Get your individual insurance quote online April 17th, 2009
The assurance market is ambigious to most individuals. There are many insurance vendors. As a client you can hardly get the overview. Nevertheless one wants to find the suitable solution. Nowadays it is a good choice to use a tariff comparison website as Preiswerte Krankenzusatzversicherung, when you are searching a particular insurance. There you can retrieve your personal assurance quotation from a great number of insurance providers.
Some important German assurances – e.g. Vergleich private Rentenversicherung – which are mentioned in this context are:
The dog liability insurance: 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 insurance market there are many dog insurance vendors. As a dog owner it is quite hard to find the best supplier and contract for your specific requirements. The research for the right insurance can be done via Internet. There are commendable sites which offer gratis comparisons of German dog owner assurances.
The house assurance: For a lot of persons the own house is the biggest expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a building assurance is essential for every owner of a house. The personal belongings are not insured. This should be done by a separate householders insurance. The elements of fire insurance and supply water insurance should always be included. Natural hazards might be a great risk for your building. So everybody should look for a property insurance 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 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 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 sickness insurance usually offers superior benefits than the governmental health insurance. Many insurance companies give the option of making adjustments to the tariff of the active agreement.
The vocational invalidity insurance: Consumer advisers have repeatedly pointed out that the vocational invalidity assurance in addition to the private liability assurance is the most important insurance at all. 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 inability cases is illness. Less common cause than disease 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 income gap when not having an vocational disability insurance.
The automobile indemnity assurance: If you get a car for yourself, you have to insure it. The automobile indemnity assurance is required by law – without proof of liability assurance already the admission of the car is impossible. The auto casualty assurance helps whenever you culpably cause a damage to another road user. Fully comprehensive cover or part insurance cover can voluntarily be contracted. Hull assurances pay for damages of your own car.
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 breaks 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 governmental pension solely, should think about a Riester-Pension agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public allowance for Riester-Assurance agreements.
The above mentioned insurances and several more can be found at comparison web pages on the Internet, such as: Reiseversicherung Vergleich. This comparison site is independent from a single insurance vendor and provides a nice overview of the market.