The insurance market is ambigious to most clients. There are many assurance offerers. As a private person you can hardly get the overview. Nevertheless one wants to find the fitting solution. Nowadays it is a good choice to use a rate comparison web page as Beste Pferdeversicherung, when you are searching a particular insurance. There you can get the right assurance quote from a great number of assurers.
Some important German assurances – 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 harm, the claims of the victim may result in the financial ruin of the polluter. There is no limitation to the top. Therefore the casualty insurance is a necessity for everyone. With a casualty insurance 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 persons the own house is the largest 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 homeowner. The furniture is not insured. This should be done by a separate household contents assurance. The elements of fire insurance and tap water assurance should always be included. Natural hazards might be a great risk for your home. 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 occupational inability assurance: Consumer protectors have repeatedly pointed out that the vocational inability insurance in addition to the casualty insurance is the most important insurance 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational disablement cases is illness. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must quit their jobs for illness 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 income gap when not having an occupational inability assurance.
The German Riester-Assurance: The so called Riester-Assurance 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 privileges 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 solely, should think about a Riester-Insurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Assurance contracts.
The dog owner 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 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 supplier and contract for your specific needs. The research for the best insurance can be done on the Internet. There are advisable web pages which offer gratis comparisons of German dog owner insurances.
The private medical assurance: Private health insurance can be taken by entrepreneurs – regardless of their incomes. As an employee you may switch to the private sickness 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 assurance usually offers superior benefits than the national health assurance. Many insurance companies give the option of making modulation to the tariff of the active contract.
The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: Kapital-Lebensversicherung Preisvergleich. This comparison website is independent from a single insurance offerer and provides a sound overview of the market.
