Good insured beginning of the semester - what students need insurance?

The study begins a new phase of life: enrollment, extract from the parental home, lectures, seminars, new people and situations. Later, some people like to think with nostalgia to the beautiful university life when they were still carefree and independent. In all the peace of mind of the student, but forgets all too quickly that he needs a certain amount of risk protection that is given is no longer necessarily the parents. According to the General Association of German Insurers (GDV) of Germans have six on average, and implement policies for just under 1,800 euros per year. Students on a tight budget can be such an expensive insurance policies, but funding is difficult. "Students should consider what insurance is for them to ensure meaningful and true to the premise of 'The Existential First' that the greatest risks are covered." Said insurance expert Thorsten Bohg toptarif.de consumer portal. "With an independent insurance comparison can each student with comprehensive information and decide on what assurances he initially waived and which are essential for their individual situation." Toptarif.de outlines the main insurance for students and explain what is risk protection where necessary and can save students. Generally, students are legally obliged to take out medical insurance. Until age 25 Year of life but they are also covered in the family insurance of their parents. After a student health insurance should be completed. This is under the age of 30th Years of age or 14 Semester. If parents have private insurance, students can also take out private health insurance into consideration. The contributions are higher, but also get many additional benefits. When traveling abroad semesters and is recommended also Insurance. This can be completed for a few euros a year and secures global health.

Important insurance for BU Graduates

A disability insurance is recommended especially for new teachers, because firstly, they can expect no protection to the legislator and the second, they are usually young and healthy and therefore pay less. According to the school and the education of each young man erstmal is glad that he got a job and thus earn more money as before, while the necessary safeguards are often forgotten. An important insurance just for new teachers is known to many as the BU insurance disability insurance. That many young people do not remember to complete a quick disability insurance is quite understandable, since many of the elderly are at an early age as little thought of disability insurance, like the youth today. Therefore, it is important to sensitize parents, grandpa or grandma young people for this issue. A hedge for new teachers is not yet and even if they are entitled to a disability pension is not enough for them to live well even remotely be able to. Anyone who is unable to work at a young age is then usually a case for the social welfare office. These are just young and healthy people usually pay much less than people who want only a 30 or 40 years, a BU to complete insurance, then even if they are still so healthy that they are accepted by the insurance. Often you have to ask around just how fast it goes that one incapacitated ird, this is in most cases not even an accident, but it is mostly diseases of the musculoskeletal system, or even heart disease. As with all insurance companies must also be compared to the disability insurance and who do not own a daily basis would be well advised to seek a professional. Firstly, the product is not only important but also the society in which we are assured, because if something happens to me I want disability insurance that pays well and not that I have to fight for years.

Tips for the change of car insurance

More and more German motorists to a recent study found that change their car insurance or at least the insurance rate. But the variety of rates and discounts is like a jungle. WELT ONLINE reveals what motorists should pay the insurance change. Female, single, garage Parker - The insurance discounts Photo: picture-alliance / dpa-tmn/Schierenbeck/Wenda Female, single, garage Parker: When changing the car insurance, insurance beckon with a variety of discounts. image.alttext more photos Quirky Signs The photos of the WORLD-ONLINE-user Registrar sedan New edition of the armored BMW 760 Li Volkswagen The R is the most powerful Golf ever Several hundred dollars a year in car insurance savings - that sounds tempting. The insurers are currently bar again with offers. This is reminiscent of the federal election campaign promises. And the information on fares is similarly complex as reading and understanding of party manifestos. Deadline for policy change is also in this year of the 30th November. Nearly one in three drivers in Germany plans by the end of the supplier or at least change the tariff. This is the result of a survey conducted by the VHV insurance. This was an increase by twelve percentage points over the previous year's examination 2008th VHV Insurance is one of the largest German automobile and general liability insurance. The provider or switch must have become more interesting in recent years because many insurers now have new achievements in the program that are not included in many of the old contracts. The survey, less than 1100 car owners has also indicated that about four fifths of respondents (82 percent) with the insurance or change of tariffs to achieve an improved discount protection - that protection against higher contributions for an injury the following year. Which provider best meets their own standards, but is not easy to calculate. And the providers done to make it more difficult for customers to comparison. While all insurance discounts for long, accident-free driving grant, but with varying conditions. Stiftung Warentest has published its latest car insurance comparison of the magazine Finanzttest "(Issue 11/09). It compares the prices of 160 companies against each other.

