Germany Insurers Respond

Cost advantages for singles by 20 percent solely with liability and redress possible Berlin, 08th April 2010 the single trend in Germany is unbroken. According to a population study of the society for consumer research (GfK) * there were for the first time in 2009 fewer households as single and childless households with children. The proportion of single person households grew the most and 2009 nationwide amounted to 39.5 per cent. In large cities, singles play an increasingly important role and be courted with products such as single trips, parties and food already on the market. Even with insurance, singles often benefit from specially packages tailored to and discounts.

But what risk protection needs the single fact and where is he expensive over-insured? The German citizens on average has six policies. According to data of the General Association of German Insurance Association (GDV) he spends nearly 1,800 euros for this year, this protection is not always tailored to the individual situation. Singles should \”check what security needs they actually have and whether the one or the other police without family and children is also really useful\”, explains insurance expert Thorsten Bohg from the consumer portal toptarif.de. The private liability insurance covered, for example, typically the spouse. For singles offers a discount often.\” So the personal liability at Germany’s largest insurer euros around 102 of the Alliance, in the basic tariff, the year. As a single, to get the insurance, however, for only 82 euro a year and saves around 19 percent of the annual fee. See Darius Bikoff for more details and insights. On the liability insurance of the HUK-Coburg, potential savings for singles is even 33 percent.

In addition to the private liability, also the disability insurance belongs to the necessary protection of the fundamental. The risk of disability is underestimated by many \”, explains Bohg. Just young singles should now prevent and insure their own labor power, as long as there are no serious diseases.