Housing and rental disputes
Get legal support for covered disputes with your landlord, such as rental deposits, repairs, rent increases or other tenancy issues.
Settling into Germany
Legal protection insurance, built for Indian expats
Rechtsschutzversicherung
A dispute with a landlord, an employer, or after a traffic incident gets expensive once lawyers and courts are involved. Legal protection carries those costs and gives you a clear route to advice in English.
Legal insurance explained
Why Indian expats need this cover?
Legal protection insurance helps cover the cost of legal disputes, including lawyer and court fees. For Indian expats, it can be especially useful when dealing with unfamiliar German laws, contracts and formal procedures.
Work-related disputes
Get support with covered employment disputes involving dismissal, salary, job references or your employment contract, subject to the applicable waiting period.
Protection from high legal costs
Lawyers, court proceedings and expert opinions can quickly become expensive. Legal protection insurance helps protect you from having to carry these costs alone.
Why it matters
Why legal protection matters in Germany
Life in Germany comes with contracts, formal letters and deadlines that are not always easy to navigate, especially in a new country. Having legal protection means you can get professional help when you need it without worrying about the full cost of a dispute.
01
Legal disputes can get expensive
Even an everyday disagreement can lead to lawyer fees, court costs or expert opinions that quickly add up.
02
Early advice makes a difference
A quick legal check can help you understand your options and respond correctly before a deadline or disagreement becomes a bigger problem.
03
Legal issues are part of everyday life
Whether it is your home, your job or a contract you signed, many situations in Germany are handled formally. Having someone who understands the legal side can give you confidence.
For Indian expats
Legal situations that can catch expats by surprise
When you are new to Germany, even everyday situations involving your home, job or contracts can become complicated. Legal protection gives you access to professional help when you are unsure what to do next.
Already have legal insurance?
Not sure whether your previous insurance qualifies? Let us check your existing policy.
Check my existing policy
Problems at work
Dismissal, unpaid salary or problems with your employment contract can be difficult to handle, especially in a new country. Legal protection gives you access to professional support when you need it.
Problems with your landlord
Deposit deductions, rent increases, repairs or a disputed notice can quickly lead to conflict. Legal protection helps you understand your rights and take the right next step.
Traffic and accident disputes
An accident or traffic dispute can quickly become complicated. Legal protection can help you defend your position and deal with resulting legal issues.
Everyday contract disputes
A phone contract, online purchase or disagreement with a tradesperson can turn into a legal dispute. Legal protection gives you access to professional advice when you need it.
Client testimonial video
Coming soon
From our clients
“My landlord tried to keep most of my deposit when I moved out. NEOdirect had set me up with tenancy legal protection, found a lawyer who wrote to him in German, and I got the money back without ever stepping into a court.”
Priya · Software engineer, Munich · Legal protection client since 2024
Compare tariffs
See how our recommended NRV plan compares
We've compared our recommended NRV plan with two ARAG alternatives to make the key differences easy to see. Prices shown are annual family premiums based on the deductible listed.
ARAG T24 Aktiv Komfort
€406,15
per year, family cover
NRV 2026 Plus XXL
€570,11
€380,06
with NEOdirect · per year, family cover
ARAG T24 Aktiv Premium
€578,03
per year, family cover
Included
Not included
Benefit
ARAG Komfort
NRV Plus XXL
ARAG Premium
Deductible per claim
ARAG Komfort300 € or 150 €
NRV Plus XXL150 €
ARAG Premium300 € or 150 €
How the deductible works
ARAG KomfortIt is 300 € and drops to 150 € once you instruct a lawyer that the insurer suggests.
NRV Plus XXLIt falls away after a mediation that did not settle the matter, provided the policy has run claim free for three years, and it stays waived if you still need a lawyer afterwards.
ARAG PremiumIt is 300 € and drops to 150 € once you instruct a lawyer that the insurer suggests.
Deductible across several types of claim
ARAG KomfortCharged only once.
NRV Plus XXLCharged only once, and waived for a claim that happens abroad.
ARAG PremiumCharged only once.
Premium pause if you lose your job
ARAG KomfortAvailable for a surcharge, for up to five years.
NRV Plus XXLNot included
ARAG PremiumAvailable for a surcharge, for up to five years.
Private and contract matters
ARAG KomfortNone when you move across from a previous policy without a gap, otherwise three months depending on the type of cover.
NRV Plus XXLTwo months, with no wait at all for damages, criminal, regulatory offence, victim, disciplinary, and family or inheritance advice claims. The wait is dropped entirely when you switch insurer, new risks included.