Solar system: Proper insurance against theft

Recently there have been frequent reports of thefts of solar installations, where thieves dismantle the equipment directly from the roof. The homeowner then wonder no bad thing if the insurance does not cover the theft of the solar system. Often the homeowners' insurance brings only limited protection. Solar Leipzig (red) - More and more homeowners opt for a solar system on your own roof. That can be rewarding financially, seem to have noticed even thieves and steal solar panels no longer only from warehouses and trucks, but also directly from the roof. Affected are then often nasty surprise, because the theft of a Sorlaranlage is not covered in the insurance for residential buildings in general. Residential buildings insurance does not qualify for any damage to Often the homeowners' insurance protects only limited solar and not against any danger. "The is basically related to homeowners insurance only for damage caused by fire, water, storm and hail," said Andrea Heyer, Insurance Expert of the Consumer Saxony. Thus it excludes - other than the insurance - not with a burglary and vandalism. Anyone who wishes to hedge against any risk of his solar system, must therefore take out special insurance photovoltaics, which is a so-called all-risk policy includes. "There are then covered all risks, except those that are expressly excluded, such as operational, for example by abrasion. Solar insurance costs vary significantly A premium for the insurance of a solar energy system depends on the size and the value and service to be provided the facility. It depends on the insurance coverage to all components that are needed for normal operation of the solar system. As with all insurance companies is also worthwhile here to compare because the costs vary significantly by provider, as reported by the Consumer Saxony.

Elaborate risk estimate for D & O insurance

Lawyers, brokers and insurers exert massive criticism of the new law regarding the appropriateness of executive compensation (forestay), adopted by the German parliament in mid-June this year. It's on 5 August 2009 entered into force. Through various schemes, the law is to ensure that when fixing the remuneration of directors continue to put greater incentives for sustainable corporate development. Also, it should be easier to cut salaries at the deteriorating situation of the company. In addition, through the forestay at D & O insurance companies, the agreement of a deductible for board members is mandatory. With the so-called directors 'and officers' liability (D & O) managers protect their companies against claims that may make the company itself or a third party to the manager because of a breach of duty. "Does a company is an insurance policy to hedge against risks of a board member from his professional activities for the company from a deductible of at least 10 percent of the damages provision at the rate of half times the fixed annual remuneration of board member," says the appropriate wording. For existing D & O insurance was a transitional period until 1 July 2010 granted. Until that time, these contracts to the new laws need to be adjusted. Die Anwendung des Gesetzes und dessen Interpretation ist derzeit noch mit vielen Fragezeichen versehen. "The law will pass the ultimate goal, as the board members will secure the future private. As a result, the whole leads to an insane bureaucracy," says Michael Hecker attorney specializing in insurance law from Munich. That the liability of the Board is not limited to, be harmful to the limited liability companies. "In the law it is to blind activism of the Federal Government is going to the demands of the market over," says Hecker. Obviously, the insurers do also difficult to calculate appropriate premiums for risk-and D & O insurance. "The calculation of insurance premiums is not transparent", Michael Hendricks, Düsseldorf lawyer and expert in D & O insurance. For DAX companies, the prices varied depending on the provider from 5000 to 50,000 euros. This price gouging would be detrimental to the whole market. "Some insurers have dropped quickly so-called deductible coverage on the market, without clarifying the many open questions to begin." Says Hendricks. All experts agree that a ban on self-insurance would be unconstitutional. From a "class struggle birth in the wake of the election campaign," says Mark English from the industrial insurer ACE in Frankfurt, which draws since the mid-nineties on the German market related risks. Risk-adequate premiums had been achieved in recent years, hardly more. As a consequence, ACE had withdrawn from the market, where a final price risk-taking was not possible. "This is a question of culture and the consequent risk underwriting and risk management," says Deutsch. One reason for the policy of a more conservative underwriting lies in the history of the insurer. ACE was founded in 1985 with headquarters in the Cayman Islands by a consortium of 34 companies. Since one years ACE operates as a limited company under Swiss law. The risk estimate for D & O insurance is made up of several components. The, including profitability and the level of indebtedness of the company, the maturity of debts, the liquidity situation and the quality of management. As part of a balance sheet analysis, the insurance risk managers to raise the performance of the last three years. Moreover, the assessment of an industry positioning, and possibly the inclusion of external ratings. Thus the burden on the insurer is relatively high. "There are, however, the premiums for years in the descent, there is currently no healthy competition," says Dankwart of Schultzendorff, head of the ACE for the countries Germany, Austria and Switzerland. There Schultzendorff of mind that the bottom line is the entire insurance industry must pay for it collectively, if not calculate individual account of risk insurance.

