The insurance market is ambigious to most individuals. There are many insurance providers. As a customer you can hardly get the overview. Nevertheless one wants to get the fitting solution. Nowadays it is a good choice to use a price comparison site as Beste Kapital-Lebensversicherung, when you are in need of a particular insurance. There you can get your personal assurance offer from a great number of insurance suppliers.
Some important German assurances – for instance Preisvergleich Reiseversicherung – 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 enormous damages. Especially when people come to loss, the claims of the victim may result in the financial ruin of the tortfeaser. There is no limitation to the top. Therefore the casualty insurance is a necessity for everyone. With a casualty assurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The home assurance: For a lot of 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 house insurance is essential for every owner of a house. The furniture is not insured. This should be done by a separate householders 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 search a house assurance 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 vocational invalidity insurance: Consumer protectors have repeatedly pointed out that the vocational invalidity insurance adjacent to the casualty assurance is the most important assurance actually. 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 inability 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 health reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the health assurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an occupational disablement assurance.
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 concessions 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 exclusively, should consider a Riester-Assurance plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Assurance contracts.
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 offerers. As a dog owner it is not easy to find the right vendor and contract for your specific needs. The research for the best insurance can be done via Internet. There are sound sites which offer cost-free comparisons of German dog liability assurances.
The private sickness assurance: Private medical insurance can be taken by business owners – regardless of their incomes. As an employee you may switch to the private sickness assurance, if your annual gross salary 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 insurance usually offers better performance than the governmental health insurance. Many insurance providers give the option of making adjustments 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: Krankenzusatzversicherung Preisvergleich. This comparison web page is independent from a single assurance supplier and gives a sound overview of the market.
