Search the right assurance offer on the Internet
May 16, 2009
Some important German insurances – for instance Preisvergleich Kapital-Lebensversicherung – which are mentioned in this context are:
The private liability assurance: Even a small mistake such as a lapse in giving way when bicycling, or a careless discarded 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 insurance is essential 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 property insurance: For most people the own house is the most important expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a building assurance is essential for every owner of a house. The personal belongings are not insured. This should be done by a separate household inventory assurance. The elements of fire assurance and tap water assurance should always be included. Natural hazards might be a great risk for your property. So everybody should look for a building insurance which is covering 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 occupational inability assurance: Consumer protectors have repeatedly pointed out that the vocational invalidity insurance adjacent to the indemnity insurance is the most important assurance at all. 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational disability cases is illness. Less common cause than illness is a previous accident. About every 4th worker and every 5th employee must quit their jobs for sickness reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the medical assurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an vocational disablement assurance.
The German Riester-Pension: The so called Riester-Pension 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 reliefs 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 governmental pension alone, should think about a Riester-Pension plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Insurance plans.
The dog liability insurance: Without a dog owner insurance 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 assurance offerers. As a dog owner it is quite hard to find the best company and contract for your specific needs. The research for the right insurance can be done on the Internet. There are recommendable websites which offer free comparisons of German dog owner insurances.
The private medical assurance: Private sickness insurance can be taken by freelancers – regardless of their incomes. As an employee you may switch to the private health insurance, if your annual gross income 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 health assurance usually offers superior benefits than the statutory health assurance. Many assurers give the option of making adjustments to the tariff of the active agreement.
The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: Autoversicherung Preisvergleich. This comparison web page is independent from a single insurance provider and provides a good overview of the market.
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