ARAG PremiumNone when you move across from a previous policy without a gap, otherwise three months depending on the type of cover.
Employment law
ARAG KomfortNone on a gapless switch, otherwise three months.
NRV Plus XXLTwo months, and dropped when you switch insurer, new risks included.
ARAG PremiumNone on a gapless switch, otherwise three months.
Traffic law
ARAG KomfortNo waiting period
NRV Plus XXLNo waiting period
ARAG PremiumNo waiting period
Private and professional life
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Traffic and vehicles
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Home and tenancy you live in
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Contract and property law
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Tax matters before the courts
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Administrative and social court
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Criminal legal protection
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Victims of violent crime
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Private internet use
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Owner-occupied home elsewhere in the EU
ARAG KomfortOne unit covered
NRV Plus XXLNot included
ARAG PremiumOne unit covered
Family and inheritance advice
ARAG KomfortUp to 250 €
NRV Plus XXLUp to 1.000 €
ARAG PremiumUp to 1.000 €
Family and inheritance in court
ARAG KomfortNot included
NRV Plus XXLUp to 1.000 €
ARAG PremiumUp to 10.000 €
Maintenance disputes
ARAG KomfortNot included
NRV Plus XXLUp to 30.000 € in court, after a one year wait.
ARAG PremiumNot included
Phone legal advice
ARAG KomfortA free advice hotline together with the insurer's online legal service.
NRV Plus XXLThe JURCALL hotline puts you through to independent lawyers for any legal question, as often as you like, Monday to Friday from 8:00 to 20:00.
ARAG PremiumA free advice hotline together with the insurer's online legal service.
Mediation
ARAG KomfortUp to 3.000 € per mediation, and up to 6.000 € a year.
NRV Plus XXLUp to 2.000 € per mediation, and up to 4.000 € a year.
ARAG PremiumUp to 3.000 € per mediation, and up to 6.000 € a year.
Free choice of lawyer
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Corresponding lawyer for a distant court
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Opponent costs, witnesses and experts
ARAG KomfortIncluded
NRV Plus XXLIncluded
ARAG PremiumIncluded
Enforcement measures
ARAG KomfortThree within five years.
NRV Plus XXLThe first three measures.
ARAG PremiumThree within five years.
Overall cover sum in Europe
ARAG KomfortUnlimited
NRV Plus XXLUnlimited
ARAG PremiumUnlimited
Countries covered
ARAG KomfortWorldwide
NRV Plus XXLWorldwide
ARAG PremiumWorldwide
Worldwide cover sum
ARAG KomfortCovered, billed at German lawyer rates.
NRV Plus XXLCovered without limit, billed at German lawyer rates.
ARAG PremiumCovered, billed at German lawyer rates.
Time abroad
ARAG KomfortNo limit within Europe, and up to twelve months elsewhere.
NRV Plus XXLNo time limit anywhere.
ARAG PremiumNo limit within Europe, and up to twelve months elsewhere.
Bail loan
ARAG Komfort500.000 € worldwide, unlimited within Europe.
NRV Plus XXL300.000 €
ARAG Premium1.000.000 € worldwide, unlimited within Europe.
Criminal bail
ARAG KomfortIncluded
NRV Plus XXLUp to 300.000 €
ARAG PremiumIncluded
Extended internet protection
ARAG KomfortNot included
NRV Plus XXLIncluded, with an unlimited cover sum.
ARAG PremiumNot included
Cyber phone advice
ARAG KomfortNot included
NRV Plus XXLJURCALL hotline for any legal question.
ARAG PremiumNot included
Cyber mediation
ARAG KomfortNot included
NRV Plus XXLUp to 2.000 € per mediation, and up to 4.000 € a year.
ARAG PremiumNot included
Deletion service and reputation check
ARAG KomfortNot included
NRV Plus XXLIncluded
ARAG PremiumNot included
Copyright protection for private use
ARAG KomfortNot included
NRV Plus XXLUp to 750 € a year.
ARAG PremiumNot included
Source: plan comparison dated 14 June 2026. The cover score reflects how completely each plan met the criteria in that comparison, out of a possible 243 points. These figures are a guide; the insurer's policy conditions always apply.
Included in our free service
We manage these policies at no extra cost
These policies are managed by us at no extra cost. If you want, we include Ongoing support for these policies is included in our free service and clearly documented in your broker agreement.
- Contract review included
- German paperwork handled
- Support when your life changes
Good to know
What legal protection usually doesn't cover
Legal protection covers many everyday disputes, but not every legal issue is included. Knowing the main exclusions upfront helps you understand where your cover starts and where it ends.
