In short
We analyse your personal risk situation, review existing contracts and independently compare offers from different insurers – from personal liability to occupational disability insurance. The initial consultation is free.
service_privatWhy a personal risk analysis?
Many households only recognise risks and their financial consequences when a claim occurs. Yet they are part of everyday life: a valuable collection, a hobby with special risks, property abroad. With a thorough risk analysis we structure your cover so that it fits your life.
Four questions are at the centre:
- Protecting assets: What happens if you cause damage to others or your property is damaged?
- Accident and illness: Which benefits do you need beyond statutory cover?
- Protecting your income: How do you secure your income if you can no longer work?
- Provision: Will your retirement provision maintain your standard of living?
Insurance we review and compare
| Area | Insurance |
|---|---|
| Liability | Personal liability, dog and horse owner liability |
| Home | Household contents insurance, buildings insurance |
| Mobility | Car insurance, motorcycle insurance |
| Legal | Legal expenses insurance |
| Health | Supplementary health insurance (outpatient and inpatient), supplementary dental insurance |
| Income and accident | Occupational disability insurance, accident insurance |
| Family | Funeral expenses insurance, cover for dependants |
Personal liability
In Germany, anyone who culpably causes damage to another person is in principle liable with their entire assets (§ 823 BGB). Personal liability insurance is therefore one of the most important policies – sufficiently high cover limits and suitable modules are key.
Household contents and buildings
Household contents insurance protects your movable property, for example against burglary, fire or water damage. Buildings insurance covers the building itself. We make sure sums insured and modules (e.g. natural hazards) match your situation.
Car and motorcycle insurance
Car insurance tariffs differ not only in price but also in benefits such as no-claims protection, garage requirements or gross negligence. We compare both.
Occupational disability and accident
Your ability to work is often your greatest asset. Occupational disability insurance secures your income; accident insurance pays out for permanent consequences of an accident – including in your free time, where statutory accident insurance does not apply.
Supplementary health and dental
Supplementary policies close gaps in statutory health insurance, for example for dentures, alternative practitioners or hospital accommodation.
How the consultation works
- First conversation: We get to know your situation – by phone, video or in person.
- Analysis: We check existing contracts for gaps, double cover and savings potential.
- Comparison: We compare offers from different insurers – by benefits, not only by price.
- Decision: You decide at your own pace. Afterwards we look after your contracts for their entire term.
If something does happen, you can report a claim online – we take care of the settlement. Your first step: the free initial consultation.