ELECTRONIC
The laptop is the most expensive
Don't rely on the household effects- or luggage insurance.
Electronics insurance is advisable. Have you completed this for a stationary IT system?, the portable computer can be included. That costs about 230 mark per year, However, this is only possible with some insurers, with. B. at the Iduna/Nova.
Insuring only the laptop is more expensive, because the annual minimum contribution per contract 460 marks. Covered are u.a. operator error, Damage caused by overvoltage or intent by third parties, burglary and robbery.
THEFT
Is your bike insured??
Are bicycles properly insured against theft?, is in your household contents policy.
Is the bicycle compensation for an extra contribution limited to one percent of the sum insured for household contents in the policy?? Then you need to clarify, whether that's enough for your bike. example: Is the household contents insurance sum for a 70 square meter apartment 84 000 Mark, are at best for the stolen bike 840 paid marks. That is often not enough. Our advice: Do not increase the sum insured for household contents with expensive bicycles, but the compensation for the two-wheeler. principle: The insurer pays, if the bicycle secured with a lock was parked outside of closed rooms. Between 22 and 6 The insurance cover is only valid, if the bike was still to be used and was temporarily parked.
Cost: For example, should 1500 marks per bike theft, you have to use in metropolitan areas 80 to 150 Mark, in rural areas with 50 to 100 Calculate Mark annual contribution.
PERSONAL LIABILITY
Go really high!
Never skimp on the amount of insurance coverage. Otherwise it could take revenge.
Agree on personal liability insurance for at least two million marks per person- and property damage. You can save, by comparing quotes from multiple insurers. Some are content with round 100 Mark contribution in the year, others require 170 marks and more. The reason for the protection in the millions is in the Civil Code. After that, you are liable for damage and accidents, with no upper limits. Insured is u.a., if you cause a traffic accident as a pedestrian or cyclist (can cost a fortune!) or if you, as parents, have to be liable for children (with. B. because vehicles had to avoid your child) or when you, as a party guest, stain your host's couch with red wine.
In the protection of a personal liability insurance are your spouse or – upon application to the insurer – life partner, Your children and household help included. The co-insurance of unmarried children applies during the apprenticeship and study period, of military service. Protection exists worldwide. Prerequisite is mostly, Limit stays abroad to one year.
Tip: Live in your family home, personal liability is enough (when the pavement should be slippery on winter days and pedestrians injure themselves). As a landlord, you need household liability insurance. Oil tanks and the risks of owning a dog or horse must always be insured separately.
What else do you need to insure?
For example, controversial building issues. If you want to take out legal expenses insurance quickly, usually comes too late. Familiarize yourself with insurance issues beforehand, with. B. with the help of the free booklet “Insurance – state and private” from the General Association of the German Insurance Industry, Walter-Flex-Str. 3, 53113 Bonn.