Extracted from source documents

Neodigital Motor third-party liability (Kfz Haftpflicht Neo)

Underwritten by Neodigital Autoversicherung AG · Germany

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

Verified Aug 28, 2026 · Terms dated 2026Sources

Online purchase24/7 helpline

Unique selling points

Combined liability sum of 100 million EUR per claim, with up to 15 million EUR per injured person — well above typical statutory minimums

Free stone-chip windshield repair and waived deductible for front windscreen repair via partner Wintec Autoglas, regardless of workshop binding

6-year warranty on repairs carried out in DEKRA-certified partner workshops when workshop binding is chosen

24/7 telephone service center and fully digital claims reporting and contract management via the myNeo customer portal

Coverage limits

Liability limit (covers injury + property damage)

One combined sum for both bodily injury and property damage, not two separate limits.

NEO MNEO L
Covered

Defence against unjustified claims

Covered

If third-party claims against the policyholder are unjustified or excessive, Neodigital defends against them at its own cost, within the liability sums insured

Clause A.1.1Page 6

Section: A.1 Kfz-Haftpflichtversicherung > A.1.1 Was ist versichert?

Sind die Schadenersatzansprüche gegen Sie unbegründet? Oder zu hoch? Dann wehren wir sie für Sie ab. Auf unsere Kosten.

Covered

International Insurance Card (Green Card)

Covered

If Neodigital has issued an International Insurance Card, coverage also extends to the non-European countries listed on it, as long as the country name is not struck through; the card serves as proof of MTPL coverage only

Clause A.1.4Page 6

Section: A.1 Kfz-Haftpflichtversicherung > A.1.4 In welchen Ländern besteht Versicherungsschutz?

Haben wir Ihnen eine Internationale Versicherungskarte ausgehändigt? Dann gilt der Versicherungsschutz auch in den dort genannten nichteuropäischen Ländern, soweit Länderbezeichnungen nicht durchgestrichen sind. Die Internationale Versicherungskarte dient nur in der Kfz-Haftpflichtversicherung als Nachweis des Versicherungsschutzes.

Optional

Schutzbrief (roadside assistance / travel protection letter)

Optional

Optional, separately contracted assistance cover providing breakdown help, towing, courtesy car (up to 80 EUR/day for 7 days), key service (up to 200 EUR) and other travel assistance services from the doorstep and abroad

Clause A.3.5Page 13

Section: A.3 Schutzbrief > A.3.5 Hilfe vor Ort bei einem Fahrzeugausfall

Rufen Sie selbst oder ein Dritter ein Pannenhilfsfahrzeug an den Schadenort? ... Dann bezahlen wir maximal 200 € (bei einem Lieferwagen oder bei einem Wohnmobil bis maximal 400 €)

Optional

Driver accident protection (Fahrerschutz)

€15M

Optional cover (if agreed) replacing the driver's personal injury from a self-caused accident as if the insurer were liable under MTPL, up to the agreed sum insured of 15 million EUR

Page 1

Section: Leistungsübersicht Kfz 2026 > Fahrerschutz

Fahrerschutz (sofern vereinbart) 15 Mio. EUR 15 Mio. EUR

Optional

Passenger accident protection (part of Fahrerschutz)

€15M

The Fahrerschutz (if agreed) also covers the driver and all other occupants of the insured vehicle as well as the vehicle keeper for personal injury under the same 15 million EUR sum insured

Clause A.4.2Page 16

Section: A.4 Fahrerschutz > A.4.2 Wer ist versichert?

Versichert sind: Sie als Versicherungsnehmer, der Fahrer und alle weiteren Insassen des bei uns versicherten Fahrzeugs und der Halter.

