Personal Liability Insurance in Germany

Overview

Why Indian expats need this cover?

Personal liability insurance (Privathaftpflichtversicherung) pays for the damage and injury you accidentally cause to other people and their property, so that one everyday mistake does not become a debt you carry for years.

Best-performance guarantee

If a comparable tariff on the market offers a stronger benefit than yours, Premium pays to that higher standard at no extra cost.

Glass damage in a rented flat

If glass in the flat you rent breaks and you have no household contents insurance, the cover handles the repair up to 100 euros.

Only at NEOdirect

Free cover for your visiting parents

In Indian culture, family comes first. When your parents visit you in Germany on a tourist visa, they are fully covered under your policy at no extra cost.

Cancel any day

You are not locked into a long contract, so you can cancel the policy on any day once your situation changes.

Why it matters

Why personal liability is the first cover expats arrange

Liability in Germany works differently from what many newcomers expect, because the law makes you answerable for the full cost of harm you cause, however small the mistake. A child knocking over a shop display, a spilled drink on someone's laptop, or a moment of distraction on a bike can each lead to a serious claim, and the insurance turns that open-ended risk into a fixed cost of a few euros a month.

up to €50 Mio

Premium covers damage you cause to others up to 50 million euros, and Exklusiv up to 30 million, so even a serious injury claim that would otherwise follow you for life is carried by the insurer instead.

From €4,20

Cover starts at only a few euros a month and stays low, because personal liability is one of the cheapest forms of protection relative to the risk it removes.

01

German law holds you liable without a cap

Under German law you answer for the damage you cause to others with your present and future income and assets, so the risk has no natural ceiling. Personal liability insurance is what gives that risk a limit you can live with.

02

One policy protects your whole household

A single tariff can cover you, your partner, and your children together, so you do not arrange a separate contract for each person at home, and everyone is protected under the same cover.

03

It costs little and travels with you

Cover runs from only a few euros a month and stays with you on holidays and shorter stays abroad, which is why most expats set it up in their first weeks in Germany.

For Indian expats

The cover that matters most in your first years here

We built our tariff around what actually goes wrong for expats settling into Germany, rather than a generic checklist. These are the four areas where a claim is most likely to land, and where our cover is deliberately strong.

Lost keys are covered

Schlüsselverlust

If you lose the keys to your apartment building or your office, the owner can charge you for re-keying the whole system, which often runs into thousands of euros. Our tariff covers this, including keys you are given to hold for work.

Damage to things you borrow

geliehene Sachen

Drop a friend's notebook or break something you were lent, and you are expected to replace it. Many basic tariffs leave borrowed items out, while ours covers damage to the things friends and others lend you.

Injury you cause to others

Personenschäden

If you injure someone, for example in a cycling accident, the medical costs, their lost income, and any ongoing care can reach six figures. This is the core risk personal liability is built to carry for you.

Damage to your rented flat

Mietsachschäden

Scratch the parquet, crack a fitted basin, or damage a built-in kitchen in your rented apartment, and your landlord can hold you responsible. Our tariff includes this damage to the home you rent.

Client testimonial video

From our clients

“I lost the keys to my office building in my first month and the landlord wanted to re-key the whole floor. NEOdirect had set me up with a tariff that covered it, and they handled the claim in German while I just got on with work.”

Arjun · Product manager, Berlin · Liability client since 2024

Compare tariffs

What your cover includes

One policy handles the everyday risks that come with living in Germany, from a lost set of keys to damage you cause on a trip home.

Damage in your rented home

If you damage the flat you rent, from a scratched floor to a broken fitting, your cover handles the cost.

Lost keys, private or work

Losing a private or office key can mean replacing a whole locking system, and your cover takes on that bill.

Injury to other people

If someone is hurt because of you, the cover pays their medical and related costs up to your sum insured.

Passive legal protection

When a claim against you is not justified, we defend it on your behalf and carry the legal costs.

Rental car deductible

If you damage a hired car or van, the cover takes on the deductible from its own insurance, so a dent does not leave you paying the full excess.

Glass damage in a rented flat

On Premium, if glass in the flat you rent breaks and you have no household contents insurance, the cover handles the repair up to 100 euros.

Premium or Exklusiv, both built for expats

Premium gives you the widest cover and the best-performance guarantee, while Exklusiv keeps the essentials at a lower price.

Premium Most cover

Exklusiv

Cover sum for damage to others €50 Mio €30 Mio

Best-performance guarantee

Lost work keys

Damage at your workplace Up to €1 Mio Up to €2.500

Lost car and safe keys

Rental car deductible Up to €1.000

Price from, per month €5,51 €4,20

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 them in our free service and confirm it clearly in our broker agreement.

