreet helped me to make an informed decision about my Disability Insurance. I had some special requirements which needed detailed investigation and in-depth research and Navpreet helped me with everything. I am very happy with the policy and the coverage."
"Firat and his teammates are very helpful. They helped me find the best deal for insurances, the team fully understands the problems and gives suggestions accordingly. I have been very satisfied with all the support I have received."
Car Insurance Calculator
Compare liability (Haftpflicht), partial cover (Teilkasko) and comprehensive cover (Vollkasko) rates across Germany. Sort it out yourself — and if you ever want the full picture, you know where we are.
How to get started with NEOdirect
We do not start with a sales call. We start by understanding where you actually stand.
Register with NEOdirect so we can set up your profile
Download the Simplr app — your digital insurance folder
Upload all your existing contracts and policies
We review everything and contact you within 2 business days
Step 1 — Register with NEOdirect
Please register first so we can set up your profile before you upload your contracts.
Register nowStep 2 — Download Simplr and upload your contracts
Photos of documents are fine. Once uploaded we will review everything and be in touch.
Send us a message
Tell us briefly about your situation and we will come back to you personally — no automated responses, no sales pitch.
