Your first weeks in Germany
Privathaftpflichtversicherung
Personal liability insurance can cover eligible claims if you accidentally injure someone or damage their property. Exklusiv single cover starts at €4,20 a month; your price depends on the plan and household option.
Cover at a glance
Premium and Exklusiv can cover eligible claims when you accidentally injure someone or damage their property. Limits and policy terms apply.
Damage to your rented home
Cover can include accidental damage to parts of a home you rent. The policy terms and plan limits apply.
Glass damage: up to €100. Eligible accidental damage to glass belonging to someone else may be reimbursed under your personal liability plan's terms.
Example: You accidentally scratch the parquet floor in your rented apartment.
Lost third-party keys
If you lose a key to your rented apartment or workplace that belongs to someone else, you may be responsible for replacement or lock-system costs. Cover depends on your plan.
Example: Losing a workplace master key could mean replacing the whole locking system, which may cost several thousand euros.
Damage to borrowed items
If you damage something someone lent you, you may be responsible for repair or replacement costs. Cover depends on your selected plan and its limits.
Example: Someone lends you their smartphone to take a photo. You accidentally drop it, and it breaks.
Injury to another person
If you accidentally injure someone, you can be held responsible for costs such as treatment, lost income and compensation. Your plan can cover eligible claims up to its limit.
Example: You accidentally knock someone over. They need medical treatment and have to take time off work.
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From our clients
Short statements from NEOdirect customers.
Compare plans
Both plans can be cancelled daily. Premium has a higher sum insured and additional benefits; Exklusiv has a lower starting price.
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” 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.
Optional add-on
Bring a little more of home to Germany.
For €9,90 per year in total, this optional add-on covers parents, other first-degree family members and siblings for visits of up to 90 days.
The same price applies with Premium and Exklusiv and covers the visitor group, not each person. Select Family Visit Cover in the finder if you want to include it.
Choose Family Visit Cover in the finderHow we help
Compare Premium and Exklusiv in the finder, then submit your application online when you are ready. Our team will review it and follow up with next steps. A conversation is optional.
A couple of minutes
Tell the tariff finder above who needs liability cover and what matters most to you, with no documents needed.
Clear recommendations
Compare Premium and Exklusiv, check the price for your selected household option, and decide whether to add Family Visit Cover.
Our team reviews it afterwards
Send your application online. Our team will review your details and follow up with the next steps. You do not need to book a call to apply.
Ongoing support
NEOdirect can help with policy questions, German paperwork and changes in your circumstances. The services included are described in our broker agreement.
Why NEOdirect
NEOdirect helps you understand your options and can support you with communication and paperwork after you apply.
Instead of overwhelming you with dozens of options, we focus on two carefully selected plans that offer strong protection for expats living in Germany. You simply choose the level of cover that fits you best.
We explain plan information and policy messages in clear English and help with German-language paperwork.
If something happens, you do not have to deal with the insurer on your own. We help manage your claim in German and keep you informed in clear English.
You can submit your application online without booking a call. If you would like help choosing, you can speak with our team.
You can always reach us on WhatsApp. Send us a message whenever something happens and we’ll call you straight back to discuss the damage and next steps with you.
Need a hand?
Talk to our team about liability cover
Ask us to explain the plan options, the online application or a policy message. You can also apply without speaking to an adviser.
Ask for helpFind your cover
Answer a few simple questions about who needs cover and what matters to you. We'll show you which plan fits best and why. No forms, no commitment, just a clear recommendation to get you started.
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Optional add-on: €9,90 per year in total for eligible visiting family members.
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Please answer accurately — concealing past claims can void your insurance cover.
NEOdirect Liability
Insured by INTERIncluded in every variant
NEOdirect developed this product with Phönix. INTER is the insurer behind the cover.
NEOdirect Premium
Single variant
The monthly premium must be at least €5.00. Please select annual payment to continue with your application.
€0,00
a year
That is €0,00 a month, including insurance tax, with no deductible.
With three or more recent claims, acceptance is subject to individual review. Our team will review your application and follow up about eligibility.
Family Visit Cover adds €9,90 per year in total for eligible visiting family members. See the section above for who is included.
The displayed price uses your selected billing frequency and includes insurance tax. Family Visit Cover adds €9,90 per year in total if selected. Submit your application online and our team will review it and follow up with next steps.
NEOdirect is the broker and developed this product together with Phönix. INTER is the insurer behind the policy.
Good to know
Personal liability protects you when you accidentally cause covered damage to someone else. It does not cover every type of damage, so these are the main limits to know.