Contract review included
German paperwork handled
Support when your life changes

View sample broker agreement See what is included in our service

Every feature in Premium and Exklusiv

Here is everything both plans cover, written in plain words and grouped by topic so you can see where Premium and Exklusiv are different.

Download all features as PDF

Included Not included

Benefit Premium Exklusiv

If you switch to us, you stay coveredIf something happens right after you switch and the exact date is unclear, we still pay PremiumIncluded ExklusivIncluded

Cover for the gap between your old and new policy PremiumIncluded ExklusivNot included

How easily you can cancel PremiumAny time at renewal ExklusivOne month before renewal

Your own share of a claim disappears over timeIf you agreed to pay part of each claim yourself, that part goes away PremiumAfter 5 claim-free years ExklusivAfter 5 claim-free years

Meets the official industry standardAny difference from the standard terms is always in your favour PremiumIncluded ExklusivIncluded

We pay like a better policy wouldIf another standard policy would have covered your claim better, we match it PremiumIncluded ExklusivNot included

The same 'we match a better policy' promise for claims abroad PremiumUp to €100.000 ExklusivNot included

Using this promise keeps your normal cancellation rights PremiumIncluded ExklusivIncluded

You get future improvements for freeIf we improve the policy later, you get the better terms at no extra cost PremiumIncluded ExklusivIncluded

You keep what your old policy covered PremiumIncluded ExklusivIncluded

We pay for a brand-new replacement, not the used valueThe item can be at most 24 months old. For electronics and glasses, at most 6 months PremiumUp to €5.000 ExklusivNot included

The most we pay for injury, damage, or money lossUp to €15 Mio for each injured person Premium€50 Mio Exklusiv€30 Mio

Cover for new risks you take on during the year Premium€10 Mio Exklusiv€10 Mio

If someone harms you and cannot pay, we step inWe pay you the damages a court awarded, up to your cover amount PremiumIncluded ExklusivIncluded

Legal help to actually get that money PremiumNo minimum amount, nothing to pay yourself ExklusivOnly for claims over €1.000

Also covers cases caused on purpose or by an animal owner PremiumIncluded ExklusivIncluded

Covers money your health or social insurer asks back after an injury PremiumIncluded ExklusivIncluded

Pays for your legal defence in a related court case PremiumIncluded ExklusivIncluded

Damage to things at your workplace PremiumUp to €1.000.000 ExklusivUp to €2.500

Damage to rooms or buildings you rent PremiumIncluded ExklusivIncluded

Damage to items you rent, borrow, or lease PremiumIncluded ExklusivIncluded

Damage in holiday flats and hotels PremiumIncluded ExklusivIncluded

Damage, loss, or theft of bikes and e-bikes you rent or borrow PremiumIncluded ExklusivUp to €100.000

Damage that builds up slowlyFor example from heat, gas, steam, damp, smoke, soot, or dust PremiumIncluded ExklusivIncluded

Losing someone's house key PremiumIncluded ExklusivIncluded

Losing a key from your job PremiumIncluded ExklusivIncluded

Losing a key you hold for volunteer work PremiumIncluded ExklusivIncluded

Replacing your own locks after a key is lost PremiumUp to €10.000 ExklusivUp to €1.000

Losing someone's car, safe, or furniture key PremiumIncluded ExklusivNot included

Extra costs after losing a work or official key PremiumUp to €10.000 ExklusivNot included

Damage to other cars while loading or unloading PremiumUp to €5.000 ExklusivUp to €2.500

Your share of a claim on a rented or shared carCar sharing is included PremiumUp to €1.000 ExklusivNot included

Extra cost when someone's car insurance gets pricier after your damage PremiumUp to €1.000 ExklusivNot included

Using the internet without needing special safety steps PremiumIncluded ExklusivIncluded

Slow vehicles and machines up to 20 km/h that need no insurance PremiumIncluded ExklusivIncluded

E-bikes, golf carts, kids' vehicles, and mobility scooters that need insuranceWe pay if no other insurance does PremiumIncluded ExklusivIncluded

Model planes and kites up to 5 kg that need no insurance PremiumIncluded ExklusivIncluded

Drones up to 5 kg that need insurance PremiumIncluded ExklusivIncluded

Surfboards you own or borrow PremiumIncluded ExklusivIncluded

Sailing boats without a motor that you own or borrow PremiumYour own up to 30 m² sail ExklusivYour own up to 25 m² sail

Sailing boats with a small motor that you own or borrow PremiumUp to 11.03 kW (15 hp) ExklusivUp to 11.03 kW (15 hp)

Your own motor boats PremiumUp to 11.03 kW (15 hp) ExklusivUp to 11.03 kW (15 hp)

Borrowed motor boats you use now and then, where no licence is needed PremiumIncluded ExklusivIncluded

