When buying insurance in Germany, it’s important to think carefully before making a decision. Here are a few things to consider:
1. Who or what is being insured?
The first step is to clearly understand what you’re insuring—whether it’s your car, home, health, or life. Each type of insurance covers different things, so you must be clear on what is being protected.

2. What triggers the insurance payment (insured event)?
Each policy has specific events that will make the insurance company pay. These are called “insured events.” For example, with car insurance, an accident or damage to your vehicle might trigger payment. In health insurance, the insured event would be illness or injury. It’s crucial to read the policy to know exactly what’s covered.
3. What is the maximum payout (amount of insurance)?
Policies have limits on how much the insurance company will pay. Ensure the policy covers your needs. For instance, if you’re insuring a high-value item like a home or car, confirm the policy will cover the cost to repair or replace it if needed.

Once you understand your needs, take time to research thoroughly. Ask friends or colleagues for recommendations, and consult an impartial insurance advisor from consumer protection agencies for objective advice.

Once you have a basic understanding of your needs, research thoroughly without rushing. Seek advice from friends or colleagues with insurance experience, and consult impartial advisors from consumer protection agencies for objective guidance. After your research, schedule a meeting with the insurance company to ask questions about premiums, deductibles, and coverage limits. Take your time to review all details before signing, as insurance is a significant investment, and you want to ensure you have the right coverage.

If you’re not confident in your understanding of the policy’s language, bring a German-speaking friend or colleague with you to help. It’s important to fully understand what you’re agreeing to before committing. By following these steps, you’ll be able to choose the right insurance policy for your needs. Whether it’s for car, health, home, or life insurance, taking the time to research, ask the right questions, and understand the policy will give you peace of mind, knowing you’re well-covered.