English sign-up in minutes: GetSafe↗ (app, claims via chat) or Feather↗ (built for expats, honest do-not-overbuy advice).
Sign Up in 10 Minutes: What to Check
Three criteria decide quality: coverage from €10M, default coverage (Ausfalldeckung) and key loss. Sign-up is online; protection starts the next day.
✓ Verified: 15/08/2026
WHAT TO DO
› Details and tips
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Max recommends:
Check the Ausfalldeckung clause: if someone liable to YOU has no insurance and no money, your own policy pays you. Saved an acquaintance 12 000 €.
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Lea recommends:
Digital insurers sign you up in 10 minutes in English, cancellable monthly. Better any good policy today than the perfect one next month.
FREQUENTLY ASKED QUESTIONS
When does cover start? ▾
From the date in the policy, usually right after the first payment. There is no waiting period — sign up today, covered today.
Take a deductible for a better price? ▾
A 150 € deductible saves a few euros a year — while the frequent small cases stay yours. For liability insurance it almost never pays off.
What is Ausfalldeckung? ▾
Mirror protection: if someone damages YOU and has neither policy nor money, your own insurer pays. Without it you are protected only as the culprit, not as the victim.
My German is weak — how do I sign up and file claims? ▾
Digital insurers run fully in English: app, contract, claims via chat. That is their main edge over classic insurers with paper mail.