Get the best assurance quotation via Internet
The insurance market is vague to most individuals. There are many assurance companies. As a client you can hardly get the overview. Nevertheless one wants to obtain the best solution. Nowadays it is a good choice to use a tariff comparison web page as Preiswerte Hausversicherung Gebaeudeversicherung, when you are looking for a particular assurance. There you can obtain an affordable assurance quotation from a great number of insurance suppliers.
Some important German insurances - e.g. Vergleich Kapital-Lebensversicherung - which are mentioned in this context are:
The dog owner 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 insurance market there are many dog assurance companies. As a dog owner it is not easy to find the best supplier and contract for your specific requirements. The research for the best assurance can be done via Internet. There are good sites which offer free comparisons of German dog owner assurances.
The home insurance: For a lot of people the own house is the largest 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 furniture is not insured. This should be done by a separate household insurance. The elements of fire assurance and mains water assurance should always be included. Natural hazards might be a great risk for your building. So everybody should look for 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 health assurance: Private sickness insurance can be taken by self-employed people - regardless of their earnings. 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 medical insurance usually offers higher performance than the national health insurance. Many insurance companies give the option of making modulation to the tariff of the active agreement.
The occupational disability insurance: Consumer protectors have repeatedly pointed out that the occupational disablement assurance in addition to 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 occupational disablement 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 sickness 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 money gap when not having an occupational invalidity insurance.
The car liability assurance: If you get an automobile for yourself, you have to insure it. The automobile liability assurance is required by law - without proof of indemnity assurance already the admission of the car is impossible. The auto indemnity assurance helps whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be contracted. Hull assurances pay for damages of your own vehicle.
The German Riester-Pension: 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 an annuity or a payment plan. Each employed professional, who is not willing to rely on the statutory pension solely, should think about a Riester-Insurance plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public allowance for Riester-Assurance plans.
The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: Riester Rente Vergleich. This comparison site is independent from a single assurance provider and gives a nice overview of the market.