The insurance market is vague to most people. There are many insurance offerers. As a prospect you can hardly get the overview. Nevertheless one wants to find the fitting solution. Nowadays it is a good choice to use a tariff comparison web page as Preiswerte Pferdeversicherung, when you are searching a particular assurance. There you can obtain the right assurance offer from a great number of insurance vendors.
Some important German insurances – for example Vergleich Rechtsschutzversicherung – which are mentioned in this context are:
The dog liability assurance: Without a dog liability 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 assurance market there are many dog assurance providers. As a dog owner it is not easy to find the right vendor and contract for your specific needs. The research for the best assurance can be done via Internet. There are good sites which offer cost-free comparisons of German dog owner assurances.
The property insurance: For many persons the own house is the biggest investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a home insurance is essential for every house owner. The personal belongings are not insured. This should be done by a separate household inventory insurance. The elements of fire insurance and mains water insurance should always be included. Natural hazards might be a great risk for your house. So everybody should look for a property assurance 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 private sickness assurance: Private health insurance can be taken by self-employed people – regardless of their salaries. As an employee you may switch to the private sickness assurance, if your annual 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 medical assurance usually offers higher benefits than the statutory health insurance. Many insurance suppliers give the option of making customization to the tariff of the active agreement.
The vocational inability assurance: Consumer protectors have repeatedly pointed out that the vocational invalidity insurance besides the private liability insurance is the most important assurance 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational inability cases is disease. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must terminate their jobs for illness reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the sickness insurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an vocational disability insurance.
The car liability assurance: If you get a car for yourself, you have to insure it. The auto liability insurance is required by law – without proof of liability assurance already the admission of the car is impossible. The auto liability insurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be taken out. Hull assurances pay for damages of your own car.
The German Riester-Pension: 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 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 national pension solely, should think about a Riester-Insurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Insurance agreements.
The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: PKV Private Krankenversicherung Vergleich. This comparison site is independent from a single assurance company and provides a sound overview of the market.
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