insurance: The unjustified cries of the insurer

insurance: The unjustified cries of the insurer
 The European Court will decide whether insurers must calculate their rates for men and women differently. Women pay more in pension insurance, because they live longer statistically. While men rely more car accidents and cough up more for their car insurance. But insurers are different not only long after the race.

  Enlarge logos of leading insurers: The European Court of Justice in 2011 to judge whether different discriminatory insurance rates by gender. Insurers defend themselves against common tariffs for men and women dpa / dpaweb What a hue and cry: The European Court of Justice (ECJ) has not decided anything, but the insurer beat precaution ever crash. Measure would, in the worst case, all tariffs will be recalculated. And could cost the first estimate for 30 billion euros, warned the German actuaries. The costs would lead to dramatic financial difficulties in the German life insurers, announced Michael Steinmetz, CEO of the German Actuarial Association.
But this problem does not interest the ECJ. He is concerned essentially with the question: Is it okay if the sex of the insured as a risk factor in the calculation of tariffs play a role? And so sometimes the men, sometimes discriminated against women?
Discriminated against is presently the insurers - and black paint. Munich-Re-chief Nikolaus von Bomhard warned that in case of emergency all the "better off" turned their backs the underwriters and "another system" were looking for. "That's why it's an art to organize the insurance community," he said, referring to the private insurers. Alliance-Germany boss Markus Riess even sees the business model of the German insurance industry at risk. It is crucial that "we are able to risks detailed understanding and making the right prices. " The required level for risk analysis. And that includes not just the sex.

Private insurance - expensive luxury

There are many reasons to opt for private health insurance: private patients must often wait at the doctor less long, they get slightly more expensive drugs, or the extra-examination with costly equipment. One is no reason for the favorable reviews, will attract young customers with whom the insurer. Because the private insurance begins with low premiums while, but over time they get further and further. At the age private patients pay far more for their health insurance than most retirees for their legal fund, which collects the contributions known as a function of income.

Auto insurance also change after November

A look at the calendar could be the one or another scare: Was not there something that can be done only in November? But not everyone has it already be too late now to cancel auto insurance - even if the date 30 November is passed: Many drivers are entitled to a break option.

 

One reason for extraordinary termination is when the insurer raised the same performance contributions - regardless of whether the risk rating of the vehicle or the regional class has changed. Even when buying a new vehicle, the insured may cancel - they shall not be obliged to transfer the contract of the old to the new car. More specifically, the situation is stored in case of damage: Then we have a mutual break option, both for the vehicle owner and the insurance company. Regardless of the reason is true: customers always have the assurance of receiving the letter to get some insurance tips for free.

 

Insurance: Additional services may be offered only under certain conditions

Insurance: Additional services may be offered only + + trip: to offer flight rebooking is no cancellation + + Cruise: Seven hours less Singapore: No money back

 

Insurance - Additional services may only sometimes be offered

air travel portals can only offer insurance quotes to more active in posting. However, it is not permissible if they make one for the flight is not necessarily required power not form part of a package and then offer guests the opportunity to take the post again from the bill. In the proceedings before the District Court of Leipzig case, a passenger was informed during the booking process, to have a suitable travel insurance had already been selected for him. If he would do without him, he must select an appropriate field (case number 5 O 2485/09). dpa

 

If one party offers to its guests for a delay a transfer, it not automatically cancel the originally scheduled flight. Also, the words "Cancelled" on the scoreboard just is not enough. In both cases, travelers are not entitled to compensation payments. In the proceedings before the Berlin Regional Court case, a pilot the passengers for fifteen minutes after the originally planned starting time had been ordered to leave the machine for the time of repair. A passenger claimed that it had been made mandatory to transfer, from which he derived an annulment and sued for damages. At trial, but confirmed neither the pilot nor the other passengers that the passengers were asked to transfer authentic. Thus, a substantial indication lacking that the airline had given up the intention to carry out the flight. The "Cancelled" indicator is not relevant anyway, because the information did not originate from the airport operator and the airline (Az: 57 S 44/07). dpa

 

Cruise vacationers can recover any money from the organizer if the stay is shortened their ship in each port a few hours. This was decided by the District Court of Offenbach (Az: 340 C 29/08), the German Society for reported travel law. In this specific case, the wait time of a cruise ship in Singapore from 21 to 14 hours as well as in Hong Kong had been reduced from 16 to twelve hours. One couple complained about it. It looked through the shortening of the stay in Asia, in severely restricted. The shipping company responded that the changes that had been prescribed by the port authorities mandatory. The court gave the right provider. The reductions were "mere inconvenience this may have to accept compensation. Still only 14 and only twelve hours would have been available.

 

Satisfied motorists switch car insurance rarely for reasons of price

Motorists who are satisfied with their car insurance would also change the majority of their insurer, even when they could thus save on fees. The study, "Automotive Compass Exchange 2010 DEVK shows to see 62 percent of the insured satisfied no reason for the termination of their car insurance, even if another provider offers lower rates on a cheap insurance quote provided to them. This would these "non-changer" in itself does not interfere with the expenses of termination and insurance change.

 

Overall, 97 percent of drivers, their car insurance do not cancel at the end of the year, that they are satisfied with their current insurer and in good hands. Another 64 percent said to feel a huge satisfaction with their car insurance. It expressed itself in the study particularly positive about the car owners their insurer if they previously had a claim and expiration of the settlement of the claim to full satisfaction. sch