Get your individual assurance quote on the Internet
The assurance market is vague to most people. There are many assurance offerers. As a customer you can hardly get the overview. Nevertheless one wants to get the best solution. Nowadays it is a good idea to use a price comparison site as Guenstige Hausversicherung Gebaeudeversicherung, when you are looking for a particular assurance. There you can retrieve an affordable insurance quote from a great number of insurance suppliers.
Some important German insurances – for instance Grundbesitzerhaftpflichtversicherung Vergleich – which are mentioned in this context are:
The private liability assurance: Even a slight mistake e.g. a lapse in giving way when bicycling, or a careless discarded cigarette may cause extensive damages. Especially when people come to damage, the claims of the victim may result in the financial ruin of the polluter. There is no limitation to the top. Therefore the indemnity assurance is essential for everyone. With a private liability assurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The private sickness insurance: Private health insurance can be taken by self-employed people – regardless of their earnings. As an employee you may switch to the private health 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 medical insurance usually offers higher benefits than the national health insurance. Many assurance vendors give the option of making modulation to the tariff of the active agreement.
The house insurance: For many owners the own house is the most important investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property insurance is essential for every house owner. The personal belongings are not insured. This should be done by a separate householders assurance. The elements of fire insurance and mains water assurance should always be included. Natural hazards might be a great risk for your building. So everybody should search a property insurance which includes 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 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 reliefs 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 governmental pension alone, should think about a Riester-Assurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Pension agreements.
The occupational invalidity assurance: Consumer protectors have repeatedly pointed out that the occupational disablement insurance adjacent to the indemnity assurance is the most important assurance even. 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 disability cases is disease. Less common cause than illness 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 sickness insurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an vocational inability insurance.
The dog owner insurance: 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 liable for all damages of persons and vehicles. On the German insurance market there are many dog insurance providers. As a dog owner it is not easy to find the best vendor and contract for your specific requirements. The research for the right assurance can be done online. There are commendable web pages which offer gratis comparisons of German dog liability insurances.
The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: Guenstigste Kapital-Lebensversicherung. This comparison website is independent from a single insurance supplier and gives a nice overview of the market.
