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Obtain your individual assurance quotation via online comparison
July 29, 2009
The insurance market is vague to most individuals. There are many assurance offerers. As a client you can hardly get the overview. Nevertheless one wants to find the fitting solution. Nowadays it is a good choice to use a tariff comparison website as Preiswerte Autoversicherung, when you are in need of a particular assurance. There you can get the right insurance quote from a great number of assurance suppliers.
Some important German insurances - e.g. Vergleich BU Berufsunfaehigkeitsversicherung - which are mentioned in this context are:
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 insurance market there are many dog insurance offerers. As a dog owner it is quite hard to find the right supplier and contract for your specific needs. The research for the right insurance can be done on the Internet. There are recommendable websites which offer free comparisons of German dog liability assurances.
The property insurance: For many owners the own house is the biggest investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a building insurance is essential for every owner of a house. The furniture is not insured. This should be done by a separate householders insurance. The elements of fire insurance and tap water insurance should always be included. Natural hazards might be a great risk for your property. So everybody should search a property assurance 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 private sickness insurance: Private sickness assurance can be taken by self-employed people - regardless of their salaries. As an employee you may switch to the private health assurance, 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 medical assurance usually offers higher benefits than the statutory health assurance. Many insurance suppliers give the option of making modulation to the tariff of the active contract.
The occupational disability assurance: Consumer protectors have repeatedly pointed out that the occupational disability assurance among the indemnity assurance is the most important assurance even. 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 disablement 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 health reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the medical insurance and for unemployment benefits are exhausted, you are confronted with a large supply gap when not having an occupational disability insurance.
The auto casualty assurance: If you get a car for yourself, you have to insure it. The automobile liability insurance is required by law - without proof of liability insurance already the admission of the car is impossible. The car indemnity 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-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 reliefs 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 solely, should consider a Riester-Assurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Pension agreements.
The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: Unfallversicherung Vergleich. This comparison web page is independent from a single insurer and gives a nice overview of the market.