Anyone who successfully concludes an insurance contract subsequently receives a so-called insurance policy from the insurance company. This is an important document that you should always keep in a safe place. The following guide will enlighten you as to why the policy is so significant and what you can do if it is lost.

The most important facts in brief

  • An insurance policy contains all important individual contract data and the general terms and conditions of the insurance company.
  • An insurance contract taken out is not valid until the policy is received.
  • Insurers are obliged to issue the document.
  • In the event of a claim, you often have to show the insurance policy.

Definition: What is an insurance policy?

An insurance policy – also known as an insurance certificate – is a document that serves as written proof of a concluded contract between the policyholder and the insurance company.

General costs

The costs for legal advice – it depends on the individual case. An initial consultation, for example, only incurs one-time costs, which are manageable. Detailed advice and the design z. B. of contracts are more complex in terms of costs. The same applies to court proceedings.

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Are you looking for information and perhaps advice on excursions with baby ? Just because you have just had a baby does not mean you have to stop traveling! With a little organization and a good destination of travel, going with baby is quite possible and as pleasant for the parents as for the child.

Divorce without a lawyer

Apart from the mental side, a divorce can be very expensive. Even in an amicable divorce, there are always costs for a lawyer as well as the court. If the failed spouses agree on the legal separation, they may play with the idea of getting divorced without a lawyer, however, the legislator puts a spoke in the wheel here. Due to its legal nature, a marriage cannot be divorced just like that, which is why the spouses may well incur considerable divorce costs.

Divorce only by judgment of the court

In the Federal Republic of Germany, divorce is only possible through the courts. All attempts by legislators to make divorce by mutual consent possible – for example, through a notary – have failed to date due to resistance from various interest groups. Even if the spouses to be divorced are in complete agreement, no savings are possible here.

Help with damage settlement - motor vehicle assessor Hanover

After a traffic accident that was not your fault, our appraisers will accompany you through the claims process, claims settlement and beyond. Make use of our claims settlement from a single source. Fast, competent and reliable!

Make your car fit for the winter

This post educates you on the most important things you can do to prepare your car for driving in cold
Prepare for the weather. In addition, we also give you tips on who to turn to if you need help
need, or how you can make sure you get through icy winter nights with a good feeling
come. Because: when winter comes, cold weather also comes. And if you are out and about in the cold weather
it is important that your car is equipped to handle it.

So here are some tips on how to get yourself and your car ready for winter!

Small motorcycle: The most important rules for mopeds and co.

If you find the bicycle too slow, the motorcycle too dangerous and the car too expensive, you may be interested in another means of transportation: the moped. This is not a specific type of vehicle, but a whole class of vehicles, which includes u. a. Mopeds, light mopeds, S-pedelecs and motor scooters belong to this category. The following guide reveals which regulations you have to observe when you take to the road on a moped.

FAQ: Moped

Do I need a driver's license to drive a moped??

hey are of particular interest to young people and primary insurers: Insurtechs. The main reason for this is that digital insurance offers can be accessed conveniently from home or on the move via an app. Saves time and effort. We present four business ideas from up-and-coming insurtechs.

First fintechs – now insurtechs?

Compared to the most successful fintechs, insurtechs still have some catching up to do. Startups in the insurance industry are about three years behind those in the financial sector, if the self-assessments of various insurtechs are to be believed. However, this does not mean that rapid progress is not being made in this area as well.

In Germany, it is a legal requirement that every registered vehicle is insured with a motor vehicle liability insurance policy. To ensure that in the event of an accident, the damages incurred by the person who caused the accident can be paid for.


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Tax advisor for physicians

Gain time for your patients – We take care of the numbers!

How successfully your practice runs depends, of course, primarily on your personal performance as a doctor. However, since your practice is also a business, it must also be economically and commercially well positioned in order to be successful in the long term. It makes sense to work with an experienced tax and business start-up consultant for physicians right from the beginning, starting with the first steps of setting up your own business. We can assist you as a trustworthy, competent partner in all commercial matters. Once the practice has been successfully established, we as your tax advisor for physicians in Cologne will of course be happy to take care of the ongoing business management and tax advice.

Use our knowledge – we are looking forward to it!