Reviewed from source documents

Neodigital Autoversicherung 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 generally settles liability claims by paying monetary compensation directly to the claimant or defends unjustified claims at its own cost; the policyholder may choose to claim from the insurer or from a liable third party

Geographic scope

Europe and EU territories, with extended coverage in certain non-European countries if an International Insurance Card is issued

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

Starting price

€6

Indicative — pricing assumptions not stated

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
  • Automatic battery damage cover up to 20,000 EUR plus GAP coverage included at no extra charge for financed or leased vehicles in full collision cover
  • 24/7 telephone service center and fully digital claims reporting and contract management via the myNeo customer portal

Coverage limits

Bodily injury liability (per injured person)

€15,000,000

Maximum 15 million EUR per injured person for personal injury claims; this is a sub-limit within the combined 100 million EUR sum insured per claim event covering personal injury, property damage and pure financial loss together

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Property, personal injury and financial loss liability (combined sum)

€100,000,000

Combined maximum coverage of 100 million EUR per claim event for personal injury, property damage and pure financial loss together; within this, personal injury claims are additionally capped at 15 million EUR per injured person

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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

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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

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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

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Driver accident protection (Fahrerschutz)

€15,000,000

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

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Passenger accident protection (part of Fahrerschutz)

€15,000,000

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

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Key conditions

Territorial scope

Coverage applies within the geographic borders of Europe and the non-European territories belonging to the EU; if abroad within the MTPL territorial scope, at least the statutory minimum cover of the visited country applies, or the better German cover if higher

Green card rules

The International Insurance Card, if issued, extends MTPL coverage to non-European countries listed on it (unless struck through) and serves as proof of insurance only for the liability cover

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)

Where to buy

Neodigital Kfz-Versicherung product and quote page

Documents

General Terms and Conditions for Motor Insurance (AKB) - NEO M

Terms & conditions

Open

General Terms and Conditions for Motor Insurance (AKB) - NEO L

Terms & conditions

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Insurance Product Information Document (Produktinformationsblatt) - NEO M / NEO L

IPID

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Motor Insurance Benefits Overview 2026

Table of benefits

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Neodigital motor insurance marketing/product page

Other document

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Policy specifics

Liability coverage limit

Maximum coverage for third-party liability claims up to 100 million EUR for combined person, property and property damage claims

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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

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Workshop binding / Partner workshop clause

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

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Electric and hybrid vehicle coverage

Automatic coverage for electric and hybrid vehicles including charging cable, charging card, fixed wallbox, induction charging up to 5000 EUR per claim in partial and full collision coverage

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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

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Assistance / Roadside assistance

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

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GAP coverage (Guaranteed Asset Protection)

Automatic coverage in full collision insurance for financed or leased vehicles covering difference between residual value and remaining loan/lease amount in case of total loss

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Direct settlement arrangement

Neodigital settles claims by paying compensation in cash rather than through direct repair arrangements in most cases. Policyholder may choose between claiming from insurer or responsible third party

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Gross negligence coverage

Insurer provides coverage even when damage is caused by gross negligence of policyholder but may reduce benefit proportional to degree of fault

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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

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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

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