Climate change is driving up homeowners insurance costs. Learn from R+V expert Cornelia Flörcks how flood prevention and natural hazard coverage can protect your home and control premiums. Discover your property's risk with the ZÜRS zone check.…

Extreme weather and flooding are increasing. Discover 5 essential flood prevention tips and learn why comprehensive homeowners insurance with flood coverage is critical for financial protection against water damage.…

Achieving financial freedom requires a clear plan. Learn the 6 essential steps from investment expert Thomas Buchholz and biometrics specialist Jennifer Suttrup of LV 1871, and discover why independent insurance brokers are crucial for long-term retirement planning.…

Discover how generative AI and large language models like GPT are revolutionizing insurance customer service. Learn how AI-driven advisors provide personalized, 24/7 support, reduce complexity, and help insurers stay competitive in a digital-first world.…

The insurance industry is transforming. Traditional insurance agents face challenges from Insurtechs, but collaboration, not competition, is the key to success. Learn how agents can leverage technology and partnerships to enhance customer service and grow their business.…

A landmark Federal Court of Justice (BGH) ruling clarifies the evidence required for a burglary insurance claim. Learn about the 'proof of external appearance' rule, your rights as a policyholder, and why insurers cannot demand perfect, 'coherent' evidence of a break-in.…

How do German insurance companies handle customers who don't speak German? A new study by Fralytics reveals best practices. Learn how leading insurers like HUK-Coburg are breaking down language barriers to improve customer service and accessibility.…

A recent case from the insurance ombudsman shows that liability insurers cannot always use the 'relatives clause' to deny coverage for damages involving a GbR (partnership). Learn about this important ruling and how it affects your personal liability insurance protection.…

The EU's Digital Operational Resilience Act (DORA) is now in force. Learn what this new cybersecurity regulation means for the insurance industry, the key deadlines, and the essential steps your company must take to ensure compliance and protect against cyber threats.…

Sold your car but got a premium increase? Learn what 'immediate notification' means for auto insurers, how the 2-week rule works, and how to protect your driving record when transferring vehicle ownership.…

Before signing a life insurance or disability insurance policy, you have a 'pre-contractual duty of disclosure.' Learn which dangerous hobbies and high-risk sports you must declare to avoid claim denials, policy cancellations, and legal issues with your insurance advisor.…

Can you receive a widow's or widower's pension after a marriage lasting less than a year? A recent Berlin Social Court ruling says yes, under exceptional circumstances. Learn about the legal criteria, the 'intent to provide' presumption, and what this means for survivor benefits.…

A homeowner sought reimbursement for costly mortgage cancellation fees after losing the original deed. The ombudsman ruled the insurer wasn't liable. Learn about your responsibilities with mortgage documents and title insurance.…

A dog owner's insurance initially denied a claim for an indirect accident. Learn about the crucial difference between 'coverage' and 'liability' in pet insurance and your rights to legal defense.…

Skiing is a high-risk sport with the highest average insurance claim costs. Learn about essential coverage like liability, accident, and disability insurance for skiers, and how to avoid gaps in your protection.…

A policyholder achieved a partial settlement after theft from her RV in Italy. Learn how the insurance ombudsman helped, what counts as 'forcible entry' for home contents insurance, and how to protect your belongings on the road.…

A beneficiary was denied a life insurance payout because the policyholder died after the policy matured. Learn the critical difference between maturity and death benefits, and how to ensure your beneficiaries receive the intended funds.…

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.…