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The assurance market is ambigious to most clients. There are many assurance companies. 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 price comparison website as Guenstige private Altersvorsorge, when you are searching a particular assurance. There you can retrieve your personal assurance quote from a great number of assurers.

Some important German insurances – e.g. private Altersvorsorge Vergleich – which are mentioned in this context are:

The private liability assurance: Even a small mistake e.g. an error in giving way when bicycling, or a careless discarded cigarette may cause enormous damages. Especially when people come to loss, the claims of the victim may result in the financial ruin of the author of damage. There is no limitation to the top. Therefore the casualty insurance is a must for everyone. With a private liability assurance you and your family have protection from the typical liability risks of everyday life in the private sector.

The private medical insurance: Private sickness insurance can be taken by business owners – regardless of their earnings. As an employee you may switch to the private health insurance, 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 sickness assurance usually offers better benefits than the statutory health insurance. Many assurance vendors give the option of making adjustments to the tariff of the active agreement.

The building assurance: For a lot of persons the own house is the most important expense in their life. Hazards such as fire, water or storm can cause immense damages or even a total loss. Therefore a property insurance is essential for every owner of a house. The contents are not insured. This should be done by a separate household items insurance. The elements of fire insurance and tap water insurance should always be included. Natural hazards might be a great risk for your property. So everybody should search a building 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 German Riester-Pension: 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 breaks as a bonus. Later you will receive monthly benefits a lifetime – in the form of an annuity or a payment plan. Each employed professional, who is not willing to rely on the statutory pension exclusively, should consider a Riester-Assurance agreement. Also officials, judges and soldiers belong to the circle of beneficiaries of public sponsorship for Riester-Pension plans.

The vocational invalidity assurance: Consumer advisers have repeatedly pointed out that the vocational disablement insurance 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 insurance pays only a minimal disability pension for all people born up from the year 1961. The reason for the predominant number of vocational inability 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 health reasons before the time and must go into early retirement. When the claims for sickness benefits paid by the sickness insurance and for unemployment benefits are exhausted, you are confronted with a large supply gap when not having an vocational disablement assurance.

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 companies. As a dog owner it is not easy to find the best vendor and contract for your specific requirements. The research for the best insurance can be done on the Internet. There are good websites which offer cost-free comparisons of German dog owner insurances.

The above mentioned assurances and several more can be found at comparison sites on the Internet, such as: Guenstigste PKV Private Krankenversicherung. This comparison website is independent from a single assurance vendor and provides a good overview of the market.