A Guide to Feather Insurance
This page will provide an in-depth review of Feather Insurance, an English-speaking insurance brokerage perfectly suited to expats moving to Germany. Below, we will cover what Feather offer and why they might be the ideal insurance broker for newcomers to Germany looking for high-quality insurance products.
Germany is obsessed with insurance. And Germans like to insure anything and everything, whether it be their life, health and work or their bike, teeth and dog. With so many insurance products to choose from (and little information as to what you definitely need), newcomers to Germany can be left feeling worried, intimidated and even a little scared by an insurance system that is confusing, fragmented and infuriating in equal measure.
Thankfully, there is a company out there whose mission is to bring honest and accessible insurance information to the masses in the form of Feather Insurance! Founded in 2018, Feather Insurance has rapidly established itself as a guiding light for over 30,000 customers, who are almost universally satisfied with their personalised, lifestyle-focused insurance advice.
But do not just take our word for it – see what their customers say on Google and Trustpilot.
Let us now take a closer look at Feather Insurance to discover just why they are becoming a market-leading insurance broker in Germany.
Why use Feather Insurance?
Here are our top 6 reasons to enlist Feather Insurance to help guide you through Germany’s treacherous insurance landscape:
1️⃣ English-speaking support
If, like me, you find insurance stressful, then it is essential to be able to understand and communicate clearly in a language you are comfortable with. Whether you are needing help with an application or claim, or just need a question answered, Feather Insurance offers responsive and honest customer support in English via email, phone or chatroom.
2️⃣ Tailored support
In Germany, there are hundreds of insurance products to choose from, many of which are unsuitable or unnecessary. Feather Insurance prides itself on offering tailored recommendations that match your lifestyle, and will not recommend products that do not fit your needs.
To get started, check out Feather’s free recommendation tool that will help clarify exactly which insurance products you should have while living in Germany.
3️⃣ Fast, digital sign-up process
Believe it or not, many German insurances still require that you post in your application, after which you will receive policy documents and communications in the mail.
This is the polar opposite of Feather Insurance, which offers a fully digitised sign-up process – and better still, all of Feather’s insurance products can be signed up for in under 5 minutes, after which you will receive all of your insurance documents online. This easy access to documents is particularly useful if you are needing to apply for a visa for Germany (as you will need to show your policy documents at your visa appointment).
4️⃣ A one-stop-shop
Depending on your needs, you may need multiple insurances in Germany. But having separate policies with different insurance providers can get messy (and leave you confused about where to find what). With Feather Insurance, all your policies can be managed under one account, giving you a simple, clear portal covering your entire insurance portfolio.
5️⃣ Assistance with insurance claims
An insurance product is often only considered as good as its claim process. There are few things worse than being left in the lurch when trying to get an important insurance claim paid out.
If taking out a policy with Feather, they will assist you through the claims process to help ensure speedy payouts.
6️⃣ Gold standard insurance products
The German insurance market is vast. Consequentially, there is a wide spectrum of policies ranging from the very good to the very bad.
A key selling point for Feather is that they partner with the most trusted providers on the German insurance market, who combine great value with superb coverage.
Feather’s Top Insurance Policies
As highlighted above, there are a diverse array of benefits to choosing Feather as your insurance broker. As a company, they undoubtedly achieve their goal of being your digital insurance companion whether you need support with signing up for a particular insurance, managing your policies, making a claim or just needing some straightforward insurance advice.
As mentioned, a great starting point is Feather’s insurance recommendation tool as this will guide you towards the policies you need based on your lifestyle.
To further understand what insurance products Feather offer and who are they for, we have profiled the different insurances below…
👨⚕️ German Public Health Insurance
Feather partners with Germany’s largest, most popular public health insurers. Feather will sign you up for a policy completely free of charge.
You can compare these public insurers and what they offer on Feather’s website.
Fully digital, English sign-up process that can be completed in just 3 minutes.
This insurance is for:
👩⚕️ German Private Health Insurance
Feather partners with top-rated German private health insurers.
Private policies can be more affordable, provide access to a wider range of treatments and generally benefit from shorter waiting times than public health insurance policies.
You can usually include dental and travel cover.
Feather offers a free consultation to assess the suitability of private health insurance.
This insurance is for:
Employees in Germany that earn at least €69,300 per year.
