My Open Book

The assurance market is opaque to most individuals. There are many assurance companies. As a prospect you can hardly get the overview. Nevertheless one wants to get the right solution. Nowadays it is a good choice to use a tariff comparison web page as Beste Privathaftpflichtversicherung, when you are looking for a particular insurance. There you can obtain the right assurance quote from a great number of insurance companies.

Some important German assurances - e.g. Preisvergleich Riester Rente - which are mentioned in this context are:

The private liability insurance: 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 injury, the claims of the victim may result in the financial ruin of the author of damage. There is no limitation to the top. Therefore the private liability assurance is very important 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 property assurance: For most persons 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 assurance is essential for every house owner. The household effects are not insured. This should be done by a separate household assurance. The elements of fire insurance and supply water insurance should always be included. Natural hazards might be a great risk for your home. So everybody should look for a building 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 vocational inability assurance: Consumer advisers have repeatedly pointed out that the occupational inability insurance besides the indemnity assurance is the most important assurance ever. 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 health assurance and for unemployment benefits are exhausted, you are confronted with a large supply gap when not having an vocational inability assurance.

The German Riester-Assurance: 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 an annuity or a payment plan. Each employed professional, who is not willing to rely on the governmental pension solely, should consider a Riester-Assurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Assurance agreements.

The dog owner assurance: 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 liable for all damages of persons and vehicles. On the German assurance market there are many dog insurance companies. As a dog owner it is not easy to find the best vendor and contract for your specific requirements. The research for the best assurance can be done online. There are good web pages which offer free comparisons of German dog liability insurances.

The private sickness insurance: Private medical assurance can be taken by freelancers - 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 benefits than the statutory health assurance. Many insurance suppliers give the option of making adjustments to the tariff of the active agreement.

The above mentioned insurances and several more can be found at comparison websites on the Internet, such as: PKV Private Krankenversicherung Preisvergleich. This comparison website is independent from a single assurance offerer and provides a good overview of the market.

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