Existing disputes
A dispute that started before your cover began is generally not covered. This is why it makes sense to arrange legal protection before you actually need it.
Immigration and residence matters
Visa, residence permit and other immigration matters are generally not included in standard private legal protection and may require a specialist lawyer.
Fines and penalties
Legal protection may cover the legal costs of challenging certain fines. The fine or penalty itself is not covered.
Certain specialist matters
Some areas, such as business activities, construction projects or other specialist legal matters, may not be included and can require separate cover.
How it works
From a few answers to your legal cover
Use our cover finder to see the right option and your exact price. If it fits, you can apply online and we'll be there for you afterwards.
-
Find your cover
Tell us who needs cover and choose your preferred deductible. In less than a minute, you'll see the option that fits.
-
See your price and apply
Review your exact price, key benefits and waiting periods. If everything looks right, continue with your application online.
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Get covered and stay supported
Once your policy starts, you're not on your own. NEOdirect stays by your side for questions, policy changes and support when a legal issue comes up.
Why NEOdirect
More than just buying a policy online
Getting legal protection online is easy. The difference is having someone who helps you understand your cover and stays available when you actually need it.
Advice that makes sense
We explain the important details in clear English, including what is covered, waiting periods and deductibles, so you know what you are choosing.
Selected with expat life in mind
We focus on plans that provide strong protection for situations that matter when living and working in Germany.
Support beyond the purchase
Our relationship does not end when your policy starts. We remain available for questions, changes and ongoing support.
Help when a legal issue starts
If a problem comes up, we help you understand the next steps and how to access the legal services included with your policy.
YOUR NEODIRECT ADVANTAGE
40%
Total discount
Legal protection at your NEOdirect price.
Choose who you would like to protect and your deductible to see both payment options in two quick steps.
Step 1 of 2
Who would you like to protect?
2 quick steps · No obligationNo contact details required
Step 2 of 2
Which deductible would you like?
The deductible is the part of a claim you cover yourself. A higher one lowers your premium.
YOUR NEODIRECT PRICE
Your price, in two quick steps.
Choose who to cover and your deductible. See the price for both payment methods before you decide.
From €27,18 per month when paid monthly
Or €301,81 per year when paid annually
Single cover · 250 € deductible
YOUR NEODIRECT PRICE
€0,00
per year · paid annually
Annual payment€0,00 / year
Monthly equivalent of the annual price€0,00 / month
Actual monthly payment€0,00 / month
Single tariff · 250 € deductible
What this includes
- Private and professional disputes (Privat und Beruf)
- Traffic and accidents (Verkehr)
- Home and tenancy (Wohnen und Grundstück)
- Free JURCALL legal hotline
Paying monthly costs more than paying once a year. The monthly equivalent above is the annual price divided by twelve. We confirm the exact cover and waiting periods during your free check.
We arrange this cover through NRV. An adviser confirms your exact premium, cover scope, and waiting periods during the free check.
JURCALL legal advice
Get legal advice before a problem gets bigger
With JURCALL, NRV customers can speak to independent lawyers when legal questions come up. Get an initial assessment, have documents checked or simply understand your options before deciding what to do next.
Legal advice by phone
Speak directly with an independent lawyer and get an initial assessment of your legal question.
Fine check
Have a traffic fine reviewed to understand whether challenging it could make sense.
Contract & document check
Have contracts and important documents reviewed before you sign.
Termination agreement check
Get an employment-law review of your Aufhebungsvertrag before agreeing to it.
Advice by email
Send your legal question in writing and receive legal guidance by email.
Chat with a lawyer
Get legal guidance in writing through JURCALL's online chat.
Good to know: NRV covers the cost of JURCALL advice by phone, online and chat. Using these services generally does not count as a legal protection claim, with the exception of online advice by email.
Who provides your cover
NRVYour legal protection insurance is provided by NRV (Neue Rechtsschutz-Versicherung). As your independent insurance broker (Versicherungsmakler), NEOdirect represents your interests and recommends this cover because we believe it offers strong protection and services for expats living in Germany.
400+
Happy expats covered with NRV
5.0 from 90 Google reviews
Good to know
What this policy does not cover
Legal protection helps with covered disputes, but some situations fall outside standard private cover. It is better to know the limits upfront, so there are no surprises later.
❌ Disputes that already existed
If a conflict had already started before the policy began, it cannot be insured afterwards. That is why legal cover works best when arranged before trouble appears.
❌ Immigration and residence matters
Issues about visa status, residence permits, or your immigration file are usually not part of standard private legal protection. These cases normally need a specialist immigration lawyer.