Freelancers and self-employed workers that earn at least €30,000 per year.
Feather’s expat health insurance is the perfect choice for newcomers to Germany who are not starting a job or degree programme.
From just €72 a month, you will get a policy that covers accidents and emergencies, hospitalisation and repatriation.
The policy is suitable for the majority of first-time visas in Germany.
Fully digital sign-up process that can be completed in just 2 minutes.
This insurance is for:
Freelancers (that are not eligible for German public or private insurance).
Those applying for a visa at a German embassy or consulate overseas.
Feather’s dental insurance is a perfect addition to German public health insurance (which only includes basic dental cover).
From just €9 per month, you will receive extensive dental care including cleanings, fillings, preventative treatments and restorative procedures.
Online sign-up process that can be completed in just 5 minutes.
This insurance is for:
Those on a German public health insurance policy who are looking for more extensive dental cover.
🤕 Personal Liability Insurance
Feather’s personal liability insurance covers you in the event of damage to a person or their property. It does not cover damages to your own belongings or property.
From just €4.94 per month, you will be insured for accidents and mishaps that cause personal injury, damage to property or asset loss.
Feather guarantees the best coverage on the market.
Fully digital sign-up process that can be completed in just 2 minutes.
This insurance is for:
All adults living in Germany. While not mandatory, 85% of residents in Germany take out personal liability insurance. Landlords often request that tenants take out personal liability insurance so this can really benefit your apartment hunt in Germany.
🏠 Household Contents Insurance
Starting at just €2.33 per month, Feather’s household contents insurance covers belongings in your home in the event of fire, theft, flooding, etc.
Additional cover is available for bike theft, broken glass, negligence, etc.
Fully digital sign-up process that can be completed in just 2 minutes.
This insurance is for:
All adults living in Germany. Landlords often request that tenants take out household contents insurance so this can really benefit your apartment hunt in Germany.
Feather’s legal insurance covers you in legal disputes in both your professional and private life.
As part of the insurance, you can book free consultations with English-speaking lawyers.
Starting at just €13.51 a month, this is a relatively small price to pay in the event you are embroiled in a legal dispute in Germany.
Fully digital sign-up process that can be completed in just 2 minutes.
This insurance is for:
All adults living in Germany.
From just €2.90 a month, Feather’s bike insurance will cover your shiny new bicycles against theft, vandalism, damage and wear.
Covers both standard bicycles and e-bikes.
Fully digital sign-up process that can be completed in just 2 minutes.
This insurance is for:
Anyone that has purchased a new bicycle in Germany in the last 6 months.
Starting from just €6.90 per month, Feather can insure your dog in Germany against damage to people and their property.
The insurance includes worldwide coverage.
Feather guarantees the best coverage on the market.
This insurance is for:
All dog owners in Germany.
Mandatory in certain German states, including Berlin, Brandenburg, Hamburg, Lower Saxony, Thuringia and Schleswig-Holstein.
From just €20 per month, Feather can insure your livelihood in the unfortunate event of an occupational disability.
You can also include a mental health add-on.
The insurance safeguards your financial well-being including protection for debt, lost income, childcare and lifestyle.
Fully digital sign-up process that can be completed in just 5 minutes.
This insurance is for:
Anyone working in Germany.
From as little as €1.98 a month, Feather can insure you in the event that you die.
The insurance safeguards your family’s financial well-being including protection for debt/mortgage, lost income, childcare and funeral expenses.
Fully digital sign-up process that can be completed in just 2 minutes.
This insurance is for:
Anyone with financial commitments that would be passed on to family members or business partners in the event of their death.
Feather’s Free Consultation Service
Even with Feather’s recommendation tool and the overview of insurances above, you may well still be feeling unsure about which insurances you need in Germany.
To help you further, Feather offers a free consultation service with one of their advisors. The advisor will assess your situation and provide honest guidance, giving you further peace of mind that you have sufficient insurance coverage for your life in Germany.
You can book your free consultation with Feather here.
We hope you have found this rundown of Feather Insurance helpful. The company really is a breath of fresh air in the stilted German insurance sector – by opting to manage your different German insurance policies through Feather, you will be benefiting from an insurance broker that is transparent, honest and ardently customer-focused.
For further tips on moving to and living in Germany, see our homepage and other blog posts.