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The assurance market is opaque to most people. There are many assurance companies. As a private person you can hardly get the overview. Nevertheless one wants to get the fitting solution. Nowadays it is a good choice to use a tariff comparison site as Guenstige Unfallversicherung, when you are searching a particular assurance. There you can get the right insurance quote from a great number of insurance offerers.

Some important German insurances – for instance Grundbesitzerhaftpflichtversicherung Vergleich – which are mentioned in this context are:

The private liability insurance: Even a slight mistake e.g. an error in giving way when bicycling, or a careless discarded cigarette may cause extensive damages. Especially when people come to injury, the claims of the victim may result in the financial ruin of the tortfeaser. There is no limitation to the top. Therefore the private liability assurance is very important 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 private sickness assurance: Private sickness insurance can be taken by entrepreneurs – regardless of their revenues. As an employee you may switch to the private health insurance, if your yearly 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 insurance usually offers superior performance than the statutory health insurance. Many assurance vendors give the option of making customization to the tariff of the active contract.

The property insurance: For most owners 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 building insurance is essential for every homeowner. The household effects are not insured. This should be done by a separate household inventory assurance. The elements of fire insurance and mains water insurance should always be included. Natural hazards might be a great risk for your property. So everybody should search a house 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-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 breaks as a bonus. Later you will receive monthly benefits a lifetime – in the form of a retirement pay or a payment plan. Each employed professional, who is not willing to rely on the national pension exclusively, should consider a Riester-Assurance contract. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Insurance agreements.

The vocational inability assurance: Consumer advisers have repeatedly pointed out that the occupational inability assurance in addition to the casualty insurance is the most important assurance actually. 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 disease. Less common cause than illness 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 income gap when not having an vocational invalidity assurance.

The dog liability assurance: 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 responsible for all damages of persons and vehicles. On the German assurance market there are many dog assurance suppliers. As a dog owner it is not easy to find the right vendor and contract for your specific requirements. The research for the best assurance can be done on the Internet. There are good websites which offer free comparisons of German dog owner assurances.

The above mentioned insurances and several more can be found at comparison sites on the Internet, such as: Guenstigste Krankenzusatzversicherung. This comparison website is independent from a single assurance provider and gives a good overview of the market.

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