Obtain your individual insurance quote online
The insurance market is vague to most people. There are many insurance offerers. As a prospect you can hardly get the overview. Nevertheless one wants to find the fitting solution. Nowadays it is a good idea to use a price comparison website as Guenstige PKV Private Krankenversicherung, when you are in need of a particular assurance. There you can get an affordable insurance quotation from a great number of insurance providers.
Some important German insurances – e.g. Ruerup Rente Vergleich – which are mentioned in this context are:
The private liability assurance: Even a marginal mistake e.g. an error in giving way when bicycling, or a careless cast off cigarette may cause enormous damages. Especially when people come to injury, the claims of the victim may result in the financial ruin of the polluter. There is no limitation to the top. Therefore the indemnity insurance is a must for everyone. With a private liability insurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The private sickness insurance: Private sickness insurance can be taken by self-employed people – regardless of their revenues. As an employee you may switch to the private health assurance, if your yearly gross income 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 statutory health insurance. Many assurance suppliers give the option of making adjustments to the tariff of the active contract.
The home assurance: For most people the own house is the most important expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a house insurance is essential for every owner of a house. The contents are not insured. This should be done by a separate household assurance. The elements of fire insurance and supply water insurance should always be included. Natural hazards might be a great risk for your property. So everybody should look for a building insurance 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 German Riester-Insurance: 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 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 statutory pension solely, should take into consideration a Riester-Assurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Pension plans.
The occupational invalidity insurance: Consumer advisers have repeatedly pointed out that the occupational disablement 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational inability cases is illness. Less common cause than illness 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 health insurance and for unemployment benefits are exhausted, you are confronted with a large supply gap when not having an occupational disablement assurance.
The dog liability 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 insurers. As a dog owner it is not easy to find the right supplier and contract for your specific needs. The research for the right assurance can be done on the Internet. There are recommendable websites which offer gratis comparisons of German dog owner assurances.
The above mentioned assurances and several more can be found at comparison sites on the Internet, such as: Guenstigste Tierversicherung. This comparison website is independent from a single insurance supplier and provides a good overview of the market.
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