Personal liability does not pay for damage to things you own. Damage to rented property or lost third-party keys can be covered depending on your plan.
Damage you cause intentionally is generally not covered. Personal liability is designed for accidental damage and negligence.
If you cause an accident while driving a car, this falls under motor liability insurance (Kfz-Haftpflicht), not personal liability insurance.
Claims arising from professional, freelance or business activities are generally outside private liability cover and may require separate professional or business liability insurance.
Damage between people insured under the same policy may not be covered in the same way as damage to third parties. The exact protection depends on the selected plan.
FAQ
Clear answers to the questions expats ask about personal liability insurance (Privathaftpflicht) in Germany.
No. Personal liability insurance (Privathaftpflichtversicherung) is not legally required in Germany, but it is widely recommended because you can be personally liable for damage or injury you cause to others.
A serious liability claim can become very expensive, which is why many people in Germany choose to have this cover even though it is voluntary.
Personal liability insurance can cover claims when you accidentally injure someone, damage another person’s property or cause certain financial losses.
Depending on the plan, cover can also include situations such as damage to rented property, lost third-party keys and other everyday liability risks.
Personal liability insurance is usually one of the more affordable types of insurance in Germany. Your price depends on the plan and whether you need cover for yourself, a couple, a single-parent household or a family.
Our Exklusiv and Premium options start at only a few euros per month, with the exact price shown before you apply.
Liability claims, particularly those involving serious personal injury, can become very expensive. That is why a high sum insured is important even if the policy itself costs only a few euros per month.
Our recommended plans provide €30 million or €50 million of liability cover, depending on the option you choose.
It can. Many personal liability policies cover certain accidental damage to rented property (Mietsachschäden), such as damage to fixtures belonging to your landlord.
Normal wear and tear and damage to your own belongings are different and are generally not personal liability claims. The exact cover depends on your plan.
Lost third-party keys can be covered depending on your plan. This can be particularly important in Germany because losing a building or work key can sometimes require locks or an entire locking system to be replaced.
Private and professional keys can have different limits, so we show exactly what each plan covers.
Usually not. If you simply lock yourself out of your own home, the locksmith bill is normally your own expense because you have not caused liability damage to another person.
Losing a key belonging to your landlord, employer or another third party is a different situation and may be covered by your personal liability policy.
It depends on the policy variant you choose. Couple and family variants can cover multiple members of the household under one policy, while a single-person policy covers only the insured individual.
Choose the household option that matches who needs protection when you apply.
Family policies can cover liability claims involving children, but the exact situation matters. German liability rules also distinguish between children of different ages and whether the parents themselves have breached a duty of supervision.
Because children who are not legally liable can create a particular coverage gap, it is worth checking whether your chosen plan also covers damage caused by children who are considered incapable of liability (deliktunfähige Kinder).
Many German personal liability policies include protection during temporary stays abroad. This can therefore be relevant when travelling or visiting family in India.
The permitted duration and exact scope of international cover depend on the policy conditions, so these should be checked for your specific plan.
Personal liability insurance generally does not cover deliberate damage or damage to your own property. Motor vehicle liability and claims arising from professional or business activities also normally require different insurance.
Other exclusions and limits depend on the policy, which is why the conditions matter as much as the headline sum insured.
They protect different things. Personal liability insurance (Privathaftpflicht) protects you against covered claims from other people when you cause damage.
Household contents insurance (Hausratversicherung) protects your own belongings against insured risks such as fire, burglary or water damage. Many people therefore have both.
Both plans can be cancelled daily. Premium offers a €50 million sum insured and a best-performance guarantee; Exklusiv offers €30 million of cover at a lower starting price. Selected benefits and limits differ; see the comparison and policy terms for details.
Do not simply pay or accept responsibility before the claim has been reviewed. Message us on WhatsApp with the details and any relevant documents. We’ll discuss what happened with you and coordinate the claim with the insurer on your behalf. The insurer will assess whether the claim is covered.
Personal liability insurance does more than pay valid covered claims: it can also defend you against unjustified liability claims as part of its passive legal protection.
Yes. If you already have personal liability insurance, you can compare your existing protection with another plan before switching.
The important part is coordinating the end of the old policy and start of the new one so you do not unintentionally create a gap in cover.
You can apply online. Our team will review your application and follow up with next steps. If you would like help choosing a plan, a conversation is optional.
If something happens, message us on WhatsApp. We’ll talk through the damage with you and coordinate the claim with the insurer on your behalf. The insurer will assess whether the claim is covered.
NEOdirect · Insurance broker for expats in Germany
