Expert articles, court rulings and practical tips on insurance, provision and finance – explained clearly.
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Race track equals risk exclusion? Not necessarily. The BGH (German Federal Court of Justice) has ruled that merely driving on a race track does not cancel the cover of private accident insurance. What matters is whether there actually is a competition for maximum speed. (AI-generated illustrative image)
Case of the Month · October 2026: an Oktoberfest scuffle, 500 euros in damages for pain and suffering and the question of whether personal liability insurance pays. A staged claim report – the letter is invented, the ruling of the Amtsgericht München (Munich Local Court) is real.
Steve Jobs is said to have gone for a walk after ten minutes whenever he was stuck. What research shows about walking, breaks and mental health – and why the mind is now the most common cause of occupational disability.
The health insurance premiums for 2027 are out – for many cross-border commuters the KVG is getting more expensive. We show you the deadline for cancelling, what you can switch and what to look out for with supplementary insurance.
A court ruling shows why every detail must be correct when switching from private to statutory health insurance. We explain clearly what you should look out for with applications, proof and the cancellation of your existing cover.
Stars, percentages and rankings look good – but in the end it is your contract that counts. We analysed Swiss Life SBU plus, HDI EGO Top and die Bayerische BU Protect Prestige + AU and explain clearly what really matters regarding parental leave, part-time work, increasing cover without new health questions and incapacity for work.
Heavy rain, flooding and storms are on the rise. Many contracts no longer match the actual risk situation – from natural hazards cover and sewage backflow to photovoltaics, heat pumps and wallboxes.
Water damage, a burglary or a fire – and suddenly everything is gone. Furniture, keepsakes, electronics. What remains is the hope that home contents insurance will cover the loss. But this is exactly where an often underestimated risk lurks: underinsurance .
A call from the boss. The voice sounds exactly as always. The instruction: an urgent bank transfer. What sounded like science fiction just a few years ago is everyday reality today: deepfakes and AI‑assisted deception are now among the biggest cyber risks – for companies and private individuals alike.
Fake videos, manipulated voices and fraudulent messages have long ceased to be a problem for companies alone. Private individuals are increasingly targeted by cyber criminals as well.
Heavy rain, flooding and other natural events are occurring more and more frequently in Germany. As a result, damage is increasing too — and with it the costs for insurers, policyholders and ultimately all of us.
In a spectacular break-in at a bank in Gelsenkirchen, more than 3.000 safe deposit boxes were broken open and assets possibly worth hundreds of millions were stolen.
The German Federal Financial Supervisory Authority (BaFin) has identified serious deficiencies at C24 Bank, the banking subsidiary of Check24, and has massively tightened its supervision. The core problem:
Being a parent is the most wonderful thing there is. We want to see our children laugh, protect them and give them a sense of security. And we hope that they stay healthy.
What happened, why the insurer refused – and practical measures so that this does not happen to you.
Diving opens up a fascinating underwater world – but it counts as a high-risk sport. Accidents such as decompression sickness, rescue operations or repatriation can quickly lead to high costs.
For a specialist in IT/ICT insurance, this is probably one of the most exciting – and at the same time riskiest – periods: the advance of AI, cloud-based projects and increasingly complex service contracts are creating liability traps that go far beyond classic general liability insurance.
In the motor insurance market, rising prices and costs in 2024 led to a greater willingness among drivers to switch, which hit several large providers hard. The biggest losses were suffered by HDI Versicherung AG, which reduced its number of contracts by 150 973 policies, losing 12,3 % of its portfolio.
Why insurers selectively clean up or cancel portfolios – and what you should actively do so that you are not left uninsured. In recent months there have been more and more reports of insurers reviewing their contracts, recalculating them – and in some cases even cancelling them.
An article on procontra-online.de reports on the criticism by the Institut für Vorsorge und Finanzplanung (IVFP) of a comparative test by Stiftung Warentest that compared ETF savings plans with unit-linked pension insurance (Fondspolicen).
The case of a woman from Windeck who was seriously injured in an accident in Costa Rica in early 2024 has led to a legal dispute with her travel health insurer.
Five important criteria for a good home contents tariff – expand to learn more. Waiver of the gross negligence defence: tariffs should pay even if the policyholder acted with gross negligence, without reducing or refusing the benefit.
The article "Beitragshammer und Kündigung: Wohnmobil-Versicherer sorgen für Camping-Frust" (premium shock and cancellation: motorhome insurers cause camping frustration) on procontra.de reports that Nürnberger Versicherung has cancelled numerous motorhome insurance policies in recent months, causing discontent among the customers affected.
From 1 April 2025, new statutory rules on dog owner's liability insurance come into force in Germany.
On 27 March we attended the talk "Digital Resilience" , at Freiruum, Zug. Hand-picked speakers with great expertise in the field had been engaged. It was refreshingly enlightening. Prof. Dr. Peter E.
The CDU and SPD exploratory paper discusses the introduction of mandatory natural hazards insurance. The aim is to increase insurance coverage against damage caused by natural disasters such as floods or landslides.
"German Angst" is a term often used to describe a particular form of German anxiety or fearfulness.
The insolvency of ELEMENT Insurance AG has significant consequences for policyholders and intermediaries. Policyholders must expect that claims they have submitted will currently not be settled and may only be reimbursed in part.
"In der Pflegeversicherung brennt es lichterloh" (long-term care insurance is in flames), an article by Procontra Online, addresses the critical financial situation of statutory long-term care insurance in Germany.
The State Data Protection Commissioner of North Rhine-Westphalia, Bettina Gayk, has launched investigations into ten insurance companies.
Over the past five years, the insurance industry in Germany has recorded a continuous decline in registered insurance intermediaries. On 1 January 2020, 198.452 intermediaries were registered, whereas on 1 January 2025 there were only 181.761.
Residential buildings insurance in Germany is under considerable pressure, leading to rising premiums and cancellations. Some insurers have announced premium adjustments of between 10 and 30 percent for the coming year.
Data security refers to protecting digital information against corruption, theft or unauthorised access throughout its entire life cycle.
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Looking for personal insurance advice in Lörrach, Weil am Rhein, Rheinfelden, Schopfheim, Steinen or elsewhere in the Landkreis Lörrach? As an insurance broker in the tri-border region, we specialise in cross-border commuters working in Switzerland – from health insurance for cross-border commuters to retirement provision and property and liability cover. Book your appointment now – in person, by phone or online.
This page is a translation of our German website. The German version is authoritative: in the event of any discrepancies or ambiguities, only the German version is legally binding, not the translation. We offer advice in German or English. You will receive contracts, insurance terms and documents in German.