The assurance market is opaque to most clients. There are many assurance suppliers. As a customer 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 Beste Autoversicherung, when you are looking for a particular insurance. There you can retrieve an affordable insurance quote from a great number of insurance companies.
Some important German insurances - e.g. Preisvergleich PKV Private Krankenversicherung - which are mentioned in this context are:
The private liability insurance: Even a small mistake for example an error in giving way when bicycling, or a careless discarded cigarette may cause enormous damages. Especially when people come to harm, the claims of the victim may result in the financial ruin of the author of damage. There is no limitation to the top. Therefore the private liability assurance is a necessity for everyone. With an indemnity insurance you and your family have protection from the typical liability risks of everyday life in the private sector.
The house insurance: For most people 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 building assurance is essential for every house owner. The household effects are not insured. This should be done by a separate householders insurance. The elements of fire assurance and supply water insurance should always be included. Natural hazards might be a great risk for your house. So everybody should look for a building 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 occupational disablement assurance: Consumer protectors have repeatedly pointed out that the vocational inability insurance adjacent to the private liability assurance is the most important insurance at all. 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 invalidity cases is disease. 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 assurance and for unemployment benefits are exhausted, you are confronted with a large money gap when not having an occupational invalidity insurance.
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 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 statutory pension exclusively, should consider a Riester-Insurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Pension plans.
The dog owner insurance: 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 liable for all damages of persons and vehicles. On the German assurance market there are many dog assurance suppliers. As a dog owner it is quite hard to find the right vendor and contract for your specific needs. The research for the best insurance can be done on the Internet. There are recommendable websites which offer free comparisons of German dog owner insurances.
The private sickness insurance: Private health insurance can be taken by self-employed people - regardless of their salaries. As an employee you may switch to the private medical 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 higher benefits than the national health insurance. Many assurance vendors give the option of making modulation to the tariff of the active contract.
The above mentioned assurances and several more can be found at comparison web pages on the Internet, such as: private Altersvorsorge Preisvergleich. This comparison site is independent from a single assurer and gives a sound overview of the market.
