The assurance market is ambigious to most clients. There are many insurers. As a private person you can hardly get the overview. Nevertheless one wants to find the right solution. Nowadays it is a good choice to use a rate comparison site as Preiswerte private Altersvorsorge, when you are searching a particular insurance. There you can retrieve your individual assurance offer from a great number of assurers.
Some important German assurances – for example Vergleich Grundbesitzerhaftpflichtversicherung – which are mentioned in this context are:
The dog liability insurance: Without a dog liability 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 assurance market there are many dog assurance offerers. As a dog owner it is not easy to find the right vendor and contract for your specific requirements. The research for the right assurance can be done via Internet. There are advisable websites which offer free comparisons of German dog owner assurances.
The property insurance: For a lot of people the own house is the largest 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 homeowner. The furniture is not insured. This should be done by a separate householders insurance. The elements of fire assurance and mains water insurance should always be included. Natural hazards might be a great risk for your building. So everybody should search a home assurance which is covering these special risks. Insurance 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 medical assurance can be taken by business owners – regardless of their earnings. As an employee you may switch to the private medical assurance, if your annual 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 medical insurance usually offers higher benefits than the governmental health insurance. Many insurers give the option of making customization to the tariff of the active contract.
The occupational disablement assurance: Consumer protectors have repeatedly pointed out that the vocational inability assurance in addition to the private liability insurance 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 occupational invalidity cases is illness. 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 assurance.
The auto indemnity insurance: If you get a car for yourself, you have to insure it. The auto casualty insurance is required by law – without proof of liability insurance already the admission of the car is impossible. The automobile casualty insurance 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 vehicle.
The German Riester-Assurance: 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 incentives 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 national pension exclusively, should take into consideration a Riester-Assurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public aid for Riester-Insurance agreements.
The above mentioned assurances and several more can be found at comparison web pages on the Internet, such as: Ruerup Rente Vergleich. This comparison site is independent from a single insurer and provides a sound overview of the market.