The assurance market is vague to most individuals. There are many assurance companies. As a private person you can hardly get the overview. Nevertheless one wants to get the best solution. Nowadays it is a good idea to use a rate comparison web page as Preiswerte Riester Rente, when you are looking for a particular assurance. There you can retrieve the right insurance offer from a great number of assurance suppliers.
Some important German assurances – for instance Vergleich BU Berufsunfaehigkeitsversicherung – which are mentioned in this context are:
The dog liability insurance: Without a dog liability 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 liable for all damages of persons and vehicles. On the German assurance market there are many dog assurance providers. As a dog owner it is not easy to find the right provider and contract for your specific requirements. The research for the right insurance can be done on the Internet. There are good websites which offer cost-free comparisons of German dog owner insurances.
The home assurance: For many owners 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 home assurance is essential for every owner of a house. The contents are not insured. This should be done by a separate household contents assurance. The elements of fire assurance and mains water assurance should always be included. Natural hazards might be a great risk for your home. 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 health assurance: Private health insurance can be taken by entrepreneurs – regardless of their revenues. As an employee you may switch to the private sickness insurance, 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 higher benefits than the governmental health insurance. Many insurers give the option of making adjustments to the tariff of the active agreement.
The vocational inability assurance: Consumer protectors have repeatedly pointed out that the occupational invalidity assurance among the casualty insurance 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 disease 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 medical assurance and for unemployment benefits are exhausted, you are confronted with a large supply gap when not having an occupational inability assurance.
The automobile indemnity assurance: If you get an automobile for yourself, you have to insure it. The car indemnity insurance is required by law – without proof of casualty insurance already the admission of the car is impossible. The auto casualty assurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part insurance cover can voluntarily be effected. Comprehensive assurances pay for damages of your own car.
The German Riester-Pension: The so called Riester-Insurance 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 incentives 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 alone, should take into consideration a Riester-Insurance plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Assurance contracts.
The above mentioned assurances and several more can be found at comparison web pages on the Internet, such as: Pferdeversicherung Vergleich. This comparison web page is independent from a single assurance vendor and provides a nice overview of the market.
