Month: May 2018

Insurance for iPhone and mobile phone

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Insurance for iPhone and mobile phone

 

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Mobile insurance: insurance for iPhone and mobile phone

With a household insurance you can insure almost all household utilities and consumables. Among other furniture, carpets, washing machines, food and electronics are considered. Household insurance thus offers an iPhone insurance and a mobile phone insurance.

What happens in the event of damage?

If something in your household is damaged, the insurance will provide you with the money you need to buy the insured item in new condition. Among the insured sources of damage include: burglary (robbery, vandalism), fire (fire, lightning, explosion) and tap water (burst pipe, frost damage). You can also opt for an external insurance. The insurance cover then covers damage outside of your four walls. Also, your iPhone insurance or your mobile insurance is then extended to important benefits.

For example, if somebody breaks into your car and steals your cell phone, then the outside insurance can provide you with assistance. As a rule, it is valid worldwide, provided the duration of stay abroad does not exceed three months. The iPhone insurance and the mobile phone insurance offer you protection for holidays outside of Germany.

iPhone insurance

If you buy an iPhone, you may receive an offer for a separate iPhone insurance. The insurance cover is usually unnecessarily expensive and then exists only for this one device. The household insurance usually offers a much better value for money. In the household insurance is automatically an iPhone insurance included, also almost all other household items are protected.

Service: When choosing the right home contents insurance is worth taking a look at the current home insurance insurance tests.

Mobile insurance

Here, too, home contents insurance is the better alternative to a separate mobile phone insurance, as it only covers the cell phone for the most excessive contributions. Both your mobile phone and almost all other moving objects in your household are protected by home insurance.
Here, the mobile phone insurance offers the same benefits as the iPhone insurance. In addition, it offers all other usual services for home contents insurance.

Editorial Tip

Different providers require part very different contributions for the same insurance coverage. In order not to unnecessarily spend a lot of money on the insurance here, it is advisable to have a precise insurance comparison, otherwise it is very difficult to get a good overview of the various offers. Use our tariff comparison and secure yourself a cheap mobile phone insurance.

iPhone Insurance & Mobile Phone Insurance – Reimbursement

Important for the reimbursement is that you contractually agree on a sufficient sum insured. If this is set too low, you will only be reimbursed part of the costs in case of damage. This is called underinsurance. If you want to be absolutely certain that you will receive the necessary money in the event of a claim, you should set a sub-insurance waiver. If damage occurs on your iPhone or mobile phone, you will in any case receive the money for the new purchase, regardless of whether the sum insured is too low or not.

 

 

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Demand for consumer credit has risen

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Frankfurt / Main – The interest of private households in Germany in consumer credit has continued to rise as a result of low interest rates. This is announced by the Bundesbank on Wednesday in Frankfurt.

Image: signpost credit 

However, the increase was less dynamic in the second quarter than at the beginning of the year. The standards for housing loans remained unchanged, but they were eased somewhat for consumer loans.

Compared to the previous quarter, corporate demand hardly changed on the bottom line, as the survey on lending among German banks revealed. Larger companies asked for slightly less credit, while the interest of small and medium-sized enterprises rose slightly.

For the third quarter of 2014, the surveyed banks want to slightly relax the standards in the corporate business, and no significant changes are planned for loans to private households.

From the point of view of the German banks, the euro sovereign debt crisis had very little impact on the refinancing conditions in the second quarter and had no consequences for the credit supply policy, as the survey shows.

For the first time since the second quarter of 2007, the financial institutions eased the standards for the allocation of corporate loans in the euro area. However, corporate demand hardly changed, according to a European Central Bank (ECB) survey of financial institutions. Consumer interest in loans, on the other hand, rose more sharply than at the end of 2010.

 

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Wednesday, 12.07.17 , written by Juliane Wellisch In the current family liability comparison 2017, it was examined which tariffs offer the best services for families. This does not just include co-insurance for the children. There are a number of claims that are far from covered by any insurer. However, 14 fares offer comprehensive protection and convince with the best possible rating.

 

Diese Leistungen gehören zum Haftpflichtschutz für Familien 

  • The new family liability comparison 2017 rated 14 out of 98 tested offers with the best rating.
  • It becomes clear which benefits a liability insurance for families should offer in any case.
  • With a comparison to liability insurance, families can find out if there are also high-performance tariffs at a low price.

The family liability comparison 2017 has examined 98 tariffs. For this purpose, the analysis company ascore scoring the offers, especially with regard to their scope of services scrutinized. Finally, the choice of a suitable insurance mostly focuses on the amount of insurance premiums. Especially with the liability insurance for families, however, interested parties should not disregard the scope of services . Because this decides whether the insurance company actually pays in case of damage.

The best offers in family liability comparison 2017

The best offers in family liability comparison 2017

 

All tariffs in the test offer a co-insurance of spouses or partners as well as children . This includes both the own and the children of the partner in the common household as well as foster and adoptive children. A total of 14 fares from twelve providers receive the best possible rating of six stars in the family liability comparison. This means that they fulfill many important benefits for families, such as a coverage of at least 10 million euros in personal, property and pecuniary losses .

Among the test winners in the family liability comparison 2017 include:

  • Adcuri / Barmenia – Premium Protection Family
  • Liability insurance Darmstadt – PHV Simply complete
  • InterRisk – PHV XXL (HT2011)
  • Concept & Marketing – allsafe fortuna prime and allsafe fortuna perfect
  • Swiss Life – Prima Plus 2016 and Prima Plus 2016 with carefree package with failure cover Plus
  • Waldenburger – Premium Plus

Service: You are looking for a family liability with optimal price-performance ratio? Discover now with the comparison calculator for liability insurance suitable offers.

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On these achievements it comes with the family liability

On these achievements it comes with the family liability

 

Many a claim that many insured believe to be covered by their liability insurance is not covered by any tariff . For example, those who cause damage in the workplace will only receive support from 51 of the 98 tested offers according to the family liability comparison. If one ‘s own child runs from time to time to the neighbor’s dog and thereby another person is damaged, however, with the exception of a tariff all offers in the liability insurance test help.

For the important loss of receivables, interested parties should check how extensive it is. The benefit comes into play if the insured person is harmed himself, but the polluter has neither the financial means nor his own liability insurance. A liability with bad debt jumps in this case and pays the costs incurred. All 91 of 98 fares offer this achievement .

However, the testers point out that not every offer has legal protection, which is partly necessary in order to enforce an enforceable title or order for payment. 30 tariffs also support the insured in this area. In addition, the bad debts are insured for 58 offers, if the injured party acted intentionally .

Best performance in liability – how important is the all-round protection?

Best performance in liability - how important is the all-round protection?

 

Among the test winners are many premium rates, which are usually associated with higher insurance contributions . However, the costs were left out in comparison. In particular, price-conscious families are well protected with many offers, which do not provide all-round protection, but a scope of services that goes beyond simple basic services. These usually cost only a few euros per month and are therefore affordable for every household.

Here you will find tips and more information on private liability insurance. >

Juliane Wellisch

editorial staff

More news about liability insurance

More news about liability insurance

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