Unclear Formulations

Uncertainties in terms of on the subject of transportation since 01.09.2010 has the Continentale insurance the comfort fare on the market. Striking during review of the conditions that is under the item 11 in general insurance conditions (stand 01.09.2010) the following to the point written transport: necessary transports are regarded as ambulance after an accident or disaster with a special ambulance to the and from the nearest doctor suitable according to medical criteria or hospital and prescribed rides to the and the dialysis, radiation, or chemotherapy in the nearest, setting up suitable according to medical criteria. Health insurance was followed by demand for the Continentale on June 11, 2010 a short statement via email. From the collective comfort, you will receive benefits for medically necessary transportation with a special ambulance to the nearest doctor or hospital. “Special medical vehicles” the firefighters and other relief organizations are ambulances, ambulance, ambulance and rescue helicopter. ts. The need for the Transport with one of these vehicles is linked to the necessity of special equipment. Only through a transport with a “special ambulance”, it is ensured that this will be carried out by appropriately trained personnel. The doctor, taking into account the medical indication makes the decision about the type of means of transport.

Public transport, taxis or private cars are no special medical vehicles. Telephone demand on September 30, 2010 that no security for the customer represents that statement, I was informed, that it trade include aircraft would. The request me as a broker a corresponding Erklraung in writing come to admit was rejected. If you take out an insurance, you look at precisely the conditions. Points should be not clearly defined or even absent, you personally pay for the costs incurred.

Make Equity

In addition to the actual conditions of their building loan, equity is the most important pillar in funding their real estate or condo. Because one thing is certain: they have more money available, the less foreign capital of the Bank you need. And exactly this equity reduces its construction loan, because their ratio is higher, the Bank’s financing risk is lower. In addition to the usual cash reserves that they have savings accounts, checking accounts, and in the form of cash, can sell securities also may be existing. Of course she should consider it previously well, whether they want to necessarily sell savings and securities, but the cheaper construction interest will thank them anyway. They should not even take advantage of the real estate, but rent, a high equity ratio is purely tax of course, more little point. Follow others, such as Martin Feldstein, and add to your knowledge base. Make the mistake to put their entire cash reserves to finance their real estate but definitely not.

Three to six monthly salaries they should always have in the backhand. Because no one is protected from unforeseen events. At this point, many builders fail, they commit this error also. They can invest their capital now rest confidently now elsewhere. So they can realize interest income for example through funds that exceed its construction rate. At the end of the construction loan, they can then use their money high on to repay of the remaining debt. So you see there are a lot of ways to distribute your own money, without necessarily putting everything in their real estate financing. Should they, intend to use their property itself, like most people, then they are better off with a high equity ratio with security.

Euro Comprehensive

More deductible is so limited and more savings. Explain pricing can be with the practice of the claims at the motor insurers. The excess of the clients a large cost factor eliminates the insurers: frequently small damage such as dents or paint scratches the insured carries up to the agreed amount itself. By the fact that the bulk of such minor damage is covered by the deductible, the insurer can save lots of money. A number of direct insurers offered generally no comprehensive rates without excess and requires at least a certain power of customers in the event of a claim. The premium by the excess to several hundred euro tariff characteristic can vary depending on the insurance company in the year.

So a new car buyer will pay *, for example, at the Europe insurance for comprehensive insurance without excess around 494 euro per year. He chooses a low deductible of 300/150, however, the 296 euro costs a cost savings by almost 200 euros. The vehicle owner raised 500/300 euro, its excess contribution of his full insurance on only 260 euro sinks. Similarly, in the partial cover insurance: HUK-Coburg insurance giant reduces the annual fee for a car driver * 135 on 81 euros, if he chooses a deductible of 150 euro. However, he chooses a deductible of 300, so he pays in the year still 66 euro. With views of the autumn and the upcoming Wechselsaison experts of toptarif.de for a general comparison of insurance advise. So, up to 50 percent of the annual cost can be saved by switching to a cheap car insurance. * Upon completion of a full insurance, the partial cover insurance is automatically included. For full and hull damage of part of, the policyholder chooses two separate excesses. The motor insurer set their individual deductible levels for the full insurance with the help of GDV calculation basic statistics, so for example 300 Euro Comprehensive – and 150 euros for hull damage of part of.

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