The assurance market is ambigious to most persons. There are many assurers. As a client you can hardly get the overview. Nevertheless one wants to obtain the right solution. Nowadays it is a good idea to use a tariff comparison web page as Autoversicherung Kfz Versicherung, when you are in need of a particular assurance. There you can retrieve the right assurance offer from a great number of assurers.
Some important German assurances – e.g. Guenstigste Hausratversicherung – which are mentioned in this context are:
The vocational invalidity assurance: Consumer advisers have repeatedly pointed out that the vocational invalidity assurance among the casualty assurance is the most important assurance 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 assurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational invalidity cases is disease. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must quit their jobs for illness 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 supply gap when not having an vocational invalidity assurance.
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 reliefs 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 think about a Riester-Pension plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Pension agreements.
The auto casualty assurance: If you get an automobile for yourself, you have to insure it. The auto casualty assurance is required by law – without proof of casualty 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 assurance cover can voluntarily be effected. Hull assurances pay for damages of your own car.
The private medical assurance: Private medical assurance can be taken by entrepreneurs – regardless of their earnings. As an employee you may switch to the private medical assurance, if your yearly 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 medical assurance usually offers better performance than the governmental health assurance. Many assurers give the option of making adjustments to the tariff of the active contract.
The dog owner assurance: 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 assurance market there are many dog assurers. As a dog owner it is quite hard to find the right supplier and contract for your specific requirements. The research for the right assurance can be done on the Internet. There are sound web pages which offer gratis comparisons of German dog owner assurances.
The private liability assurance: Even a marginal mistake such as a lapse in giving way when bicycling, or a careless cast away cigarette may cause huge damages. Especially when people come to damage, the claims of the victim may result in the financial ruin of the originator of loss. There is no limitation to the top. Therefore the casualty assurance is a necessity for everyone. With a casualty assurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The above mentioned assurances and several more can be found at comparison web pages on the Internet, such as: Guenstige Rechtsschutzversicherung. This comparison web page is independent from a single assurance vendor and gives a nice overview of the market.
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