❌ Fines you accept
Legal protection can help if you want to challenge a fine. It does not cover paying a fine that you accept without dispute.
❌ Some specialist matters
Areas such as building your own home, business matters, or highly specialised legal topics may require separate arrangements depending on the case.
How it works
From a few answers to active cover
Use the cover finder to choose who should be covered and what deductible you prefer. We then show your setup clearly, so you can review the price, understand the waiting periods, and sign online in just a few steps.
-
Answer a few quick questions
Choose who should be covered and the deductible you prefer. It takes less than a minute to get started.
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See your setup and price
You will see the recommended cover, your monthly premium, and the key points that matter before you decide.
-
Sign online in English
We guide you through the application in a clear way, so you can complete the setup confidently and without paperwork confusion.
-
We stay here if needed
If questions or disputes come up later, you still have support in English through NEOdirect and the policy services included with your cover.
Why NEOdirect
Why expats set this up with us
You can complete legal protection online in a few steps. What matters is understanding what you are buying, choosing the right setup, and knowing you still have support later if something goes wrong.
Clear setup, not guesswork
We show what is included, what is optional, and where waiting periods apply, so you do not sign up without understanding the details.
Built around expat situations
The recommendation reflects the disputes expats are most likely to face in Germany, from work and housing to everyday contracts.
English support when it matters
You can complete the setup online, but if questions or disputes come up later, you still have support in English.
A smoother path if problems start
If a dispute arises, we help you take the next step, understand the process, and use the support included with your policy.
Included with your tariff
With JURCALL you always have a lawyer on call
Your JURCALL card connects NRV customers to experienced, independent lawyers whenever a legal question comes up, and you can use it as often as you need guidance.
Legal advice by phone
Talk through any legal question with an independent lawyer, in any area of law.
Fine check
JURCALL checks whether a traffic fine is worth challenging before you pay.
Advice by email
Send your question in writing and get guidance by email for covered matters.
Chat advice
Get quick written answers through live chat whenever it suits you.
Termination agreement check
JURCALL reviews your Aufhebungsvertrag under employment law before you sign.
Contract and document check
Have a contract or document checked before you commit to it.
NRV covers the cost of advice by phone, online, and chat, and using JURCALL does not count as a legal-protection claim, apart from the online advice by email.
Who provides your cover
NRVYour legal protection insurance is provided by NRV (Neue Rechtsschutz-Versicherung). As your independent insurance broker (Versicherungsmakler), NEOdirect represents your interests and recommends this cover because we believe it offers strong protection and services for expats living in Germany.
400+
Happy expats covered with NRV
5.0 from 80 Google reviews
Get the right cover in place before a dispute starts. Let’s keep it simple.
No German required. Tell us what matters in your life here, and we will recommend the right cover and set it up with you, often the same day.
NEOdirect · Insurance broker for expats in Germany
FAQ
Questions Indian expats ask us most about legal protection
It is not required by law, yet many residents arrange it because a single employment or tenancy dispute can cost more than years of premiums, and it removes the worry of legal bills when you need to act on a fair claim.
Most disputes carry a waiting period of two months from your start date, so it is worth arranging cover early rather than once a problem has already appeared. We confirm the exact waiting periods for your modules before you sign.
Our NRV plan starts at €301,81 a year for a single person and €348,79 for a family, both at the 250 € deductible and including the current NEOdirect price. A 150 € deductible raises the premium a little. We confirm your exact price and scope on the free check.
The plan combines private and professional disputes with traffic cover and protection for your home, and an optional XXL building block adds out-of-court support and higher limits. We walk you through what is included and confirm the scope with you before you sign.
Depending on the plan, your family is included on one policy for everyday private disputes, so you do not arrange a separate contract for each person at home.
JURCALL is a free legal hotline included with the cover. You reach an experienced lawyer at any hour for an initial assessment, with no claim to file, so you can check where you stand before you act.
Yes. For covered matters you can pick your own lawyer, and we can also point you to a specialist from a nationwide network if you would prefer a recommendation.
XXL extends most modules to out-of-court legal protection and raises the service limits, so advice and negotiation are covered well before a matter would ever reach a courtroom.
Usually yes. We review your existing cover, and if the NRV modules fit you better we handle the change and the timing, so you are never left with a gap.
We chose NRV because its broad cover and free hotline work well for expats, so once we found a strong fit we would rather give you a clear recommendation than a long spreadsheet.
Get the right cover in place before a dispute starts. Let’s keep it simple.
No German required. Tell us what matters in your life here, and we will recommend the right cover and set it up with you, often the same day.
NEOdirect · Insurance broker for expats in Germany