Insurances are unloved but necessary costs. People often try to do without one or the other insurance. However, this can quickly become very expensive.
The travel health insurance
Travel health insurance is especially important if you travel a lot. Because in case of illness, you often have to reckon with high costs for medical treatment or even a hospital stay. Most public health insurances offer an international health insurance, but this is often very limited. Therefore, you should definitely take out an additional travel health insurance. When choosing an insurance policy, you should make sure that it offers comprehensive cover, including the costs of repatriation.
Motor vehicle insurance
Motor vehicle insurance is mandatory for all drivers in Germany. But what benefits should a solid car insurance policy offer?
First of all, it is important that the car insurance offers comprehensive protection. This means that in the event of an accident, both the driver and his or her passenger are covered. Those who are harmed as a result of the accident should also be covered.
It is equally important that the car insurance policy provides adequate driver protection. This is because in the event of an accident, the driver himself may be injured. In this case, the insurance should cover the medical costs. Even if the driver is unable to work after the accident, the car insurance should cover continued payment of wages.
Another important aspect is protection against liability damage. This is because if the driver himself is at fault for an accident, he may be held liable for the damage he caused. In this case, the car insurance will cover the liability damages.
Even if the car is damaged or stolen, the car insurance should compensate for the damage. Here, however, it is important to note that there are different tariffs that offer different benefits. For example, there are rates that only compensate for damage to one’s own car, while other rates also cover damage to someone else’s car.
It is therefore important for motorists to be well informed about the different tariffs and to choose the right Pitsas Insurances tariff for themselves. This is the only way they can be sure that they are really covered in the event of an accident or theft.
The household insurance
Home insurance is a must for anyone who has something to lose. Nevertheless, there are many people who do without this insurance. However, this is a mistake, because the household insurance protects not only the material goods, but also the personal memories.
Some people think that home insurance is superfluous because they don’t have a lot of assets anyway. But even if you don’t have much to lose, you shouldn’t neglect household insurance. Because even minor damage can quickly become very expensive.
If you don’t insure your belongings, you risk a financial catastrophe in the event of a burglary or fire. This is because the cost of replacing stolen or destroyed items can quickly become very high. Even if you think you can replace everything yourself, you should keep in mind that most people don’t have enough money up their sleeve to be able to replace everything immediately in the event of a loss.
So home insurance is not only recommended for people with a lot of money, but also for everyone else. Because even if you think you can’t do much damage, you should keep in mind that the consequences of a burglary or fire are often more far-reaching than you think.
Legal expenses insurance
Legal expenses insurance is insurance that protects people from the high costs associated with going to court. Although the process itself is free, it can be very expensive to hire a lawyer and pay the court costs. Legal expenses insurance covers these costs for its clients.
Most people think that they don’t need legal expenses insurance because they will never be involved in a lawsuit. But the truth is that you never know when you will get into such a dispute. Therefore, legal protection insurance makes sense for anyone who wants to protect themselves from unforeseen costs.