Renting an Airbnb or vacation home? Standard liability insurance often excludes rental inventory damage. Learn what's covered, what's not, and how to avoid costly bills for broken TVs, stained carpets, and more.…

A burst pipe claim was underpaid due to a flawed calculation method. Learn the correct way to assess covered vs. non-covered damage, and how the ombudsman secured a higher payout. Essential for homeowners.…

A policyholder's mortgage payment protection insurance (Restschuldversicherung) paid only a fraction of the promised benefit during disability. Learn about the contractual pitfalls, the role of the insurance ombudsman, and how to ensure your coverage matches your actual loan payments.…

The 'Versicherungskäse des Jahres' (Insurance Lemon Award) highlights the worst insurance products. See the 2024 nominees like Deutsche Familienversicherung and learn how to spot poor-value policies with high premiums and gap-filled coverage.…

A denied disability insurance claim was overturned due to a critical waiting period calculation error. Learn how German BGB rules apply, the difference between occupational & general disability, and how to protect your claim.…

Essential Q&A on accident insurance for skiers, climbers & athletes. Learn about coverage for rescue costs, extended definitions, optimal sums, and key riders. Get expert tips from Debeka's Christian Arns.…

New YouGov data reveals what consumers expect from insurers after floods & natural disasters. Learn why communication is key, how expectations differ, and what this means for mandatory natural hazard insurance debates.…

Hunting liability insurance is legally required in Germany. Discover why this niche market is booming, what coverage you need (beyond the minimum), and how modern hunters are driving demand for comprehensive policies. Learn from a 100-year industry leader.…

A policyholder's breast cancer claim was initially denied due to conflicting information in her accident insurance documents. Learn how the ombudsman resolved the case and how to protect yourself from similar coverage gaps.…

A recent Federal Court of Justice (BGH) ruling states that car insurance claimants must check the plausibility of auto repair invoices. Learn about your duties after an accident, how to avoid overpaying, and what this means for your car insurance claims process and premium costs.…

Thinking of cancelling your disability insurance (Berufsunfähigkeitsversicherung) to save money? Read this first. We explain the 5 biggest risks of cancelling your BU policy, from losing coverage forever to facing financial ruin if you can't work.…

Does your personal liability insurance cover sports injuries? Expert Fermin Fuentes explains which activities are included, why many incidents aren't considered 'liable', and how to protect yourself from financial ruin after a soccer or skiing accident.…

What does your sports club insurance really cover? Our interview with Arag expert Björn Bluhm reveals the critical gaps in liability, accident, and legal protection for members and volunteers. Learn why private insurance is still essential.…

Backing out of a parking spot and hitting multiple objects? Learn from a real insurance dispute whether this counts as one claim or multiple claims, affecting your deductible. Insights from the German Insurance Ombudsman and court rulings explained.…

Soccer is Germany's most popular sport, but it causes 33.5% of all sports accidents. Learn about common football injuries, the limits of club insurance, and why a private accident insurance policy is essential for every amateur player.…

A high-security safe deposit box burglary led to a €420,000 loss, but the insurer refused to pay. Learn why, based on a German Insurance Ombudsman case, and understand the critical clauses that allow insurers to delay claims during criminal investigations.…

Considering bicycle roadside assistance for your e-bike or road bike? Our guide compares plans from ADAC, ADFC, and ACE, detailing coverage for breakdowns, theft, and transport. Learn if a Fahrradschutzbrief is cost-effective for commuters and touring cyclists versus a full bike insurance policy.…

Does trip cancellation insurance cover pre-existing conditions? Learn what is covered, the critical 'unexpected & severe illness' clause, and how to choose the right policy for your travel.…

Tried to cancel your liability insurance online? Learn why German law § 312k BGB (the 'cancel button' rule) does NOT apply to insurance contracts and the correct way to terminate your policy.…

Changing the policyholder on your disability insurance (BU) can trigger unintended consequences. Learn from a real Ombudsman case how to prevent an accidental premium waiver and protect your coverage.…