I´ve paid a lot of money for insurance contributions in my life. My father was a very solicitous father. He made sure that I effected a health, a life, a fire, an annuity, a household, a motor vehicle, a personal liability and a legal cost insurance. Certainly I have to pay the costs ...

The fear of danger makes us effect several insurances in different, if it is necessary or not. Which insurances do I really need?

Insurance companies often exploit the fearfulness of the citizen. This check list gives information on which insurance is necessary or useful for you.

Everybody should actually check which insurance is absolutly necessary, useable, not necessary or really senseless in the current life section from time to time. It´s a fact: Working persons need different insurances than pensioners, singles needs differ from families. Absolutely necessary for all of them is:

• Health insurance
• Motor vehicle insurance (if you have a car)
• Personal liability insurance

Families should take care that their third-party insurance includes children. Children seven years or older can be made liable for damage they caused.