Written by The assurance market is ambigious to most persons. There are many assurance suppliers. As a private person you can hardly get the overview. Nevertheless one wants to get the fitting solution. Nowadays it is a good idea to use a rate comparison site as Beste Riester Rente, when you are looking for a particular assurance. There you can obtain your personal insurance offer from a great number of assurance providers.
Some important German assurances – e.g. Preisvergleich Tierversicherung – which are mentioned in this context are:
The private liability insurance: Even a small mistake for example a lapse in giving way when bicycling, or a careless cast off cigarette may cause enormous damages. Especially when people come to damage, the claims of the victim may result in the financial ruin of the wrongdoer. There is no limitation to the top. Therefore the casualty insurance is a necessity for everyone. With an indemnity assurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The building assurance: For most people the own house is the biggest investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a building insurance is essential for every owner of a house. The furniture is not insured. This should be done by a separate householders assurance. The elements of fire insurance and tap water insurance should always be included. Natural hazards might be a great risk for your home. So everybody should search a property insurance 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 invalidity assurance: Consumer advisers have repeatedly pointed out that the occupational invalidity assurance besides 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 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 sickness 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 income gap when not having an vocational disablement insurance.
The German Riester-Pension: 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 an old-age pension or a payment plan. Each employed professional, who is not willing to rely on the statutory pension solely, should take into consideration a Riester-Pension agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Assurance agreements.
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 responsible for all damages of persons and vehicles. On the German insurance market there are many dog assurance suppliers. As a dog owner it is not easy to find the best supplier and contract for your specific requirements. The research for the best assurance can be done via Internet. There are advisable web pages which offer gratis comparisons of German dog owner insurances.
The private health assurance: Private medical insurance can be taken by business owners – 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 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 medical assurance usually offers better benefits than the statutory health insurance. Many insurance offerers give the option of making customization to the tariff of the active contract.
The above mentioned assurances and several more can be found at comparison web pages on the Internet, such as: Ruerup Rente Preisvergleich. This comparison website is independent from a single assurance offerer and gives a good overview of the market.
