NEODIRECT: How Does It Work?

As insurance experts, we can assist you personally and digitally whenever you need us.
Neodirect offers transparency and ensures that you clearly understand your insurance matters. Furthermore, if necessary, we provide optimization proposals with competitive rates from the top insurance providers. These proposals are non-binding and free of charge.

Additionally, we offer the convenience of having all your insurance contracts conveniently organized in one app, providing a comprehensive overview.

Our guiding principle is simple:
We value your trust over the number of contracts you have. Our goal is to ensure your satisfaction, not just accumulate policies.

So funktioniert neodirect
Neodirect Kundenberatung

Competent advice from trained insurance brokers

At Neodirect, our team of insurance experts is here to provide you with reliable and knowledgeable guidance. We understand that the insurance world can be complex and overwhelming, which is why we are committed to being your constant companion on this journey.
We want to ensure that no question goes unanswered and that you have a thorough understanding of your insurance options.

We value your trust above all else, and our focus is on building a long-term relationship based on your needs, not simply maximizing the number of contracts. Our goal is to empower you with the information and resources you need to make informed decisions about your insurance coverage. In addition, we have an extensive network of industry experts who can provide specialized advice on various insurance topics.

With Neodirect, you can have confidence knowing that our team is dedicated to providing you with personalized service and ensuring that your insurance needs are met effectively.
Your peace of mind and satisfaction are our top priorities.

NEODIRECT: Your Personalized and Digital Insurance Companion

Unlock Savings and Optimize Performance with NEODIRECT: Your Path to Clarity and Financial Well-being

  • Comprehensive Contract Evaluation
  • Independent and Transparent Advice
  • Free of Charge Evaluation
  • Personalized Assistance, Anywhere

Please feel free to contact us today to start a journey toward clarity and financial peace of mind. Let NEODIRECT guide you towards contracts that perfectly fit your life situation. Together, we'll unlock the true potential of your insurance coverage.

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Harness the Power of Brokerage:
Empowering You with Expertise and Protection

Brokerage contract
The brokerage contract regulates the tasks we take over for you and your obligations as our client so as not to jeopardize your insurance coverage. This means that if something changes in your life, you have to tell us again so that you do not affect the insurance coverage or even overpay.
So it is essential, for example, to a new address or to communicate if you get married or have a child. The new address may change the risk of your home insurance, as there may be a different risk situation, such as flood areas or neighborhoods with a high burglary rate. By informing us about such changes, we ensure that your insurance policies are adjusted accordingly and that you receive optimal coverage.
Another example is that in the case of marriage or partnership, liability insurance for both is usually sufficient and thus, money can be saved. By notifying such changes, we can review the insurance conditions and make necessary recommendations to optimize your insurance costs and avoid unnecessary double payments.

I want you to know that regularly updating and communicating this information is essential to ensure that your insurance policies remain appropriate and that you receive full coverage in case of a claim. As your broker, we are here to assist you with this process and ensure you always enjoy the best insurance coverage possible.
Consent to data protection
Data protection is our top priority, and we attach great importance to ensuring the confidentiality and security of your data. However, to start our business relationship, we need your explicit consent to process your data and to share it with certain third parties, such as insurance companies, risk assessors, and other service providers. In addition, providers of comparison calculators and software programs may also have access to your data, but always in compliance with the applicable data protection guidelines.
Your consent to processing your data enables us to take the necessary steps to provide our services. We must emphasize that we handle your data responsibly and always ensure that all data protection guidelines are followed.

We would like to point out that you have the right to withdraw your consent or request certain restrictions regarding the processing of your data at any time. Please don't hesitate to contact us with any questions or concerns regarding data protection. We are available to provide you with more information and address your concerns.

Brokerage power of attorney
Data protection is our top priority, and we attach great importance to ensuring the confidentiality and security of your data. However, to start our business relationship, we need your explicit consent to process and share your data with certain third parties, such as insurance companies, underwriters, and other service providers. In addition, providers of comparison calculators and software programs may also have access to your data, but always in compliance with applicable privacy policies.

Your consent to process your data will help us to take the necessary steps to provide our services. We must emphasize that we will handle your data responsibly and ensure all privacy policies are followed.

You have the right to withdraw your consent or request certain restrictions regarding data processing at any time.
Please don't hesitate to contact us with any questions or concerns regarding data privacy. We will happily give you more information and help you understand your problems.

What is an insurance agent?

