Obtain your individual assurance offer online
The insurance market is vague to most clients. There are many insurers. As a client you can hardly get the overview. Nevertheless one wants to find the best solution. Nowadays it is a good idea to use a tariff comparison web page as Guenstige Autoversicherung, when you are in need of a particular assurance. There you can get your individual 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 slight mistake such as an error in giving way when bicycling, or a careless cast away cigarette may cause extensive damages. Especially when people come to tort, the claims of the victim may result in the financial ruin of the originator of loss. There is no limitation to the top. Therefore the casualty assurance is a must 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 private sickness assurance: Private sickness insurance can be taken by business owners – regardless of their salaries. As an employee you may switch to the private health assurance, 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 higher benefits than the national health assurance. Many insurance providers give the option of making modulation to the tariff of the active agreement.
The property insurance: For most owners the own house is the most important expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property assurance is essential for every owner of a house. The furniture is not insured. This should be done by a separate household inventory assurance. The elements of fire insurance and mains water insurance should always be included. Natural hazards might be a great risk for your property. So everybody should search a property 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 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 incentives 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 exclusively, should consider a Riester-Insurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Assurance plans.
The vocational disablement assurance: Consumer advisers have repeatedly pointed out that the vocational inability assurance besides the indemnity assurance is the most important insurance 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 assurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational inability cases is illness. Less common cause than illness 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 sickness assurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an occupational 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 assurance market there are many dog assurance companies. As a dog owner it is not easy to find the right company and contract for your specific requirements. The research for the right insurance can be done via Internet. There are sound websites which offer free comparisons of German dog owner insurances.
The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: Guenstigste Hausratversicherung. This comparison website is independent from a single assurance supplier and gives a nice overview of the market.