Is personal liability insurance mandatory in Germany?

Not by law — but it is the most strongly recommended everyday policy in Germany. Damages caused to others can easily run into six figures, and you would be personally liable for them.

I just moved to Germany — can I keep my no-claims bonus?

Often yes. SIGNAL IDUNA can transfer up to several years of no-claims history from many foreign insurers. Send Nouhad your previous policy and he will check.

In which languages can I speak with Nouhad?

Arabic, German, English and Polish. Pick the language you are most comfortable with — Nouhad will follow.

Does a consultation cost anything?

No. A consultation with Nouhad is free and without obligation. You only pay if you choose to sign a policy — and then via the official SIGNAL IDUNA contract.

SIGNAL IDUNA agent · Germany

Insurance in Germany — explained clearly, handled personally.

Nouhad Kabbara guides you through every insurance decision as a SIGNAL IDUNA agent — in Arabic, German, English and Polish.

Request a free consultation Call 01522 1888208

Arabic · Deutsch · EnglishSIGNAL IDUNA Agent

Direct

01522 1888208

SIGNAL IDUNA agent

Trusted brand

Personal advice

Direct contact

Four languages

AR · DE · EN · PL

Germany-wide

From anywhere in DE

Meet Nouhad

A clear, honest insurance advisor

Nouhad takes the time to actually explain what each policy does — and what you can safely skip. No pressure, no jargon.

Meet Nouhad

Arabic · German · English
SIGNAL IDUNA
Personal advice
Clearly explained

Insurance solutions

Pick an area below or ask Nouhad if you’re not sure what you need.

View all →

Health & Care Insurance

Dental, outpatient, children and accident protection — extra support beyond statutory health insurance.

Learn more Ask Nouhad about this

Life & Family Protection

Term life, funeral expenses and family protection — keep your loved ones financially safe.

Learn more Ask Nouhad about this

Retirement & Wealth Planning

Retirement, savings and long-term wealth building options in Germany.

Learn more Ask Nouhad about this

Home & Apartment Insurance

Home contents, glass, and home savings — protect your daily life and property.

Learn more Ask Nouhad about this

Car & Mobility Insurance

Cars, motorcycles, mopeds, bicycles and e-scooters — full mobility cover.

Learn more Ask Nouhad about this

Travel Insurance

Travel health, cancellation and package travel — peace of mind when you leave Germany.

Learn more Ask Nouhad about this

New in Germany?

Which insurances are required, which are recommended? Nouhad will explain in your language.

Get guidance

For families

Health, children’s dental, life and accident — designed around your family.

Plan family protection

Self-employed & business owners

Protect the company you’ve built — without over-buying.

Request business consultation

Why Nouhad

Four languages

Speak in the language you’re comfortable with.

Independent attention

Direct contact — no call center.

Practical recommendations

Nouhad starts with your real life, not a catalog.

SIGNAL IDUNA solutions

Backed by a long-established German insurer.

Transparent, no pressure

Free consultation, no obligation.

Frequently asked questions

Most employees stay in the statutory system (GKV). Private insurance (PKV) can make sense for high earners, civil servants and self-employed people — but the decision is hard to reverse. Nouhad helps you weigh both honestly.

Need insurance advice in Germany?

Send the form and Nouhad will get back to you in your preferred language.

Ready for clear insurance advice?

Call Nouhad directly or request a consultation.

Request a free consultation 01522 1888208