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Insurance advice: Better offline than online!

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If you want advice on insurance, you have only one option. Although many Internet portals provide comprehensive information on various insurance products. But an individual consultation is possible in the end only by the personal way. More and more consumers seem to be aware of this.

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Beratung bei Versicherung lieber persönlich gestalten
Many good reasons for personal advice

For years, online travel portals were very popular with consumers. But there has been a trend reversal for some time now . Tourists will rediscover the advantages of a travel agency, which includes, above all, the consideration of individual requirements and personal advice . Even with insurance, these two points are particularly important. If you take out insurance on the internet with only a few clicks, you may be able to make a fatal wrong decision. For young consumers in particular, advice on insurance is recommended, experts say.

Many good reasons for personal advice with insurance

According to ASI Wirtschaftsberatung, inexperienced and young people are "insecure when dealing with the policies." Even the large product range is rather confusing, so that a consultation on the appropriate insurance makes sense. In addition, younger people can be guided by very reasonable prices. Most consumers realize too late that the corresponding offers can have their weaknesses.

Consumers make decision for insurance rationally

A study by the market research institute FGM shows that "customers are choosing rationally for insurance coverage." Consultants like you also need not be afraid of your customers in a personal conversation. Because a large proportion of respondents – 43 percent in total – realistically estimate the cost of their compensation . Anyone who decides to seek advice on insurance is usually aware of what to expect. Nevertheless, the principle of transparency should continue to apply here.

Despite the strong competition from online sales, personal advice for consumers is still necessary . Although comparison portals offer a first overview. But only with the advice individual factors like the financial situation of the customers are correctly estimated.

finanzen.de Tip: We bring you together with the customers who want advice live and in color . Buy our high-quality leads and convince your customers of your expertise. Your sound advice on insurance ensures you a long-standing customer loyalty.

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Anja Schlicht

editorial staff

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Health insurance comparison 2016: Which health insurance is the right one

Thursday, 07.01.16 , written by Kathrin Staats After more than 75 health insurance companies have increased their additional contributions, millions of people with statutory health insurance have to dig deeper into their pockets. By a health insurance comparison in 2016, however, they can save money. Because many funds will remain cheap this year. But are they good too? >

Vergleich Krankenkassen 2016: Mitglieder können meist bares Geld sparen

Health insurance comparison 2016 pays off for insured

Two-thirds of the statutory health insurance funds have increased the additional contribution for 2016. The Viactiv health insurance with 16.3 percent and the DAK health with 16.1 percent are the two most expensive providers. Who does not want to be satisfied with the contribution increase should compare his current health insurance with other funds. In 2016, more than 40 of them kept their contributions stable. But for the provider change, there is not much time left for some insured persons .

Health insurance comparison 2016: When is a change of health insurance possible?

A change of health insurance is usually very simple. The following applies: If you are a member of the fund for at least 18 months, you can cancel at any time with a notice period of two months to the end of the month . If the additional contribution is increased, a special right of termination also applies . Then legally insured persons may also change before the end of the 18 months. However, this is only possible in the month in which the increased contribution is charged for the first time. The cancellation must therefore be the cashier by 31 January .

Service: Which health insurance in your region costs the least, you will find out the fastest with a health insurance comparison computer.

Insured persons can change their cash register not only with premium increases, but also with unsatisfactory achievements and bad service. In particular, people with pre-existing conditions or chronic suffering in a change have nothing to fear, because the statutory health insurance companies may not refuse insured .

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Health Insurance Comparison 2016: Find the best deal

A comparison of health insurance shows willing to change, in which health insurance in 2016 they are best kept . If you want to be insured cheaply, it is best to switch to a cash register with low contributions. However, those who value high performance often have to dig a little deeper. A recent study by the Frankfurter Allgemeine Sonntagszeitung (FAS) shows which providers convince with favorable contributions or very good performances. A saving of “up to 860 euros a year” is possible when switching from the most expensive to the cheapest.

