Look for your individual assurance quotation via online form
The insurance market is opaque to most individuals. 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 idea to use a rate comparison site as Guenstige PKV Private Krankenversicherung, when you are looking for a particular insurance. There you can retrieve the right insurance quotation from a great number of insurance vendors.
Some important German insurances – e.g. Autoversicherung Vergleich – which are mentioned in this context are:
The private liability assurance: Even a marginal mistake such as an error in giving way when bicycling, or a careless cast away cigarette may cause enormous damages. Especially when people come to injury, the claims of the victim may result in the financial ruin of the wrongdoer. There is no limitation to the top. Therefore the indemnity assurance 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 private sickness insurance: Private health assurance can be taken by self-employed people – regardless of their salaries. As an employee you may switch to the private medical 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 health assurance usually offers superior performance than the governmental health assurance. Many assurance suppliers give the option of making customization to the tariff of the active agreement.
The building assurance: 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 assurance is essential for every homeowner. The household effects are not insured. This should be done by a separate household inventory assurance. The elements of fire assurance and mains water insurance should always be included. Natural hazards might be a great risk for your home. So everybody should look for a house 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 German Riester-Insurance: 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 concessions as a bonus. Later you will receive monthly benefits a lifetime – in the form of a retirement pension or a payment plan. Each employed professional, who is not willing to rely on the governmental pension solely, should think about a Riester-Pension agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Insurance agreements.
The occupational invalidity insurance: Consumer protectors have repeatedly pointed out that the vocational disability insurance among the casualty assurance 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 assurance 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 disease. Less common cause than disease 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 sickness assurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an occupational disability assurance.
The dog owner 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 insurance vendors. As a dog owner it is quite hard to find the right supplier and contract for your specific needs. The research for the right insurance can be done via Internet. There are good sites which offer gratis comparisons of German dog owner assurances.
The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: Guenstigste Pferdeversicherung. This comparison site is independent from a single assurance offerer and gives a nice overview of the market.
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