GAP insurance in Germany: the shortfall after a total loss

For example work keys, a drone, a small boat, documents in English

Excluding cellar, attic and garage

For example valuable equipment, a safe, instruments, your planned length of stay

If fully renovated, please mention the year in the message field

If you know your ZÜRS class, please mention it in the message field

For example 1914 value, living space or contents sum

For example slope, basement, adjoining neighbours, documents in English

Most precise with the HSN and TSN codes from the registration document

For example Labrador, mixed breed about 20 kg

For example dog sports, dog walker, holiday rentals, moving from abroad

For mixed breeds, please give approximate size or weight

For example outdoor cat, dog sports, moving from abroad, budget

For example new job, existing policy, union member, English-speaking lawyer

Be specific, for example software developer in an office, or electrician on building sites

For example motorcycling, diving, climbing, paragliding

For example accident pension, cover when travelling home, help at home after an accident

For example data analyst in an office, or civil engineer with site visits

We discuss details personally for an anonymous enquiry

For example how long you plan to stay in Germany, self-employment, existing policies

We discuss details with you personally

For example to your or your family's home country

For example your faith's burial requirements, an existing funeral contract

For example a pension from your home country, a German company pension, how long you plan to stay

For employees this decides whether private cover is possible

Keywords are enough, including treatment abroad.

We clarify this anonymously before any application.

For example private clinic, osteopathy, a certain amount of sick pay

Wisdom teeth and gaps closed by braces do not count

For example gum treatment, since when you have had German check-ups

Leave empty if you are unsure

For example cover for your partner, retirement abroad, premium waiver

Rent excluding service charges for all units per year, leave empty for land

For example solar, vacancy, renovation, plot size

For several tanks, the total

For example planned decommissioning, tank replacement, existing personal liability policy

For example drone for fawn rescue, night vision, hunting trip to Africa, dog training

For example foals, breeding, shows abroad, height of the horse

Most precise with the HSN and TSN codes from the registration document

For example panel van, semi-integrated, A-class or coachbuilt

For example Hanoverian, Haflinger, pony, warmblood

For example stabling, turnout, previous colic, budget

For example roofer in the second year of an apprenticeship, or nurse in a care home

We discuss details personally

For example existing BU cover, how long you plan to stay in Germany, a later switch to BU

For example developmental delay, early intervention, operations

For example lifelong pension, mental illness cover, premium waiver

Please describe any modifications briefly

For example self-employed tax adviser or employed electrician

We discuss the details with you personally for an anonymous pre-application

For example combining with life cover, protecting a mortgage, covering children

For example an existing plan, combining with disability cover, a staggered start

For several units, roughly the average

For example existing legal cover, eviction costs, living abroad, property manager

Furniture, kitchen, electronics, linen, rough estimate

For example waterside location, pool, sauna, high end furnishings

For example manufacturer, model range and body length

For example a German policy since 2010, cover from your home country, how long you plan to stay

We will go through the details with you personally

For example self employment or existing policies

For example checking withdrawal, refinancing, covering your partner

For example replacing an existing cash deposit, move in date, how long you have lived in Germany

For example an existing policy, rehab, stays abroad, combination with hospital top-up

As precisely as possible, for example nursery teacher rather than employee

For example insurer and policy number of an existing contract, wish for fixed saving,

cover for children

For example secondary school teacher, State of Berlin, or professor W 2, University of Hamburg

Leave blank if unsure and we will work out the gap with you

We ask for details later in person, as an anonymous pre-application if you prefer

For example an existing policy without a clause, planned lifetime appointment, part-time work,

a move abroad

For example State of Brandenburg, City of Cologne, federal government

For example school keys, service weapon, postings abroad, school trips

Federal government or the federal state, for municipalities please add the state

Keywords are enough, including treatment abroad.

We clarify anonymously whether a regular application or the admission scheme is the better route.