Canada - tax haven?

The newspaper La Presse tells us this morning that Mr. Bernie Ecclestone Revenue Canada requires a written assurance of a federal tax exemption on the $ 75 million to receive the three levels of government over five years for the return of Grand Prix Montreal. Mr Ecclestone does not pay tax in Canada because his company - Formula One Management - is a British company. It suggests that it must pay taxes anyway in Great Britain. What is it exactly?

There is a tax treaty between Canada and the United Kingdom under which a Canadian taxpayer, who receives income on which we made deductions at source in the UK, can reduce all the taxes it must pay in Canada. The same goes for British taxpayers like Mr. Ecclestone. It can reduce the taxes it must pay to the British Government a sum equal to the amount withheld by Revenue Canada. Why, then, requires Mr. Ecclestone does not pay Canadian tax on income that will affect here? Did he act of patriotism by paying taxes to the British government? If the British company was incorporated in a tax haven which would protect the tax, it would be in the interest of Mr Ecclestone to avoid any deduction at source since it could not deduct the tax so withheld the amount he should give the government that has jurisdiction over Formula One Management. There, within the United Kingdom, tax havens. The company Formula One Management is owned by Delta Topco, a company incorporated in Jersey, a tax haven of the British Isles. The shareholders of this company are funds managed by CVC Capital Partners (70%), by JP Morgan (20%) and the entourage of Bernie Eclestone (10%). The head office of CVC Capital Partners is in Luxembourg, another tax haven. How the Government of Canada can accept the request from Bernie Ecclestone and continue its hunt for tax havens?

ECONOMICS, FINANCE, BANKING, INSURANCE

APRIL Premium Specialist car insurance and home insurance premium, and monabanq. The new generation bank, have partnered to develop the "Exclusive Auto Pack" offer of credit and insurance for motor vehicles and lately. Distributed by insurance brokers, the "Pack Exclusive Auto" allows brokers APRIL partners to offer both the financing, insurance, assistance and a range of services. The "Pack Exclusive Auto" offers this contract a loan outstanding which is distinguished by:

 very competitive rates (from 4.75%) over periods of 1 year to 6 years

 financing 100% of the vehicle (up to 50 000 €)

 the absence of fees and penalties for early repayment

 emission free financing bank check.

In insurance, guarantees are those of the contract "Standing Models" APRIL Premium. An all-risk guarantees to meet the needs of customers with strong purchasing power as:

 replacement vehicle purchase price (nine) for 12 months

 extensive safeguards in case of theft: no deductible for theft by aggression (the practice of car-jacking is more prevalent on vehicles very coveted), support the flight, even in cases where the keys happened to be on the vehicle ... and taking care of personal effects up to 1000 €,

 high security driver up to 300 K €.

The proposed contract also guarantees high quality assistance:

 the loan of a replacement vehicle of equivalent category over 40 days in case of theft,

 support repair of the vehicle in case of accidents in the garages of the mark

 assistance without excess mileage: the insured benefits of the latter where it is and for many reasons: out of gas, battery failure, error of fuel, flat tires, lost or stolen keys ...

 APRIL Premium teams wear special attention to their policyholders to help them to prepare such a route, knowing the condition of traffic or service stations open at night.

Finally, the "Exclusive Auto Pack" comes with services such as free subscription to the Liber-T, also allowing access to parking Vinci legal protection premium, etc..

"We wanted to offer brokers the opportunity to distribute both products for insurance and banking. This is a long time player of the insurance was not interested in the credit market in the automotive field. We believe that this is a new opportunity for brokers, for Marc Lanvin, CEO OF APRIL Premium. "Monabanq. Premium and APRIL share the same values of customer service, innovation and quality. It is therefore natural that this partnership could be built. Once again we combine relational proximity, carried this time by brokers APRIL Premium partners and the quality of our service for remote management of this offer, "says Alain Colin, Managing Director of monabanq