Borrowed jet skis PremiumIncluded ExklusivIncluded

Damage to boats you rent or borrow PremiumIncluded ExklusivIncluded

Kitesurfing gear PremiumIncluded ExklusivIncluded

Putting the wrong fuel in a borrowed car PremiumUp to €5.000 ExklusivUp to €5.000

Cars you rent abroad (Mallorca cover) PremiumIncluded ExklusivIncluded

Damage from substances that pollute waterSmall containers up to 150 l or kg, as long as you store less than 1.500 in total PremiumIncluded ExklusivIncluded

Damage from your home's waste water PremiumIncluded ExklusivIncluded

Damage from a private cesspit PremiumIncluded ExklusivIncluded

Damage from your oil tank PremiumIncluded ExklusivIncluded

Looking after someone's dog or horse PremiumIncluded ExklusivIncluded

Using horse-drawn carts PremiumIncluded ExklusivIncluded

Keeping allowed exotic pets at home, such as snakes, spiders, or scorpions PremiumIncluded ExklusivIncluded

Owning a guide or assistance dog PremiumIncluded ExklusivIncluded

Keeping a few farm animals for yourself, such as cows, sheep, pigs, or chickens PremiumIncluded ExklusivNot included

Babysitting for free PremiumIncluded ExklusivIncluded

Looking after children as a paid job PremiumYes, up to €10 Mio ExklusivIncluded

A small side job you run yourselfTrades, medical, planning, building-site, and advice work do not count PremiumTurnover up to €22.000 a year ExklusivTurnover up to €12.000 a year

Volunteering PremiumIncluded ExklusivIncluded

Volunteering at the fire brigadeWe pay if no other insurance does PremiumIncluded ExklusivIncluded

Acting as a volunteer guardian or carer PremiumIncluded ExklusivIncluded

Internships and hands-on training, including tools and machines PremiumIncluded ExklusivIncluded

Damage while helping someone out PremiumIncluded ExklusivIncluded

When others help you in an emergency PremiumIncluded ExklusivIncluded

If you work as a teacher PremiumIncluded ExklusivNot included

If you work in public service, such as admin, fire, rescue, army, or police PremiumAdd on for a small extra fee ExklusivNot included

The most we pay for injury or damage at that job Premium€10 Mio ExklusivNot included

The most we pay for money loss at that job Premium€100.000 ExklusivNot included

Using the internet at work PremiumUp to €1.000.000 ExklusivNot included

If you damage a work vehicle and your employer asks you to pay PremiumUp to €100.000 ExklusivNot included

Losing a work or official key PremiumIncluded ExklusivNot included

Damage from a service weapon PremiumIncluded ExklusivNot included

Losing government property PremiumUp to €100.000 ExklusivNot included

Still covered for up to 5 years after you leave the job PremiumIncluded ExklusivNot included

Short work stays abroad up to 2 years PremiumIncluded ExklusivNot included

Building or renovating your own placeCovers new builds, conversions, repairs, demolition, and digging, including help from you and neighbours. No limit for the home you live in PremiumBuild cost up to €1.000.000 ExklusivBuild cost up to €500.000

Your own holiday home in Germany PremiumIncluded ExklusivIncluded

Your own holiday home elsewhere in Europe PremiumIncluded ExklusivIncluded

Empty land, an orchard meadow, or a shared garden plot you own PremiumTotal area up to 20.000 m² ExklusivTotal area up to 10.000 m²

Renting out a room or a small flat in your home PremiumIncluded ExklusivIncluded

Renting out flats, holiday homes, garages, or parking spaces in Europe PremiumYes, for private (not business) renting ExklusivYes, for private (not business) renting

Running solar panels, heat pumps, or small wind systems PremiumIncluded ExklusivIncluded

Selling that power back to the grid PremiumIncluded ExklusivIncluded

We won't claim back from family who co-own the place PremiumIncluded ExklusivIncluded

Help settling disputes about your property PremiumUp to three sessions of 2 hours ExklusivNot included

If your land sinks or slides PremiumYes, within your private cover ExklusivYes, within your private cover

If you wrongly use someone's name or image PremiumIncluded ExklusivIncluded

We pause your payments if you lose your job PremiumIncluded ExklusivNot included

Claims from people who work in your home PremiumIncluded ExklusivIncluded

Your husband or wife and your children PremiumIncluded ExklusivIncluded

Your partner and their children PremiumIncluded ExklusivIncluded

Grown-up single children living at home after their studies PremiumIncluded ExklusivIncluded

Other relatives living with you PremiumIncluded ExklusivIncluded

Au pairs and exchange students PremiumIncluded ExklusivIncluded

Parents and grandparents in a care home PremiumIncluded ExklusivIncluded

Damage caused by very young children PremiumIncluded ExklusivIncluded

Damage caused by others who can't be held responsible PremiumIncluded ExklusivIncluded

