The assurance market is opaque to most clients. There are many assurance companies. As a prospect you can hardly get the overview. Nevertheless one wants to get the best solution. Nowadays it is a good choice to use a rate comparison website as Preiswerte Grundbesitzerhaftpflichtversicherung, when you are in need of a particular insurance. There you can retrieve your personal insurance offer from a great number of insurance vendors.
Some important German insurances – e.g. Vergleich Autoversicherung – which are mentioned in this context are:
The dog liability assurance: Without a dog owner 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 liable for all damages of persons and vehicles. On the German insurance market there are many dog insurers. As a dog owner it is quite hard to find the right company and contract for your specific requirements. The research for the right insurance can be done on the Internet. There are advisable websites which offer free comparisons of German dog liability assurances.
The home insurance: For many people the own house is the largest investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a home assurance is essential for every house owner. The furniture is not insured. This should be done by a separate household items insurance. The elements of fire assurance and mains water insurance should always be included. Natural hazards might be a great risk for your property. So everybody should look for a home assurance which includes these special risks. Insurance protection against storm damage should definitely be considered because of the rise of heavy storms during the past years in Germany.
The private sickness assurance: Private sickness assurance can be taken by entrepreneurs – regardless of their revenues. As an employee you may switch to the private health assurance, if your yearly gross income lies 3 years in a row over the insurance 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 assurance usually offers higher performance than the statutory health insurance. Many insurance vendors give the option of making modulation to the tariff of the active agreement.
The occupational disability assurance: Consumer protectors have repeatedly pointed out that the occupational disablement insurance among the indemnity assurance is the most important insurance generally. 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 illness is a previous accident. About every 4th worker and every 5th employee must terminate their jobs for health 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 assurance.
The auto casualty assurance: If you get an automobile for yourself, you have to insure it. The automobile liability insurance is required by law – without proof of casualty assurance already the admission of the car is impossible. The car liability assurance helps whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be effected. Comprehensive insurances pay for damages of your own vehicle.
The German Riester-Insurance: 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 incentives as a bonus. Later you will receive monthly benefits a lifetime – in the form of a retirement pay or a payment plan. Each employed professional, who is not willing to rely on the statutory pension solely, should take into consideration a Riester-Insurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Pension contracts.
The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: Ruerup Rente Vergleich. This comparison website is independent from a single insurance supplier and provides a nice overview of the market.
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