Trivia Galaxy

The insurance market is vague to most customers. There are many insurance providers. 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 tariff comparison site as Guenstige Rechtsschutzversicherung, when you are looking for a particular insurance. There you can obtain an affordable insurance quote from a great number of assurance providers.

Some important German assurances – for example Privathaftpflichtversicherung Vergleich – which are mentioned in this context are:

The private liability assurance: Even a slight mistake such as a lapse in giving way when bicycling, or a careless cast off cigarette may cause enormous damages. Especially when people come to loss, the claims of the victim may result in the financial ruin of the tortfeaser. There is no limitation to the top. Therefore the indemnity 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 private health assurance: Private medical insurance can be taken by freelancers – regardless of their salaries. As an employee you may switch to the private sickness insurance, 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 health insurance usually offers better benefits than the national health assurance. Many insurance vendors give the option of making adjustments to the tariff of the active contract.

The home insurance: For most people 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 house assurance is essential for every owner of a house. The contents are not insured. This should be done by a separate household contents insurance. The elements of fire assurance and supply water assurance should always be included. Natural hazards might be a great risk for your house. So everybody should search a property insurance which is covering 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 German Riester-Assurance: 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 pension or a payment plan. Each employed professional, who is not willing to rely on the governmental pension exclusively, should consider a Riester-Insurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Insurance contracts.

The vocational invalidity insurance: Consumer protectors have repeatedly pointed out that the vocational disablement assurance adjacent to the casualty 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 disease. Less common cause than disease 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 health assurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an occupational invalidity insurance.

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 liable for all damages of persons and vehicles. On the German insurance market there are many dog assurance offerers. As a dog owner it is quite hard to find the best vendor and contract for your specific requirements. The research for the best insurance can be done via Internet. There are commendable websites which offer gratis comparisons of German dog liability assurances.

The above mentioned assurances and several more can be found at comparison web pages on the Internet, such as: Guenstigste Reiseversicherung. This comparison web page is independent from a single insurance supplier and provides a nice overview of the market.

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