When young grandchildren break your own things PremiumUp to €1.000 ExklusivNot included

If covered family members hurt each other PremiumIncluded ExklusivIncluded

Single plan PremiumCovers you alone ExklusivCovers you alone

Couple plan PremiumCovers you and your partner ExklusivCovers you and your partner

Single-parent plan PremiumCovers you and your children ExklusivCovers you and your children

In Europe PremiumNo time limit ExklusivNo time limit

Rest of the worldYou need a registered German address PremiumUp to 5 years ExklusivUp to 5 years

Bail money anywhere in the world PremiumIncluded ExklusivUp to €100.000

“Included” means we cover it up to your plan’s maximum amount. If a smaller limit applies, you will see that amount instead. This is a simple summary; the full rules are in your policy.

Good to know

What personal liability does not cover

Personal liability covers harm you cause to other people and their things, so a few situations sit outside it by design. Here are the main ones, so nothing catches you off guard later.

❌ Damage to your own property is not a liability claim

A locksmith for your own locked door is your own cost, not harm to someone else. Losing the keys to a building you do not own, like your rented block, is covered.

❌ Anything you do on purpose

Deliberate damage is never covered, because the cover is there for genuine accidents and honest mistakes.

❌ Your car on the road

Damage you cause while driving falls under motor insurance (Kfz-Haftpflicht), a separate legal requirement. Personal liability handles everyday life off the road.

❌ Work you are paid for

Claims from your professional work usually need separate business cover, so we flag it whenever your job calls for it.

How we work

From the finder to active cover

Because we offer one strong liability tariff rather than running a market comparison, you can find and complete your cover yourself in minutes, and protection often starts within the same week.

NEOdirect advisor helping a client get insured

Find my tariff

Answer a few questions in the finder

A couple of minutes

Tell the tariff finder above who needs liability cover and what matters most to you, with no documents needed.
Get the right cover

Clear recommendations

The finder shows you the right variant of our Phönix tariff, Premium or Exklusiv, with the monthly price and a plain English summary of what it covers.
100% Digital & Paperless

Always here when you need us

No German “Bürokratie”. Get your insurance certificate instantly via email, valid for your landlord or visa extensions if needed.

Why NEOdirect

Why expats choose to set this up with us

Liability cover is cheap, so the value of a broker is not the price, it is getting the right cover and someone who fights your corner when a claim lands. Here is what working with us actually gives you.

One tariff we stand behind

Rather than overwhelm you with offers, we recommend a single tariff we built for expats and genuinely trust, so the choice stays simple and the cover stays strong.

Built around Indian expat life

The cover reflects what actually goes wrong in your first years here, from lost building keys to a borrowed notebook, instead of a generic German checklist.

Claims handled in German, by us

When something happens, you do not face the insurer alone. We argue your case in German and keep you updated in plain English the whole way.

No lock-in, ever

With a daily cancellation right you stay because the cover is good, not because a contract traps you, and we are happy to be judged on that.

NEOdirect advisor in a consultation with a client

A clear recommendation, not a spreadsheet

We tell you exactly which tariff fits, and why

In a short call in English we confirm the right variant for your household, walk you through what it covers, and get you signed up the same day if you are happy. There is no obligation and no German required.

Book a free liability check

Find your tariff

A few quick questions, one clear recommendation

Tell us who needs cover and what matters to you, and we will point you to the right variant of our tariff. It takes under a minute, and there is nothing to fill in or sign yet.

Step 1 of 4

Who should the policy cover?

NEOdirect Liability

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Your recommendation

Answer the questions and we will show you the right tariff for your household, with the monthly price and what it includes.

Included in every variant

Up to 50 Mio € cover for damage you cause to others
Your whole household on one policy, partner and children
Lost keys, borrowed items, and damage to your rented flat
Claims handled in German by your NEOdirect team

Underwritten by Phönix and placed through Maxpool, so the cover behind your policy is strong and established.

Prices shown are the real annual premiums for our Phönix tariff, including insurance tax and with no deductible. We confirm your exact rate on the call, and you can sign up the same day if it fits.

Who underwrites your cover

We are a broker (Versicherungsmakler), so we recommend this tariff because it fits expat life well, and we earn the same whether or not you take it. The cover is underwritten by Phönix and placed through Maxpool.

FAQ

Questions Indian expats ask us most about liability cover

It is not legally required, yet it is one of the first things almost every resident arranges, and many landlords ask to see it before handing over a flat, because the financial risk of going without is so high.

Why Indian expats need this cover?

Why personal liability is the first cover expats arrange

The cover that matters most in your first years here

What your cover includes