Find the suitable insurance offer via online form
The assurance market is opaque to most clients. There are many insurers. As a private person you can hardly get the overview. Nevertheless one wants to find the fitting solution. Nowadays it is a good idea to use a price comparison website as Preiswerte Riester Rente, when you are in need of a particular insurance. There you can retrieve the right insurance offer from a great number of assurance offerers.
Some important German assurances – for instance Vergleich Riester Rente – which are mentioned in this context are:
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 responsible for all damages of persons and vehicles. On the German insurance market there are many dog insurance vendors. As a dog owner it is quite hard to find the best company and contract for your specific needs. The research for the best assurance can be done via Internet. There are sound websites which offer gratis comparisons of German dog owner insurances.
The building assurance: For most 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 assurance is essential for every house owner. The contents are not insured. This should be done by a separate household insurance. The elements of fire assurance and tap water assurance should always be included. Natural hazards might be a great risk for your building. So everybody should search a building 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 sickness assurance: Private sickness assurance can be taken by entrepreneurs – regardless of their earnings. As an employee you may switch to the private sickness insurance, if your annual 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 sickness insurance usually offers higher performance than the national health insurance. Many assurance suppliers give the option of making adjustments to the tariff of the active agreement.
The occupational disability insurance: Consumer protectors have repeatedly pointed out that the occupational disability assurance adjacent to the private liability 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 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 disease. Less common cause than disease 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 medical insurance and for unemployment benefits are exhausted, you are confronted with a large supply gap when not having an occupational inability assurance.
The auto casualty assurance: If you get an automobile for yourself, you have to insure it. The automobile liability assurance is required by law – without proof of indemnity assurance already the admission of the car is impossible. The automobile indemnity insurance helps whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be taken out. Comprehensive insurances pay for damages of your own vehicle.
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 breaks as a bonus. Later you will receive monthly benefits a lifetime – in the form of an old-age pension or a payment plan. Each employed professional, who is not willing to rely on the governmental pension exclusively, should think about a Riester-Assurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Pension agreements.
The above mentioned assurances and several more can be found at comparison sites on the Internet, such as: Reiseversicherung Vergleich. This comparison website is independent from a single assurance provider and provides a nice overview of the market.