The insurance market is vague to most persons. There are many assurance companies. As a prospect you can hardly get the overview. Nevertheless one wants to find the right solution. Nowadays it is a good idea to use a tariff comparison web page as Preiswerte Unfallversicherung, when you are in need of a particular insurance. There you can obtain the right insurance quote from a great number of assurance vendors.
Some important German assurances - e.g. Vergleich Krankenzusatzversicherung - which are mentioned in this context are:
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 insurance suppliers. As a dog owner it is quite hard to find the best company and contract for your specific requirements. The research for the right assurance can be done via Internet. There are recommendable web pages which offer gratis comparisons of German dog owner insurances.
The property assurance: For a lot of owners the own house is the largest expense 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 furniture is not insured. This should be done by a separate householders insurance. The elements of fire insurance and tap water assurance should always be included. Natural hazards might be a great risk for your house. So everybody should look for a house assurance which is covering 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 private health assurance: Private health insurance can be taken by freelancers - regardless of their earnings. As an employee you may switch to the private sickness insurance, if your annual gross salary 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 health insurance usually offers superior benefits than the governmental health insurance. Many insurance offerers give the option of making modulation to the tariff of the active contract.
The vocational disablement insurance: Consumer advisers have repeatedly pointed out that the occupational inability insurance besides the indemnity 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational 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 occupational inability assurance.
The car casualty assurance: If you get a car for yourself, you have to insure it. The auto indemnity assurance is required by law - without proof of liability insurance already the admission of the car is impossible. The automobile casualty assurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be effected. Hull insurances 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 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 statutory pension exclusively, should consider a Riester-Pension plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Assurance agreements.
The above mentioned assurances and several more can be found at comparison sites on the Internet, such as: Reiseversicherung Vergleich. This comparison site is independent from a single insurance provider and provides a sound overview of the market.
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