Find your individual assurance quotation via online form
The insurance market is vague to most individuals. There are many assurance offerers. As a customer you can hardly get the overview. Nevertheless one wants to get the best solution. Nowadays it is a good choice to use a rate comparison web page as Guenstige Ruerup Rente, when you are in need of a particular assurance. There you can get your personal assurance offer from a great number of assurance vendors.
Some important German insurances - for example Privathaftpflichtversicherung Vergleich - which are mentioned in this context are:
The private liability assurance: Even a slight mistake for example an error in giving way when bicycling, or a careless cast off cigarette may cause huge damages. Especially when people come to harm, the claims of the victim may result in the financial ruin of the originator of loss. There is no limitation to the top. Therefore the private liability insurance is very important 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 health assurance: Private health insurance can be taken by self-employed people - regardless of their earnings. As an employee you may switch to the private medical insurance, if your yearly gross salary lies 3 years in a row over the insurance 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 insurance. Many assurance vendors give the option of making modulation to the tariff of the active agreement.
The home assurance: For most persons the own house is the most important investment in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property assurance is essential for every house owner. The household effects are not insured. This should be done by a separate household insurance. The elements of fire assurance and supply water assurance should always be included. Natural hazards might be a great risk for your house. So everybody should search a property 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-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 privileges as a bonus. Later you will receive monthly benefits a lifetime - in the form of an old-age pension or a payment plan. Each employed professional, who is not willing to rely on the governmental pension solely, should think about a Riester-Assurance plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Assurance plans.
The occupational disability assurance: Consumer protectors have repeatedly pointed out that the vocational invalidity assurance adjacent to the indemnity assurance is the most important assurance 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 disablement cases is disease. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must quit their jobs for illness 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 vocational disablement insurance.
The dog liability assurance: Without a dog liability 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 insurance suppliers. As a dog owner it is quite hard to find the best company and contract for your specific needs. The research for the right assurance can be done online. There are advisable websites which offer free comparisons of German dog liability insurances.
The above mentioned assurances and several more can be found at comparison websites on the Internet, such as: Guenstigste Riester Rente. This comparison web page is independent from a single assurance company and provides a sound overview of the market.