The assurance market is opaque to most clients. There are many insurance providers. As a prospect you can hardly get the overview. Nevertheless one wants to obtain the suitable solution. Nowadays it is a good choice to use a tariff comparison web page as Preiswerte Tierversicherung, when you are in need of a particular assurance. There you can obtain your personal insurance quote from a great number of insurers.
Some important German insurances – e.g. Vergleich Hausversicherung Gebaeudeversicherung – which are mentioned in this context are:
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 insurers. As a dog owner it is not easy to find the best company and contract for your specific needs. The research for the right assurance can be done online. There are recommendable websites which offer gratis comparisons of German dog liability assurances.
The property insurance: For a lot of 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 house assurance is essential for every house owner. The contents 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 property. So everybody should search a property assurance which includes 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 private medical assurance: Private medical insurance can be taken by freelancers – regardless of their salaries. As an employee you may switch to the private sickness assurance, if your yearly 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 performance than the statutory health assurance. Many insurance offerers give the option of making adjustments to the tariff of the active agreement.
The vocational disability insurance: Consumer advisers have repeatedly pointed out that the vocational disablement insurance adjacent to the private liability insurance is the most important insurance 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 assurance 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 terminate their jobs for illness 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 vocational disablement assurance.
The automobile indemnity assurance: If you get a car for yourself, you have to insure it. The car casualty assurance is required by law – without proof of casualty assurance already the admission of the car is impossible. The car liability assurance helps whenever you culpably cause a damage to another road user. Fully comprehensive cover or part insurance cover can voluntarily be concluded. Comprehensive insurances pay for damages of your own car.
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 privileges 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 statutory pension alone, should take into consideration a Riester-Insurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Pension contracts.
The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: Autoversicherung Vergleich. This comparison site is independent from a single assurance provider and provides a nice overview of the market.