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The insurance market is ambigious to most people. There are many assurance companies. As a client you can hardly get the overview. Nevertheless one wants to find the suitable solution. Nowadays it is a good idea to use a price comparison web page as Preiswerte private Altersvorsorge, when you are looking for a particular insurance. There you can retrieve the right insurance offer from a great number of assurers.

Some important German assurances – for instance Vergleich Unfallversicherung – which are mentioned in this context are:

The dog owner assurance: Without a dog owner 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 responsible for all damages of persons and vehicles. On the German assurance market there are many dog insurers. As a dog owner it is quite hard to find the best company and contract for your specific requirements. The research for the right assurance can be done on the Internet. There are sound sites which offer cost-free comparisons of German dog owner insurances.

The building assurance: For many owners 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 household effects are not insured. This should be done by a separate household inventory insurance. The elements of fire assurance and supply water assurance should always be included. Natural hazards might be a great risk for your building. So everybody should search a house 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 medical insurance: Private health insurance can be taken by self-employed people – regardless of their incomes. As an employee you may switch to the private health 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 health insurance usually offers higher benefits than the statutory health insurance. Many insurance vendors give the option of making adjustments to the tariff of the active agreement.

The vocational inability insurance: Consumer protectors have repeatedly pointed out that the occupational inability assurance in addition to the indemnity insurance is the most important insurance 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 occupational disability cases is illness. Less common cause than illness 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 medical assurance and for unemployment benefits are exhausted, you are confronted with a large income gap when not having an occupational disablement assurance.

The auto casualty insurance: If you get a car for yourself, you have to insure it. The automobile casualty assurance is required by law – without proof of casualty assurance already the admission of the car is impossible. The automobile indemnity assurance helps whenever you culpably cause a damage to another road user. Fully comprehensive cover or part insurance cover can voluntarily be contracted. Hull insurances pay for damages of your own automobile.

The German Riester-Insurance: 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 allowances 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 national pension solely, should think about a Riester-Insurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Insurance plans.

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

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