Get your individual insurance quotation on the Internet
The insurance market is ambigious to most customers. There are many insurance vendors. As a customer you can hardly get the overview. Nevertheless one wants to find the suitable solution. Nowadays it is a good idea to use a price comparison web page as Beste private Rentenversicherung, when you are searching a particular assurance. There you can retrieve your individual insurance offer from a great number of insurance companies.
Some important German assurances – e.g. Preisvergleich Grundbesitzerhaftpflichtversicherung – which are mentioned in this context are:
The private liability insurance: Even a slight mistake e.g. an error in giving way when bicycling, or a careless cast away cigarette may cause extensive damages. Especially when people come to injury, the claims of the victim may result in the financial ruin of the tortfeaser. There is no limitation to the top. Therefore the private liability assurance is essential for everyone. With an indemnity assurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The property insurance: For many persons the own house is the largest 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 house owner. The contents are not insured. This should be done by a separate householders insurance. The elements of fire insurance and mains water assurance should always be included. Natural hazards might be a great risk for your property. So everybody should look for a house assurance which is covering 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 occupational disablement insurance: Consumer protectors have repeatedly pointed out that the occupational invalidity assurance adjacent to 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 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 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 health assurance and for unemployment benefits are exhausted, you are confronted with a large income gap when not having an occupational disablement insurance.
The German Riester-Insurance: The so called Riester-Pension 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 breaks 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 national pension solely, should take into consideration a Riester-Assurance plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Assurance agreements.
The dog liability assurance: Without a dog owner 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 responsible for all damages of persons and vehicles. On the German assurance market there are many dog assurance suppliers. As a dog owner it is not easy to find the right supplier and contract for your specific needs. The research for the best insurance can be done via Internet. There are advisable websites which offer free comparisons of German dog liability insurances.
The private medical insurance: Private sickness assurance can be taken by freelancers – regardless of their earnings. As an employee you may switch to the private health insurance, 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 performance than the governmental health insurance. Many assurance providers give the option of making adjustments to the tariff of the active agreement.
The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: Tierversicherung Preisvergleich. This comparison web page is independent from a single insurance supplier and provides a good overview of the market.
This entry was posted on Sunday, August 23rd, 2009 at 7:21 am and is filed under General. You can follow any responses to this entry through the RSS 2.0 feed. Both comments and pings are currently closed.