The top ten most unnecessary insurance


Every German statistically has five to six insurances. Many policies, however, are superfluous. An overview of the most pointless insurances that cost you cash.

R and 457 million insurance policies are held by German citizens. And the insurance companies are resourceful when it comes to the launch of new products. Quite fresh at Allianz, for example: the cold protection insurance. It is intended to cushion the additional heating costs in severe winters: If the temperature falls below a predetermined threshold, the Alliance pays one Euro per minus. However, if the winter is mild, the customer peeks into the tube. Actually a bet rather than a policy. And it looks like she has a good chance of being included in the hit list of the ten most superfluous insurances that the Confederation of Insured has put together:
1st place: Death benefit insurance
With it, prudent people want to cover the costs of their own funeral, so that the relatives do not sit on it. In fact, the survivors often get out less money than the insured has paid. A savings account would be better.
2nd place: occupant accident insurance
Anyone who has a car is required by law to take out motor vehicle liability. And it also occurs if you cause an accident and injure your passengers.
3rd place: accident insurance with premium refund
The providers lure that one has the protection of an accident insurance and at the end of the term, the paid premiums get refunded. But this works at best for a very long term. The risk protection is often moderate.
4th place: insurance against domestic emergencies
You have excluded yourself? The heating fails and electrical appliances have to come from? You have to go to the hospital and the dachshund is not accommodated? Since the insurance with service and a hand money. However, who has friends, even without a police clear.
5th place: wedding cancellation insurance
Sorry when the planned wedding party bursts. If a serious illness, accident or apartment fire is the cause, the insurance covers most of the costs. Not if the bride or groom change their mind. Because a withdrawal from the yes is not enough as an insurance case. This is more the rule than accidents or fires.
6th place: mobile phone insurance
Whether mobile phone, laptop or camera - to the new device is now sold a device insurance that extends the warranty or extended. The original price, however, you will not be reimbursed, but only the rapidly declining time value.
Seat 7: baggage insurance
You have to sit on the suitcases, so that the luggage insurance really jumps in, if the luggage is stolen on vacation. If you do not have your pockets firmly under control, the company imputes negligence - and then you are not paid. Almost never.
8th place: hospital daily allowance insurance
She pays a fixed amount for the small additional costs incurred during a hospital stay: TV and fruit in the room, parking charges for the relatives. For a spa stay, there is nothing. Rarely do you bring in what you have paid in again.
9th place: glasses insurance
If the glasses break, the insurance should jump in. Often, however, the insured person must carry a deductible, and in the case of a new groove, the insurance company partly only takes over products from the zero tariff segment.
10th place: glass break insurance
Homeowners with a winter garden should think about a glass break insurance. For all others, if a window is broken, that does not mean financial ruin. Damage caused by fire, tap water, storm or hail is already covered by the household and homeowners insurance.