Mein Name ist Trevor John Ellis, ja - ich bin Engländer und ich spreche perfekt Englisch und Deutsch. Daher betreue ich Deutschlandweit auch Kunden beider Sprachen.
Ich leite eine Hauptagentur der ARAG Versicherung seit 2010.
Als studierter Dipl. Sportmanager- und Ökonom und staatlich geprüfter Versicherungsfachmann, habe ich ein breites Spektrum an Wissen gesammelt.
Tel. 0176-20178142 - info@agentur-ellis.de
When thinking about insurance in Germany, you’ll need to decide on what types of insurance you will need. Below is an overview of some of the kinds of insurance expats in Germany might encounter. While some are compulsory and must be taken out by everyone, others are optional.
In Germany, everyone is liable for the damages caused to others, regardless of whether it is a deliberate act or not. Private liability insurance is therefore highly recommended as it covers the costs of damages or injuries caused by an individual to a third party.
From small issues such as paying for the scratches you made when moving out of your apartment to covering you and your family while travelling – there are a range of insurances that are indispensable for a safe everyday life.
In Germany, EVERYONE is liable for the damages caused to others, regardless of whether it is a deliberate act or not.
Private liability insurance is therefore highly recommended as it covers the costs of damages or injuries caused by an individual to a third party.
It’s not just about property damage, like accidentally knocking over your neighbour’s new TV. You are also liable for financial losses (e.g. if the damaged person loses business because of you) and personal injury (e.g. if the injured person requires medical attention).
Dog liability insurance pays for the damage your dog causes to third parties. As a dog owner, you are legally responsible for your dog’s actions.
It’s mandatory in some regions of Germany (Berlin, Brandenburg, Hamburg, Lower Saxony, Thuringia and Schleswig-Holstein) and in certain parts of Europe. Our dog liability insurance fulfils the legal requirements for having insurance in Germany.
Anyone who drives a car in Germany is obliged to purchase at least minimal car insurance coverage. These kinds of policies will pay out in the case of you or your car causing damage to other people, cars or property. You can also choose more comprehensive cover that protects you in the case of accidental damage, theft and fire.
Coverage for you and your belongings
Broadly speaking, there are three main types of home insurance in Germany:
For fires, burglaries, water damage, and other situations – Regardless of if your belongings were stolen, burned, or soaked, you’re covered under household insurance.
Home content insurance covers damage to your belongings caused by:
If your belongings are damaged or lost, you can make a claim and your insurance will pay out the cost of replacing the item.
With us you can insure almost all electronics, electrical and gas devices in private households with electronics insurance.
We want to protect you from high costs if you have to replace expensive devices in the event of damage. Depending on what you would like to insure.
Health insurance in Germany is mandatory but there are many ways to get the coverage that is right for. Whether you are only here for a short stay, a few years in order to work or want to relocate for good, having the right health care is a fundamental aspect of living in Germany.
Coverage for you and your belongings
Health insurance in Germany is mandatory but there are many ways to get the coverage that is right for. Whether you are only here for a short stay, a few years in order to work or want to relocate for good, having the right health care is a fundamental aspect of living in Germany.
Health insurance is universal in Germany, meaning that, by law, everyone needs to take out cover. If you are working in Germany, you will normally be signed up to a statutory health insurance scheme, to which your employer will contribute 50 percent of your premiums. If you are self-employed or a high-earner, you can opt for private health insurance.
Rather than opting for statutory health insurance, you are able to take out a private health insurance plan in certain circumstances. If you wish to take out private insurance and you are employed, you will need to let your employer know so that they don’t automatically register you with a statutory health insurance scheme.
You can spice up your statutory health insurance with:
What happens if you can’t work anymore? And how do you provide security for your family in case of death? Life and loss of work force insurances can support you to achieve financial security for you and your loved ones throughout the next years.
In Germany, EVERYONE is liable for the damages caused to others, regardless of whether it is a deliberate act or not.
Private liability insurance is therefore highly recommended as it covers the costs of damages or injuries caused by an individual to a third party.
What is covered by home content insurance in Germany?Home content insurance covers damage to your belongings caused by:
If your belongings are damaged or lost, you can make a claim and your insurance will pay out the cost of replacing the item. It doesn’t matter what you paid for the item originally, the claim will be enough to purchase an equivalent item at today’s prices. Your insurer might also pay out the cost of repairing the item.
Required by law for all registered vehicles.
It not only covers liability damages to third parties in case of an accident, but also provides financial protection against damages and theft. Costs for this insurance can vary greatly, depending not only on the car itself but on your driving history.
Whether you own a property as an investment or as your permanent home, it is paramount to set up insurances that help you secure your assets.
In Germany, EVERYONE is liable for the damages caused to others, regardless of whether it is a deliberate act or not.
Private liability insurance is therefore highly recommended as it covers the costs of damages or injuries caused by an individual to a third party.
What is covered by home content insurance in Germany?Home content insurance covers damage to your belongings caused by:
If your belongings are damaged or lost, you can make a claim and your insurance will pay out the cost of replacing the item. It doesn’t matter what you paid for the item originally, the claim will be enough to purchase an equivalent item at today’s prices. Your insurer might also pay out the cost of repairing the item.
Required by law for all registered vehicles.
It not only covers liability damages to third parties in case of an accident, but also provides financial protection against damages and theft. Costs for this insurance can vary greatly, depending not only on the car itself but on your driving history.
Life is full of surprises – business life even more so. The needs and requirements for insurances of a business can be as different as the people behind the business themselves, but there are a range of important insurances that can help you deal with surprises.
In Germany, EVERYONE is liable for the damages caused to others, regardless of whether it is a deliberate act or not.
Private liability insurance is therefore highly recommended as it covers the costs of damages or injuries caused by an individual to a third party.
What is covered by home content insurance in Germany?Home content insurance covers damage to your belongings caused by:
If your belongings are damaged or lost, you can make a claim and your insurance will pay out the cost of replacing the item. It doesn’t matter what you paid for the item originally, the claim will be enough to purchase an equivalent item at today’s prices. Your insurer might also pay out the cost of repairing the item.
Required by law for all registered vehicles.
It not only covers liability damages to third parties in case of an accident, but also provides financial protection against damages and theft. Costs for this insurance can vary greatly, depending not only on the car itself but on your driving history.
Since 1914, the New York Mutual Insurance Company has been serving policyholders protecting businesses
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Very helpful fully explaining the different plans. Cash value is accessed via loans, which accrue interest and reduce cash value our valuable items.
Very helpful fully explaining the different plans. Cash value is accessed via loans, which accrue interest and reduce cash value our valuable items.
Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services able to add on additional.
Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services able to add on additional.
Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services able to add on additional.
Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services able to add on additional.
Serving the interests of our clients. Personalized support and relationships matter to us. Because we are owned by banks, we are empowered to deliver top-notch support and services able to add on additional.
Since 1914, the New York Mutual Insurance Company has been serving policyholders – protecting businesses, mitigating losses, defending claims. Renters .
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