Savings life insurance in Germany: an endowment policy explained for newcomers

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

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 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