Insurance agents are always bound to specific providers and represent these to customers. Insurance agents work with one or sometimes several insurers and offer their products exclusively. Therefore, the advice to the customer can only include a limited range of providers.

Advantages insurance agent: Through a smaller range of products, he knows the respective services of its insurance company / s very well. Thus, the customer's needs can be determined optimally, and he knows the offered product's advantages and disadvantages.

english explanation of an insurance agent as an old man an two young customers
english explanation of insurance broker as a person of our young team

What is an insurance broker?

An insurance broker operates independently, without being tied to a specific insurance company, unlike an insurance agent who typically has a fixed contract with a company. This independence allows the broker to provide impartial advice.

The essential advantage of working with an insurance broker is their ability to offer various options from various insurers.
While it may not be feasible to consider every product from every provider in a single consultation, the broker can guide you in selecting the most suitable options and explain why certain providers should be considered.
Insurance agents and brokers earn their income through commissions for securing and supporting insurance contracts. The specific level of compensation varies depending on the provider. The benefit of commission-based payment is that customers do not incur additional costs for the advice, which would otherwise need to be paid upfront. However, it's worth noting that insurance brokers may also work on a fee basis, where you pay a fee for their advice regardless of whether an insurance contract is ultimately obtained.

brokerage contract is typically established to formalize the relationship and entrust the management of your insurance needs to the broker.
This contract defines the rights, responsibilities, and liability of both the broker and the customer, ensuring transparency and clarity in the working relationship.

Frequently asked questions - FAQ

What does an anonymous risk assessment mean

We always perform risk assessments for biometric risks anonymously and in advance. This means that we create an anonymous data record and forward only personal data such as date of birth, occupation, and health data to the underwriter of a selected insurance company. The health data will only be assigned to your "personal data" when you submit your application. So, we would also like to prevent your complete data from being sent to other systems.

What does the data processing declaration contain

You can find information on data processing at the following LINK.

Why does Neodirect need a brokerage contract and your brokerage power of attorney?

To hire an insurance broker, a brokerage contract is a prerequisite for cooperation. As the name suggests, both parties to the agreement - you and Neodirect - enter into a contract with each other. Components of this contract are, for example, the rights and obligations of each party. Neodirect, your insurance broker, is responsible for looking for the most suitable insurance coverage. On the other hand, you must inform your NEO (insurance broker) if something has changed in your life since we have no permanent insight into your private life. In the brokerage contract, the rights and obligations of both parties to the agreement are recorded. The broker's power of attorney is a part of this contract to take over the management of your arrangements. It authorizes us to optimize your insurance, for example, to cancel and conclude new contracts for you. Of course, this is only done with your consent and prior agreement, if you don't mind. An essential part of the contract is the possibility of canceling the contract. The contract can be terminated at any time by both parties. You are not bound to Neodirect with a minimum contract period, as you might be used to from other contracts. The cancellation also does not affect your insurance contracts, which remain entirely unaffected.

Why is a declaration of consent for data processing & release from the duty of confidentiality necessary for your brokerage contract/authorization?

The topic of data protection is also written down in the brokerage contract. The DSGVO (Data Protection Regulation) is particularly important in insurance matters. Meanwhile, it applies to many areas on the Internet and at the doctor's. You nowadays receive almost no services without your consent to process your personal data. As an insurance broker, we are also only allowed to work for you with this declaration from you. All the more, it is essential for you to know and trust your insurance broker. Especially in times of Corona, where much work is done from the home office, strict compliance with all data protection-relevant precautions is inevitable.

What is the advantage of the brokerage power of attorney?

You do not need to worry about your insurance by hiring an insurance broker. Your administrative work is almost eliminated. You don't have to check if the benefits of your insurance contracts are in line with the market, you don't have to write a letter of cancellation, you don't have to take care of the optimization of your contracts, you don't have to report any damage to the company. So many advantages for you if your insurance broker takes over this. In Germany, moreover, the full service you get through an insurance broker is free of charge, priced into the premium, and does not cost you a single cent extra. Therefore, the question arises why you should manage your insurance via a comparison portal or transfer the contracts to an utterly foreign broker with the help of an app. We want to work entirely transparently and at eye level with you, not via call center agents and bots. So you always have an actual insurance broker as a contact person who is there for you when you need him. In addition, we offer the possibility to manage your contracts via our Simplr - App and to be always informed day and night, 24 hours a day.

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