Reviewed from source documents

Neodigital Versicherung AG

Neodigital

Neodigital is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.

Last verified Aug 28, 2026Reviewed by: Boleron EUTerms & conditions: 2026Underwritten by: Neodigital Autoversicherung AG

Online purchase24/7 helpline

Direct payment

Neodigital settles claims directly with policyholders; claims can be reported digitally via the myNeo customer portal, and the insurer's service centre can be reached by phone around the clock, including directly from the accident scene.

Geographic scope

Geographic Europe and non-European territories belonging to the European Union

Cover applies within the geographic borders of Europe and non-European EU territories; if an International Insurance Card (Green Card) is issued, cover extends to the non-European countries listed on it unless crossed out.

Starting price

€6

Indicative — pricing assumptions not stated

Unique selling points

24/7 telephone claims hotline reachable directly from the accident scene.
Fully digital policy management via the myNeo customer portal with instant digital document delivery.
Optional Auslandsschadenschutz settles claims from accidents abroad as if the foreign at-fault driver were insured with Neodigital, guarding against low foreign liability limits.
Optional Rabattschutz keeps the no-claims discount unaffected after the first at-fault claim in a calendar year.

Coverage limits

Bodily injury liability (per injured person)

€15,000,000

Within the combined liability sum insured, Neodigital covers bodily injury claims up to 15 million EUR per injured person for both the NEO M and NEO L tariffs.

Combined liability sum insured (property, personal injury and pure financial loss per event)

€100,000,000

Neodigital's Kfz-Haftpflichtversicherung provides a single combined sum insured of 100 million EUR per event for property, bodily injury and pure financial loss claims together, with the 15 million EUR bodily-injury sublimit per person applying within this overall amount; identical for NEO M and NEO L.

Defence against unfounded liability claims

unlimited

If claims made against the policyholder are unfounded or excessive, Neodigital defends against them at its own cost, with no stated monetary cap on the defence effort itself.

International Insurance Card (Green Card)

Covered

If Neodigital has issued an International Insurance Card, liability cover also extends to the non-European countries listed on it, as long as the country name is not crossed out; the card serves as proof of cover only for the Kfz-Haftpflichtversicherung.

Roadside assistance package (Schutzbrief)

Optional

The Schutzbrief is a separately selectable, legally independent add-on providing breakdown and accident assistance (e.g. roadside help up to 300/150 EUR, towing, mobility services), only included if expressly requested in the application and shown in the policy schedule.

Driver accident cover (Fahrerschutzversicherung)

Optional

The Fahrerschutzversicherung is an optional add-on, only included if expressly requested and shown in the policy schedule, that compensates the driver's accident-related personal injury (e.g. pain and suffering, loss of earnings) as if a third party were liable; the agreed sum insured is stated in the policy schedule.

Passenger accident cover (via Fahrerschutzversicherung)

Optional

Under the optional Fahrerschutzversicherung, cover extends not only to the driver but to all further occupants of the insured vehicle (and the policyholder and the registered keeper); it is only included if expressly requested and shown in the policy schedule.

Key conditions

Territorial scope

Liability cover applies within the geographic borders of Europe and the non-European territories belonging to the EU; abroad, at minimum the statutory minimum cover of the visited country applies, or the better of that and the agreed German cover.

Green card rules

Where Neodigital has issued an International Insurance Card, cover extends to the non-European countries listed on the card, unless the country name has been crossed out; the card only serves as proof of insurance for the Kfz-Haftpflichtversicherung.

Driver restrictions

The vehicle may only be used by a driver authorised by the person entitled to dispose of it, and only by a driver holding the legally required driving licence for use on public roads.

Claim notification deadline

The policyholder must report a claim event to Neodigital within one week; if the vehicle or co-insured items are stolen, the claim must be reported in text form (e.g. letter, fax, e-mail).

Bonus-malus rules

The premium is based on a no-claims discount class (SF-Klasse) determined by the contract duration and claims history, reassessed annually; an optional Rabattschutz add-on (available from SF-Klasse 4 upward) prevents a downgrade after one at-fault claim per calendar year.

Where to buy

Online quote and policy purchase

Documents

Terms and conditions – NEO M tariff

Terms & conditions

Terms and conditions – NEO L tariff

Terms & conditions

Terms and conditions – NEO M tariff (alternate host)

Other document

Product flyer with benefits comparison (NEO M vs. NEO L)

Table of benefits

Policy specifics

Workshop binding (Werkstattbindung)

Optional coverage module allowing repairs through DEKRA-certified partner workshops with associated benefits

Protection letter (Schutzbrief)

Optional assistance module covering breakdown and accident assistance services

Driver protection insurance (Fahrerschutzversicherung)

Optional coverage for personal injury and financial losses of the driver in case of accident

Damage protection (Rabattschutz)

Optional coverage protecting no-claims discount against first at-fault damage in liability/comprehensive insurance

Foreign damage protection (Auslandsschadenschutz)

Coverage for damages in foreign countries where third-party insurer limits may be insufficient

Special equipment coverage

Not established from the insurer's documents

Coverage for special vehicle equipment/accessories; limits vary by tariff (NEO S: 10,000 EUR, NEO M/L: 40,000 EUR)

SourceThird-party source, not the insurer's document

New car price replacement

Not established from the insurer's documents

Full or proportional replacement of purchase price for total loss or high-damage vehicles within 24 months of first registration

SourceThird-party source, not the insurer's document

Car-sharing deductible waiver

Not established from the insurer's documents

Neodigital covers deductible difference for damages involving car-sharing vehicles

SourceThird-party source, not the insurer's document

Tariff variants

Three main tariff tiers: NEO S (entry-level), NEO M (mid-range), NEO L (premium)

Gross negligence coverage

Not established from the insurer's documents

NEO S tariff includes coverage in case of gross negligence (not standard in market)

SourceThird-party source, not the insurer's document

Telematics option

Optional telematics service allowing real-time monitoring and individual risk assessment through We Enable Service GmbH

Daily cancellation right

Policyholders can cancel daily (according to terms) rather than only at year-end

Electric vehicle (EV) battery coverage

Specific condition addressing battery degradation and electronic damage for electric vehicles

Direct claims settlement

Neodigital settles claims directly with policyholders rather than reimbursement model

Digital-only policy management

All policies managed exclusively online through myNeo portal; no paper documents sent by post

Free driver circle extension

Free temporary extension of driver circle for up to 4 weeks per year

Switch bonus (NEO Switch tariff only)

5% discount on premium for switchers plus conditions and sum difference cover (KDD)

Animal bite coverage

Not established from the insurer's documents

NEO S includes animal bite coverage without subsequent damage

SourceThird-party source, not the insurer's document

Extended elemental damage coverage

Not established from the insurer's documents

NEO S includes landslides, mudslides and avalanches (excluding roof avalanches) as elemental damage

SourceThird-party source, not the insurer's document

Sources