The assurance market is vague to most individuals. There are many assurers. As a private person you can hardly get the overview. Nevertheless one wants to find the right solution. Nowadays it is a good idea to use a rate comparison web page as Beste Hausversicherung Gebaeudeversicherung, when you are looking for a particular insurance. There you can retrieve your personal assurance quotation from a great number of assurance suppliers.
Some important German insurances – for example Preisvergleich private Altersvorsorge – which are mentioned in this context are:
The private liability assurance: Even a slight mistake for example an error in giving way when bicycling, or a careless cast off cigarette may cause huge damages. Especially when people come to loss, the claims of the victim may result in the financial ruin of the injuring party. There is no limitation to the top. Therefore the private liability assurance is very important for everyone. With an indemnity insurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The house insurance: For most owners the own house is the biggest expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property insurance is essential for every homeowner. The furniture is not insured. This should be done by a separate household inventory assurance. The elements of fire assurance and mains water insurance should always be included. Natural hazards might be a great risk for your home. So everybody should search a building insurance which includes these special risks. Assurance protection against storm damage should definitely be considered because of the rise of heavy storms during the past years in Germany.
The occupational disablement assurance: Consumer protectors have repeatedly pointed out that the vocational disability assurance adjacent to the casualty assurance is the most important assurance ever. The loss of manpower is an existential risk. Because of being no longer able to work means to earn nothing. Physical hardship often is the result. The state barely helps in such a case – the statutory pension assurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational disablement cases is illness. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must terminate their jobs for sickness reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the sickness assurance and for unemployment benefits are exhausted, you are confronted with a large supply gap when not having an occupational disablement insurance.
The German Riester-Pension: The so called Riester-Insurance is a government-funded private pension you can seize to close your personal pension gap. It is both safe and attractive: During the active working life, you pay contributions into a private annuity contract, a bank or savings fund, additionally you get growing state allowances and tax allowances as a bonus. Later you will receive monthly benefits a lifetime – in the form of an annuity or a payment plan. Each employed professional, who is not willing to rely on the statutory pension exclusively, should take into consideration a Riester-Pension agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public allowance for Riester-Insurance agreements.
The dog liability insurance: Without a dog liability assurance every dog owner carries a very high risk of liability when his four-legged friend once causes a damage. When the dog runs over the street and causes a traffic accident, one can be held responsible for all damages of persons and vehicles. On the German assurance market there are many dog insurance companies. As a dog owner it is quite hard to find the best company and contract for your specific requirements. The research for the right insurance can be done online. There are sound web pages which offer free comparisons of German dog owner insurances.
The private sickness insurance: Private sickness assurance can be taken by freelancers – regardless of their revenues. As an employee you may switch to the private health insurance, if your annual gross salary lies 3 years in a row over the assurance limit of 48,150 Euros (equivalent to 4012.50 Euros a month, status of 2008). Also officials, judges and members of parliament are usually privately insured. The German private sickness insurance usually offers better performance than the statutory health assurance. Many assurance providers give the option of making customization to the tariff of the active agreement.
The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: Rechtsschutzversicherung Preisvergleich. This comparison website is independent from a single insurance company and gives a nice overview of the market.
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