For example German state pension, pension fund, company pension, pensions from other countries,

plans to leave Germany

Please give the number, and the years of birth in the text field below if you like

For example provider, year signed, guaranteed rate, current balance, company pension,

plans to leave Germany

No commission built in, advice is paid for separately

For example a company pension, plans from your home country, how long you expect to stay in Germany

For example existing conditions, pregnancy, accompanying family

For example electrical installation in homes, café with outdoor seating, online shop for furniture

For example work at clients' sites, own products, exports to the US, parent company abroad

For example tax adviser with payroll, freelance software developer,

architect for residential buildings

For example current policy abroad, clients in the US, side activities,

expiry date of existing cover

Known circumstances must be disclosed, otherwise cover may be lost

For example plumbing business, tax practice, online shop for electronics

Existing disputes cannot be insured, but knowing about them helps us advise you

For example plastic parts for vehicle makers, garden furniture under your own brand,

control software for pumps

For example liability clauses in supply contracts, certifications, earlier complaints or recalls,

parent company abroad

For example car repair shop with oil separator, heating installation, paint shop,

agricultural trade

For example tank sizes, location in a water protection zone, separators, work on construction sites

For example length of test runs, heaviest item, requirements in the supply contract,

previous claims

For example restaurant with 40 seats, bakery with two shops, hotel

For example large stock, several sites, review of an older policy

For example building construction, food wholesale, home care, software development

For example public contracts, hazardous materials, business abroad, compliance system

Salaries with employer contributions, rent, leases, interest and repayments, ongoing contracts

For example existing daily sickness benefit, partners in the practice, ongoing treatment,

planned expansion

For example district, mechanical ventilation with backup power, existing policies,

high-value breeding stock

For example used car sales, independent garage with two lifts, paint shop

For example luxury or classic cars in stock, unfenced site, recovery service, motorcycles

If there are several plots, please list them all

For example your own harvesting, storage sites, hunting stands, an existing group scheme,

past claims

For example Enercon E-82, 2,300 kW

For example end of the service contract, lender requirements, site in a forest, planned repowering

For example 80 dairy cows with young stock, 1,200 finishing places, 6 livery horses

For example farm shop, holiday flats, contract work, solar panels, biogas

For example age and construction of the buildings, existing policies,

a planned purchase or handover

For example GP, dentist, orthopaedic surgeon with outpatient surgery, small animal vet

For example statutory health admission, cosmetic procedures, on-call services, expert reports,

planned move abroad

For example architect, housing with site supervision,

or structural engineer for commercial buildings

For example lead consultant role, joint venture, one large project, sites abroad,

your chamber and federal state

For example web development, SAP consulting, administration of client networks,

your own SaaS product

If a client requires a specific limit, please tell us below

For example the limit a client demands, penalties in a client contract, existing cyber insurance

For example general cargo, building materials, chilled food, electronics, dangerous goods

For example subcontractors, freight exchanges, framework contracts with higher liability,

own warehouse

For example chargers under your own brand, seals for vehicle makers, fruit juices

For example recall clauses in customer contracts, certifications,

existing product liability cover, parent company abroad

For example trips abroad, motorcycles, an existing framework contract of an association

For example café with bakery, accounting firm, car repair shop

At purchase price, 0 if no stock

For example flood cover, customer property, tools in vehicles, loss of income

From a valuation or your current policy

For example flood cover, solar panels, loss of rent, planned refurbishment

For example metalworking with eight staff, restaurant, dental practice

Turnover minus materials and goods purchased, your tax adviser will know

For example key machinery, flood, long delivery times

For example single expensive devices, extra costs, practice downtime

Today's price for equivalent new machines including freight and installation

For example machine list, leasing, security measures, previous claims

For example trades involved, contract requirements, site location, previous claims

Only for hauliers and own-account transport

For example Incoterms, ADSp, packing, storage, previous claims

For example leasing, insurer's claims report, foreign trips, renewal date

For example football club with youth teams, music society with a summer festival,

school support association

For example own clubhouse, rented hall, bar service, animals, membership of a sports federation

For example hired town hall, marquee on a sports field, market square in the city centre

For example stage, bar, fireworks, bouncy castle, animals, limit required by the authority

Rule of thumb: cost of three to four weeks of downtime plus recovery

For example English-language admin, staff from abroad, director's pension, reviewing old contracts

For example office, field sales, installation, warehouse, drivers