The performance and price discount, however, only serves as a rough guide for the insured . Much more detailed is the health insurance comparison for 2016 of € uro magazine. On the basis of different sample customers the best health insurance for 2016 was determined. The test shows which providers, for example, savers, families or people who attach particular importance to alternative medicine, are in the best hands .

What should be considered in the 2016 health insurance comparison?

For the selection of the appropriate protection, the consumer advocates of Stiftung Warentest recommend a comparison of the health insurances for 2016. It should be noted that those affected should compare not only the amount of the contribution, but also the benefits with other offers . While there is a statutory standard of care, health insurances can also provide their members with special benefits such as reimbursement for professional teeth cleaning. These extra services vary greatly from checkout to checkout . Therefore, a health insurance comparison 2016 provides interested parties with a comprehensive overview and helps in the search for the personally best possible health insurance.

Here you will find tips and further information on the statutory health insurance. >

Kathrin State

editorial staff

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The Port of Vigo incorporates a simulator to train personnel and lay the foundation for the ports of the future

 

 

El conselleiro Francisco Conde, prueba un simulador del Puerto de Vigo
The Regional Minister Francisco Conde, tests a simulator of the Port of Vigo XUNTA

The Port of Vigo has incorporated a simulator of port operations that, through a system that tries to represent the real operations of a port, has the objective of training workers and making the Vigo terminal itself “a kind of pilot port” to establish the bases of “how will the port terminals of the future be”.

The president of the Port Authority of Vigo (APV), Enrique López Veiga, has stressed that this tool has “a transcendental importance”, since it will allow the group of workers “to train more quickly and with more security”. To do this, next week will begin training, which includes theoretical and practical notions in the simulator.

Also, this new tool will make the Olympic city “a kind of pilot port” to test, propose a better port organization, optimize the spaces and simulate “any contingency” that may occur in the terminal. From this, a model that aspire to export to other countries in Europe will be established.

To do this, they will monitor the port and improve the simulator to turn it into an emulator that allows redesigning the terminals in order to optimize them, maximize them, take advantage of the space and reduce costs. In this way, different possibilities will be tested and to implement those that are accepted.

THE SIMULATOR

THE SIMULATOR

The technical director of Transglobal, Antonio Álvarez, has explained that the main objective when creating this simulator (which is located inside a portable container) was to give it “the greatest possible reality”. To do this, a ‘software’ has been developed that represents the behavior of the different types of cranes and machinery in the port, and allows to introduce extreme climatic conditions (rain, wind, fog, etc.).

In addition, a ‘hardware’ surrounds the user to give more immersive feeling. Specifically, there are six LED screens, a console with buttons and crane levers, a platform with six degrees of movement and 5.1 sound. With all this, the sensations of the operators in real life are recreated. At the time, from outside you can observe the user and modify the conditions of the simulator.

“Once again, Vigo is at the forefront of port innovation,” said the director general of Fishing, Mercedes Rodríguez; to which the Regional Minister of Economy, Francisco Conde, added that this project “will place the Port of Vigo at the forefront” and its simulator, “linked to the 4.0 industry, will be an opportunity to train workers “

In this context, Conde has made the Xunta available to the Port to “be part of that alliance to respond in terms of training.” Immediately after, it has maintained that the Autonomous Administration takes “time” working to reinforce and adapt the training to the needs of the companies.

Thus, it has approved 27 new specialties that can already be taught anywhere in Spain, and, in fact, this Wednesday it has advanced that the Official Gazette of Galicia (DOG) has published the second call for training units to finance their Total courses proposed by companies.

‘BLUE GROWTH’

This initiative, which has European funding, is one more step towards Industry 4.0 and is part of the ‘Blue Growth’ strategy, for which the port seeks to be innovative, sustainable, inclusive and connected.

The port’s security chief, Carlos Botana, remarked that within the ‘Blue Growth’ several projects have been started, including the one hosting the simulator, called ‘Puerto del Futuro’.

