Private insurance

The daily challenges and pleasures of life can quickly be overshadowed when others suffer damage as a result of an accident. A moment of inattention, for example when cycling, walking or even shopping or visiting friends, can quickly lead to annoyance and expense. This can affect not only objects or property, but also result in significant personal injury with high costs for medical treatment and, in some cases, hospitalisation.

Insurers examine both the amount and the grounds for any claims made. They not only settle justified liability claims under private law and compensate injured parties for their losses, but also defend against unjustified claims – both in and out of court.

Insuring your own ability to work is essential. Younger generations will only receive reduced earning capacity pensions at a comparatively low level from the statutory pension insurance scheme. Occupational disability insurance is based on your actual occupation, whereas reduced earning capacity pensions are based on a fundamentally possible scope of activity.

The financial gap between income from employment and statutory benefits in the event of occupational disability is so significant that occupational disability insurance is considered one of the most important types of private insurance. The scope of insurance coverage is based on individual parameters, in particular income level and state of health at the time the contract is concluded.

Glass breakage in residential buildings and on furniture glazing can also be caused by other hazards than those usually covered by residential building insurance, for example.

This may also include the breakage of a ceramic hob. Glass insurance offers additional cover to household and building insurance, including in the event of glass breakage.

The beautiful and useful items acquired over years and decades in the immediate living area should be replaceable in the event of damage, destruction or even theft following a burglary. Owners are often unaware of the significant value of these items. This also includes all items of clothing in wardrobes.

In order to avoid having to value each individual item, a fixed value per square metre of living space proposed by the insurer can be used as the basis for the sum insured. The resulting sum insured also applies if the actual insurance value is higher in the event of a claim (waiver of underinsurance review by the insurer).

The insured risks basically include fire, tap water, storm, hail, burglary and theft, and can be supplemented by other risks such as natural hazards. In addition, extended coverage is possible, e.g. for valuables above general compensation limits and bicycle theft.

Health is generally considered to be the most precious thing a person has, and it must be protected. Medical care in the event of illness, for preventive care and nursing care should be optimal. Comprehensive health insurance offers numerous options through different tariffs, whether through optional service modules or co-payment models.

However, it is not only comprehensive health insurance policies, which require sufficient health and income at the time of conclusion of the contract, but also numerous options for private supplementary health insurance for those with statutory insurance, such as supplementary inpatient tariffs, daily sickness allowance and dental prosthesis insurance, that can contribute to protecting and maintaining health.

Life insurance and pension insurance are essential components of providing for your retirement and building up your assets. As the benefits provided by the statutory pension insurance scheme are generally insufficient in old age, the legislator has introduced various incentives for private pension provision.

Whether in the context of occupational pension schemes, Riester and Rürup pensions or other tax relief measures, there are various subsidies and pension options available depending on individual circumstances and conditions. However, (risk) life insurance policies are also very important for protecting surviving dependants and securing loans.

Asserting claims against others in a proper and professional manner and, if necessary, enforcing them in court requires special legal knowledge. In many cases, legal enforcement requires the involvement of or representation by a solicitor.

This can quickly lead to high costs, which are covered by legal expenses insurers. Whether private, professional or motor legal expenses insurance, different service packages are available for different areas of life.

Accidents happen and cannot be prevented. This is particularly true as they can also be caused by the actions of others. Permanent physical or mental impairments resulting from accidents can have significant financial consequences.

On the one hand, this may result in loss of earnings and, on the other hand, comprehensive and even structural measures may be necessary to adapt the living environment. The sums insured for disability and accidental death agreed in an accident insurance policy can be tailored to personal needs.

Accident insurance can be tailored to individual needs based on progression scales, daily hospital allowance, transitional benefits, etc. In addition, so-called flat-rate declarations include further comprehensive benefits.

Your own home is often the largest single asset in your family’s portfolio. It is therefore understandable that you would be keen to protect your home and thus this asset. Based on the relevant calculation, insurers will cover the full cost of restoration, even if this exceeds the stated sum insured.

Residential building insurance protects against significant or even ruinous financial burdens resulting from damage caused by fire, tap water, storms and hail. Not only, but especially due to the climatic changes of our time, properties are exposed to extreme weather conditions such as flooding and snow pressure.

By extending insurance cover to include other natural hazards, damage caused by such events can also be insured. In addition, extensive additional costs such as the removal of trees felled by storms and much more can be insured in appropriately broad blanket declarations.

The insurance policies presented on this website are not exhaustive. There is a wide range of products available for covering private risks. Like policyholders, insurers are also constantly developing and improving their products.

To extend or supplement the coverage of your private risks, additional insurance policies such as those listed below may be agreed, as well as products not expressly mentioned here.

• Motor vehicle insurance
• Home and property owner liability insurance
• Pet owner liability insurance
• Water damage liability insurance
• Recreational boat liability insurance
• Builder’s liability insurance
• International travel health insurance
• Camping insurance
• Camera insurance
• Hunting and sporting weapons insurance
• Musical instrument insurance
• Luggage insurance
• Securities and art insurance
• Water sports comprehensive insurance
• and much more