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The insurance market is opaque to most persons. There are many assurance companies. 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 rate comparison website as Preiswerte Riester Rente, when you are searching a particular insurance. There you can retrieve your personal assurance offer from a great number of assurance providers.

Some important German assurances – for instance Vergleich Reiseversicherung – which are mentioned in this context are:

The dog liability insurance: Without a dog liability 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 responsible for all damages of persons and vehicles. On the German assurance market there are many dog assurance companies. As a dog owner it is quite hard to find the best vendor and contract for your specific requirements. The research for the right assurance can be done via Internet. There are sound sites which offer gratis comparisons of German dog owner assurances.

The house assurance: For a lot of owners 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 property insurance is essential for every house owner. The household effects are not insured. This should be done by a separate household inventory insurance. 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. Insurance 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 assurance can be taken by self-employed people – regardless of their revenues. As an employee you may switch to the private medical assurance, if your yearly gross income 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 medical assurance usually offers superior benefits than the national health assurance. Many assurance companies give the option of making modulation to the tariff of the active agreement.

The vocational disability assurance: Consumer protectors have repeatedly pointed out that the vocational disability insurance in addition to the casualty insurance 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of occupational disablement 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 health reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the medical assurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an occupational disability insurance.

The car indemnity assurance: If you get a car for yourself, you have to insure it. The automobile liability insurance is required by law – without proof of liability assurance already the admission of the car is impossible. The auto indemnity assurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be effected. Comprehensive insurances pay for damages of your own automobile.

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 privileges 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 statutory pension exclusively, should take into consideration a Riester-Insurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public allowance for Riester-Insurance contracts.

The above mentioned assurances and several more can be found at comparison sites on the Internet, such as: Rechtsschutzversicherung Vergleich. This comparison web page is independent from a single insurance company and gives a sound overview of the market.

Filed under: General Interest