In addition, he mentioned the ‘Carreras Azules’ project, to train 165 workers and offer “a la carte” advice to another 250. This project has already started with the training of managers, and they intend to extend it to the rest of the professional categories. In fact, they already have a course on climate change and new energies.

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Question of the week: What insurance pays for the bike in case of theft?

Question of the week: What insurance pays for the bike in case of theft?

Friday, 10.03.17 , written by Annabell Meyer In Germany, it is estimated that every two minutes a bicycle is stolen. More than 90 percent of the stolen bikes never reappear. Equally important is insurance for the bike that pays for theft. But there are certain conditions. Just completing the bike is often not enough to be secured. 

More than 600,000 registered bicycle thefts have occurred nationwide in the last two years alone. The number of unreported cases is likely to be much higher, as many cyclists do not even hope to get their bikes back, and do not go to the police. Even if bicycle theft is by no means a trivial offense, prosecution leaves much to be desired nationwide. The police can only enlighten about ten percent of the cases . She lacks the financial and human resources to act harder against the perpetrators.

In addition, thieves often belong to well-organized, international gangs. Once these are out of the country with the spoils, it is almost impossible to hold them accountable. A large part of the stolen wheels therefore remains missing. After all, those who are stolen with insurance for the bicycle get money to buy a new two-wheeler.

In case of bicycle theft, household contents insurance pays – or not?

Bicycles are usually covered by normal household insurance . But in order to pay for theft, insured persons have to fulfill certain conditions. So the bike should be taken into the apartment or stored in a lockable basement. Thieves then only get to the wheel by breaking into it. If the bike is stolen while traveling, it depends on the agreed insurance conditions, whether the home insurance pays.

Some policies also limit reimbursement. While some insurers pay for the original price of the wheel, others pay only a time value. Especially in older contracts, there is often a night clause, according to which the insurance for the bike in case of theft between 22 o’clock and 6 o’clock does not pay – regardless of whether the bike is completed at home or used. Insured are also only those parts of the bike that are firmly connected to the frame. For extras like saddlebags, lamps or baskets there is no refund.

Service: If you want to be on the safe side while protecting your bike, you should take a close look at the services that the respective policies contain. Cyclists will find the right protection for themselves with the household contents insurance comparison calculator.

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Is a special insurance for the bike worth it?

An extra insurance for the bike is especially recommended for cyclists who own an expensive bike. For example, if the electric bike or the mountain bike with special equipment costs several thousand euros, the owners are not adequately covered by home contents insurance. Because this often pays only one to two percent of the sum insured in a bicycle theft. The better protection, however, also has its price. For example, bicycle insurance costs several hundred euros a year . In addition, some contracts provide for a deductible of the insured in case of damage. In addition, the stolen person often has to prove that he had secured the bike to the insurer’s specifications.

How can cyclists prevent theft?

To avoid a bicycle theft, we recommend a high-quality and strong lock, which consists of as much steel as possible . But that alone is not enough, because thieves can easily carry away a locked wheel. Therefore, in the best case, the bike should be attached to a lamppost, fence or railing.

Cyclists can also have their bike coded by the dealer or the police. A special combination is engraved into the frame of the wheel, allowing the owner to quickly identify when the wheel returns after a theft. The coding usually costs a maximum of 15 euros.

Frame number helps with identification

In order to be able to inform the police as precisely as possible about the stolen bike in the event of a theft, it is advisable to note down the frame number . This is located at different points of the wire, such as under the bottom bracket or the rear frame tube.

What to do when a bicycle theft?

If the theft occurs despite all precautions, cyclists should inform the police immediately and file a complaint against Unknown . If they have no coding on the bike, they can indicate the frame number of the bike. The police send a letter about the bicycle theft to the victims, which they have to send to the insurance company. Whether the insurer requires further proof depends on the respective provider.

