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The assurance market is ambigious to most customers. There are many insurance suppliers. As a client you can hardly get the overview. Nevertheless one wants to get the best solution. Nowadays it is a good idea to use a tariff comparison website as Beste PKV Private Krankenversicherung, when you are searching a particular assurance. There you can retrieve your individual insurance quotation from a great number of insurance offerers.

Some important German insurances – e.g. Preisvergleich Unfallversicherung – which are mentioned in this context are:

The private liability assurance: Even a marginal 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 injuring party. There is no limitation to the top. Therefore the private liability assurance is recommended 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 house insurance: For a lot of persons the own house is the biggest expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a home assurance 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 mains water assurance should always be included. Natural hazards might be a great risk for your building. So everybody should look for a home assurance which is covering 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 occupational disability insurance: Consumer advisers have repeatedly pointed out that the occupational inability assurance adjacent to the private liability insurance 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 inability 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 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 supply gap when not having an occupational disablement assurance.

The German Riester-Insurance: The so called Riester-Insurance 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 old-age pension or a payment plan. Each employed professional, who is not willing to rely on the governmental pension exclusively, should think about a Riester-Assurance plan. Also officials, judges and soldiers belong to the circle of beneficiaries of public support for Riester-Insurance plans.

The dog liability 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 responsible for all damages of persons and vehicles. On the German insurance market there are many dog insurance suppliers. As a dog owner it is quite hard to find the best vendor and contract for your specific requirements. The research for the best assurance can be done on the Internet. There are advisable web pages which offer free comparisons of German dog owner assurances.

The private health assurance: Private health assurance can be taken by freelancers – regardless of their salaries. As an employee you may switch to the private medical assurance, if your annual gross income 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 providers give the option of making modulation to the tariff of the active agreement.

The above mentioned insurances and several more can be found at comparison websites on the Internet, such as: Hausversicherung Gebaeudeversicherung Preisvergleich. This comparison web page is independent from a single assurance company and provides a good overview of the market.