Cover for everyday accidents
Choose protection for eligible injury and property-damage claims, subject to your plan’s limits and terms.
For Indian expats in Germany
Personal liability insurance for everyday life in Germany
Clear options. Support in English.
Accidents happen. Damaging a borrowed laptop, injuring someone while cycling or breaking a fitting in your rented flat can lead to unexpected costs. Find cover for yourself, your partner or your family, with guidance from a team that understands life as an expat.
A plan for your household
Use the finder to choose cover for yourself, you and your partner, a single-parent household or your family.
An English-speaking team
Understand your options and get help with the German insurance process in clear English.
A little more peace of mind
When an accident affects someone else, the right cover can help
Personal liability insurance can respond to eligible claims when you accidentally injure another person or damage their property. Your policy conditions set the exact cover and limits.
Someone gets hurt
Eligible claims can include medical costs and compensation, up to the limit in your chosen plan.
Something gets damaged
Accidental damage to another person’s belongings may be covered, from a friend’s laptop to a household item.
Your rented home is affected
Some accidental damage to a rented flat, such as a damaged fitting, can be covered depending on the plan.
Start with a clear recommendation
Find cover that fits your household
Answer a few questions to see whether Exklusiv or Premium fits your needs and check the current price for your situation.
Two clear options
Choose the level of protection that feels right
Both plans are designed for everyday life in Germany. Premium has higher limits and additional benefits; Exklusiv offers essential cover at a lower price.
Premium
More cover
Exklusiv
Cover for damage to others
Up to €50 million
Up to €30 million
Best-performance guarantee
Included
Not included
Lost work keys
Included
Included
Damage at your workplace
Up to €1 Mio
Up to €2.500
Lost car and safe keys
Included
Not included
Rental car deductible
Up to €1.000
Not included
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 PDFLimits and exclusions apply. See the plan comparison or use the finder to get a recommendation and current price.
Choose cover & applyProtection for real life
Cover for the things that can happen day to day
Explore common situations and check the policy terms for the limits that apply to your plan.
Damage in a rented home
Eligible accidental damage to a rented flat, such as a scratched floor or broken fitting, may be covered.
Lost private or work keys
Key replacement can be costly if a building’s locking system needs to change. Eligible private and work key loss is covered.
Damage to borrowed items
If you accidentally damage something a friend lent you, the offered tariffs include cover for borrowed items.
Injury to another person
Personal injury claims can include medical costs and compensation, within the cover limit and policy conditions.
Damage to someone’s property
Eligible repairs or replacement costs may be covered when you accidentally damage someone else’s belongings.
Optional add-on
Cover for visiting parents
Add Parents Visit cover for €9,90 per year. It covers visiting parents for up to 90 days while they are in Germany.
A straightforward next step
From a few answers to a clear plan
Use the existing liability finder to see an option for your household, then continue online or ask our team for help.
Step 01
Tell us who needs cover
Choose the household option that fits you, your partner or your family.
Step 02
Review your recommendation
See whether Premium or Exklusiv fits your priorities, together with the current price and a plain-English summary.
Step 03
Continue online, with help available
Complete the next steps digitally or book a free conversation if you would rather talk it through first.
Find your cover
Find the right plan in under a minute
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.
Step 1 of 4
Who should the policy cover?
Step 2 of 4
Which tariff fits you?
Step 3 of 4
Should we add Parents Visit cover?
For €9,90 a year, your visiting parents are covered for up to 90 days while they are with you in Germany. This rider is unique in Germany.
Step 4 of 4
Have you had any liability claims in recent years?
Please answer accurately — concealing past claims can void your insurance cover.
NEOdirect Liability
powered by
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
NEOdirect Premium
powered by
Single variant
€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. We will confirm eligibility on the call before you sign up.
Parents Visit is included: your visiting parents are covered for up to 90 days, a rider unique in Germany, for €9,90 a year.
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.
Support beyond the policy
Why expats choose NEOdirect
We make the German insurance process easier to understand and easier to manage.
Advice in clear English
Understand the options, the German terms and the next steps before you decide.
Digital and paperless
Use the online finder and continue through a digital application process.
Ongoing support included
Our broker service can help with policy questions and changes at no extra cost to you.
Questions, answered
Personal liability insurance FAQs
Quick answers to common questions from Indians living in Germany.
No. Personal liability insurance is not legally required in Germany. It can still be useful because you may be responsible for eligible injury or property-damage claims you cause to other people.
Depending on your plan, cover can include eligible claims for accidental injury, damage to another person’s property, certain rented-home damage, lost keys and borrowed items. The policy terms, limits and exclusions apply.
The price depends on the household option and plan you choose. Use the finder to see the current price for your situation before you apply.
Yes. The finder includes options for a single person, a couple, a single-parent household or a family. Choose the household type that matches who needs cover.
Yes. The optional Parents Visit add-on costs €9,90 per year and covers visiting parents for up to 90 days while they are in Germany, subject to its terms.
Contact us before you accept responsibility or pay. The insurer can assess whether the claim is covered and help defend you against unjustified demands within the policy terms.
Take the next step
Get a clear recommendation in English
Use the finder for a plan and current price, or speak with our team before you decide.