To find the stolen bike, tracking devices with associated apps for the smartphone can help. For example, the sender sounds an alarm when someone tries to steal the bike and sends a notification to the owner’s phone. In addition, the bike can be tracked via GPS or Bluetooth.

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After ECB shock: Good investment alternatives

After ECB shock: Good investment alternatives

 

finanzen.de News always well informed

 

Thursday, 05.06.14, written by Juliane Wellisch

Today, Mario Draghi of the European Central Bank (ECB) announced the cut in the key rate to 0.15 percent. For savers, secure investments are now finally a loss. Which alternative for your investment do savers even have? Anyone who says goodbye to the passbook, daily and fixed money can save his savings.

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Geldanlage: Alternativen zu Sparbuch, Tagesgeld und Festgeld

Investment alternatives for savers: Here’s still returns

Today’s decision by the ECB to lower the key interest rate was eagerly awaited by economists and consumers alike. Now it is clear: the key interest rate slips to historically low 0.15 percent. There is also the introduction of negative interest rates for banks depositing money at the central bank. These must now accept a penalty interest of minus 0.1 percent for their deposits. These steps have significant implications for savers who still invest their assets classically. Even now, secure investments rarely pay off a return. In order to receive interest above the inflation level for its capital, one has to say goodbye to traditional secure investments such as the savings account, call money or time deposit.

Service: You need an overview of the different investment forms? With the cash calculator, you will learn quickly and without obligation, which returns are possible with which investment.

Alternatives to low-return secure investments

Most consumers know that the savings book has long been hardly suitable for investing their own assets profitably. The ECB rate cut will not change that. For even before the renewed adjustment of the interest rate most passbooks offer less than 0.5 percent interest. Fixed deposits have become less and less lucrative in recent years. For middle-income savers, however, returns are possible. Mutual funds, equities, assets and savings plans can be used to reliably increase your own capital.

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Investment Alternative # 1: Mutual Funds – Good prospects through broad diversification

Mutual funds invest savers’ money in various companies, securities, real assets, or shares. While some funds focus on real estate, fixed income or equities, others are well mixed. This results in very different return options. Savers should never forget the risk aspect of funds that promise high returns. Even if losses can be cushioned by the broad distribution of deposits, a mutual fund can not offer such a high degree of security as, for example, the overnight money.

Investment alternative no. 2: Stocks – High profit opportunity, but also high risk

Stocks can generate significant profits. Savers who choose to invest in equities will not only benefit if the share price rises. Because as an alternative to a secure investment, stocks pay off primarily through the dividend. This is distributed to shareholders if the respective company is doing well. However, if the stock corporation gets into financial difficulties, savers are also at risk of high losses. Instead of investing in a single company, an equity fund is therefore an alternative. Here one has high yield possibilities and does not have to worry about losing all the capital in one fell swoop if a stock company becomes insolvent.

Investment Alternative # 3: Real Estate

Home ownership is still the investment goal number one for many savers. Finally, you save on rent payments and also gains a lot of freedom. In popular regions in recent months, houses and condominiums have also risen considerably in price. Experts are therefore divided on whether real estate as an alternative to the classic investment for savers really worthwhile.

If you want to build your own four walls or purchase, you should therefore make sure that the property or the property is not already overpriced. In any case, low interest rates mean that there are currently very favorable real estate financing options, especially if you already have enough equity capital. Bausparkassen are currently promoting their contracts with the later guaranteed favorable loan interest. However, here also the interest rates for the savings account are very low, which makes some Bauspar contract at the moment as an investment for savers rather unattractive.

Which investment is the best alternative for savers?

In addition to the alternatives for investing, savers have countless other options for increasing their wealth. If you want to put some money aside every month, you benefit, for example, from a good fund savings plan. For savers who want to invest more money, they can split the investment into bonds, funds and equities. It applies to all savers: Before investing should be fully informed about their own ability and advice.

 

 

 

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