Flood and natural hazard cover in Germany: the add-on most newcomers do not know about

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, leisure horse

For example horse sharer, dog sports, dog walker, 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

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 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

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