Key conditions

Driver restrictions

The vehicle may only be used by a driver authorized by the person entitled to dispose of it and who holds the legally required driving licence; it must not be driven under the influence of alcohol, drugs or other intoxicants

Claim notification deadline

A claim must be reported within one week; verbal or telephone notification is sufficient, except theft/loss of the vehicle which must be reported in text form

Bonus-malus rules

Premiums in MTPL and comprehensive cover can depend on a no-claims discount class (SF-Klasse), based on contract duration and claims-free years; classes improve after claim-free years and worsen after claims according to published SF tables, with optional Rabattschutz protecting against downgrading after one claim per year (from SF-Klasse 4 for NEO M and NEO L)

Territorial scope

Coverage applies within the geographic borders of Europe and the non-European territories belonging to the European Union

Documents

General Terms and Conditions for Motor Insurance (AKB) - NEO M (opens in a new tab)

Terms & conditions · PDF

General Terms and Conditions for Motor Insurance (AKB) - NEO L (opens in a new tab)

Terms & conditions · PDF

Insurance Product Information Document (Produktinformationsblatt) - NEO M / NEO L (opens in a new tab)

Product information sheet · PDF

Motor Insurance Benefits Overview 2026 (opens in a new tab)

Table of benefits · PDF

Neodigital motor insurance marketing/product page (opens in a new tab)

Other document · PDF

Policy specifics

Liability coverage limit

Maximum coverage for third-party liability claims up to 100 million EUR for personal injury, property damage and pure financial loss combined

SourcePage 1

Section: Leistungsübersicht Kfz 2026 > Kfz-Haftpflichtversicherung

Personen-, Sach- und Vermögensschäden 100 Mio. EUR 100 Mio. EUR

Mallorca policy coverage

Extended coverage for rental vehicles in EU/EEA countries for up to 6 months after rental, specifically for vehicle operator and family members

SourceClause A.1.6Page 7

Section: A.1 Kfz-Haftpflichtversicherung > A.1.6 Mallorca-Police

Für Sie, Ihren Ehe-/Lebenspartner und für Ihre Kinder als Fahrer. Für die ersten 6 Monate ab Anmietung des Pkw.

Workshop binding / Partner workshop clause

Optional add-on allowing selection of repair location from Neodigital partner network; Neodigital selects repair shop from approved partners

Source

Discount protection clause

Optional coverage protecting no-claims discount from reduction after first damage event in calendar year for both liability and full collision coverage

Source

Section: Zusätzliche Absicherungsoptionen der Neodigital Kfz-Versicherung

führt der erste belastende Schaden im Kalenderjahr in der Kfz-Haftpflicht- und/oder Vollkaskoversicherung nicht zu einer Rückstufung des Schadenfreiheitsrabattes.

Assistance / Roadside assistance

Optional add-on providing roadside assistance including breakdown service, towing service, emergency accommodation in case of accident

Source

Section: Zusätzliche Absicherungsoptionen der Neodigital Kfz-Versicherung

Dieser Baustein umfasst unter anderem Pannenhilfe, Abschleppdienste und eine Unterkunft im Falle eines Unfalls.

Vehicle use restriction

Vehicle must be used only for purposes stated in insurance certificate. Use restrictions may apply to business use, racing, or non-approved commercial activities

SourcePage 2

Section: Welche Verpflichtungen habe ich?

Nutzen Sie Ihr Fahrzeug nur zu dem im Versicherungsschein angegebenen Zweck

SEPA direct debit payment requirement

Premiums are collected via SEPA direct debit, credit card, or other agreed payment service provider. Policyholder must maintain sufficient account balance

SourcePage 2

Section: Wann und wie zahle ich?

Die Beiträge zieht Neodigital vereinbarungsgemäß per SEPA-Lastschriftverfahren, über Kreditkarte oder den sonst mit Ihnen vereinbarten Zahlungsdienstleister ein. Bitte sorgen Sie daher immer für ausreichende Deckung auf Ihrem Konto

Sources

Neodigital Motor third-party liability

Get a quote from Neodigital(opens in a new tab)Compare Motor third-party liability insurers in Germany
Get a quote from Neodigital(opens in a new tab)