April 20th, 2009 by admin

The insurance market is opaque to most people. There are many assurance companies. As a prospect you can hardly get the overview. Nevertheless one wants to obtain the best solution. Nowadays it is a good idea to use a tariff comparison web page as Preiswerte Privathaftpflichtversicherung, when you are in need of a particular assurance. There you can get an affordable assurance offer from a great number of assurance companies.

Some important German insurances – for example Vergleich BU Berufsunfaehigkeitsversicherung – which are mentioned in this context are:

The dog liability insurance: Without a dog owner insurance 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 insurance providers. As a dog owner it is quite hard to find the right vendor and contract for your specific requirements. The research for the best insurance can be done online. There are advisable web pages which offer gratis comparisons of German dog owner assurances.

The home assurance: For most persons the own house is the biggest expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property insurance is essential for every house owner. The contents are not insured. This should be done by a separate household inventory assurance. The elements of fire assurance and supply water assurance should always be included. Natural hazards might be a great risk for your property. So everybody should look for a house 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 private medical assurance: Private sickness assurance can be taken by entrepreneurs – regardless of their incomes. As an employee you may switch to the private medical 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 better performance than the statutory health assurance. Many assurance offerers give the option of making adjustments to the tariff of the active contract.

The occupational disablement insurance: Consumer protectors have repeatedly pointed out that the vocational disablement insurance in addition to the casualty insurance is the most important insurance 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational disability 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 sickness insurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an occupational invalidity insurance.

The car casualty assurance: If you get a car for yourself, you have to insure it. The car casualty insurance is required by law – without proof of indemnity assurance already the admission of the car is impossible. The automobile indemnity assurance covers whenever you culpably cause a damage to another road user. Fully comprehensive cover or part insurance cover can voluntarily be contracted. Comprehensive assurances pay for damages of your own automobile.

The German Riester-Pension: The so called Riester-Assurance 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 privileges as a bonus. Later you will receive monthly benefits a lifetime – in the form of an annuity or a payment plan. Each employed professional, who is not willing to rely on the governmental pension solely, should consider a Riester-Assurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public allowance for Riester-Pension agreements.

The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: BU Berufsunfaehigkeitsversicherung Vergleich. This comparison site is independent from a single assurer and gives a nice overview of the market.