Individuals sometimes perceive assurance contracts are vague. There exist lots of insurers. As a prospect one can hardly get an overview. Nevertheless the reader wants to obtain the suitable solution. Consequently it is a good idea to seize an insurance comparison site, when the reader is in need of a particular assurance. There you can get the right insurance quotation from a great range of assurers. Several common German assurances and financial products – for instance: www.tarifhit24.de/index.php/krankenzusatzversicherung/ – are discussed in this context:
The pet owner assurance: Without a pet liability assurance every dog owner carries a very high risk of liability when their four-legged friend once causes a damage. When the dog runs across the street and causes a traffic accident, the owner might be held liable for all damages of people and vehicles. On the German assurance market there are many dog assurers. As a pet owner it is quite hard to find the best supplier and contract for your specific requirements. The research for the best insurance can be done on the Internet. There are advisable Internet pages which provide gratis comparisons of German pet liability insurances.
The private sickness insurance: Private medical assurance can be taken by business owners – regardless of their incomes. As an employee one can switch to the private medical assurance, if your annual gross salary lies 3 years in a row over the insurance limit of 49,950 Euros (equivalent to 4,162.50 Euros a month, status of 2010). Also officials, judges and members of parliament are regularly privately insured. The German private health assurance usually gives better performance than the statutory health assurance. Many insurance providers give the option of making adjustments to the tariff of the active assurance agreement.
The occupational invalidity insurance: Consumer advisers have regularly said that the vocational invalidity insurance besides the private liability insurance is the most important insurance 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 seldom helps in such an incident – 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 disability cases is illness. Less common cause than disease is a previous accident. About every 4th worker and every 5th employee must terminate 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 supply gap when not having a vocational invalidity assurance.
The car liability assurance: If you get an automobile for yourself, you have to insure it. The auto indemnity assurance is required by law – without proof of casualty insurance already the admission of the car is impossible. The car casualty insurance helps whenever you culpably cause a damage to another road user. Fully comprehensive cover or part assurance cover can voluntarily be concluded. Hull insurances pay for damages of your own automobile.
The edifice assurance: For most persons 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 building insurance is essential for every homeowner. The furniture is not insured. This should be done by a separate household inventory insurance. The elements of fire insurance and tap water insurance should always be included. Natural hazards might be a great risk for your home. So everybody should search building assurance which includes 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 above mentioned assurances and several others might be found at specialized price comparison web pages: autoversicherung kostenloser vergleich. This tariff comparison Internet page is independent from a specific assurer and provides a nice overview of the market. Readers can read different money related posts on the following web page: insurance articles. Just read these insurance related articles and stay tuned.