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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.…

Germany's public health insurers report exploding drug costs, a trend mirroring US struggles. Learn how rising pharmaceutical spending impacts premiums in both public and private insurance systems.…

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 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.…

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.…

Insurtech leader Clark announces a major leadership transition, with founder Christopher Oster moving to the supervisory board and former Generali executive Benedikt Kalteier taking over as CEO. Discover what this means for the future of digital insurance in Europe.…

Switching your private health insurance (PKV) plan can save money, but finding a reputable broker is critical. Learn the 4 key signs of a trustworthy advisor from expert Anja Glorius and avoid costly scams.…

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 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.…

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.…

Adding drivers to your car insurance can skyrocket your premium. Discover who you should—and shouldn't—list to legally lower your costs and avoid costly mistakes.…

A new mystery shopping study reveals major disparities in customer service among private health insurers. Discover which companies excel and which fail to respond, and learn why service quality is critical for your coverage.…

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.…

Learn how to interpret health insurance complaint statistics. We analyze the latest data, comparing German PKV/GKV systems to US private insurance and Medicare/Medicaid, to help you make an informed decision about your coverage.…

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.…

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.…

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.…

Discover the 2024 OMGV Agency Award winners: Frank Schnelle, Stemmermann Brothers, Jürgen Päsler, and Stefan Ewald. Learn how these top insurance agents from ERGO, Provinzial, LVM, and RheinLand mastered social media marketing, target audience strategy, customer reviews, and inclusive communication. Get inspired by their award-winning digital strategies.…

Germany's private health insurance association warns payroll taxes could exceed 50% without reform. Explore the crisis in public systems and what it means for your financial planning.…

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.…