Category: Insurance

For the first time in over a year, average annual premiums for motor insurance are more expensive than in the previous year's comparison. This is mainly due to expensive partial cover tariffs: These are currently 8.5 percent higher than 12 months ago. This is what the Verivox car insurance index shows.

Storms make partial casco up to 8.5 percent more expensive

In the partial cover segment, the price turnaround has been apparent for some time now. Here, the average premiums have already been above the previous year's level again since the fall of 2021. At the end of the year, they were 8.1 percent more expensive – currently they are even 8.5 percent more expensive.

Renting a car can make the rest fun or just miserable. This is the same as renting a car for any occasion. If you are considering traveling for a trip, you may consider renting a vehicle to make your trip more comfortable than in your car.

If you want to make the right choice when renting a car for a trip, you should talk to your travel agent to find out which car is best to rent and which is the best deal for you vehicle. Using a travel agent can save you money when purchasing a rental car. You will also know if there are any promotions going on at any given time that you are planning to travel for, which are not published publicly but only to travel agents.

Croatia is certainly one of the most popular areas for recreational skippers and after weeks of shutdown the longing for a trip in the Dalmatian island world is greater than ever – whether on your own keel or with a chartered motor or sailing yacht.

ADAC: What is the situation at Splendid Yachting and what are the questions and concerns of charter clients??

ADAC: Are there any first announcements when crews in Croatia could set sail again with the charter yacht??

Stefan Breck: Unfortunately, it is not possible for us to look into the crystal ball and we do not have any binding dates at the moment. However, Prime Minister Plenkovic gave a press conference on 21 December in which he stated that the government would be able to issue a new pension.4.2020 first concrete statements on the opening of the border and how tourism could be slowly ramped up again. Accordingly, there are initial plans to open the borders from 18.05. for tourism in nature, d.h. For camping sites, vacation homes and nautical tourism, hotels will not be able to profit from these border openings for the time being. In addition, entry to Croatia will be allowed only for tourists from countries with good Corona quotas. If from 04.05.20 more clarity on the development of the pandemic, the government will make a final decision on how to proceed. As long as there is freedom to travel again, we expect numerous bookings at short notice.

ADAC: How does Splendid Yachting deal with the situation when, contrary to expectations, booked trips cannot be started??

Stefan Breck: We actively contact our guests in order to find a joint, individual solution. We are pushing for free rebooking within the 2020 season, in case of a price difference due to the change to another season we are striving for an individual and amicable solution and so far we are very pleased that basically all guests are very open to it. For those who cannot come in 2020, we are working with a combination of vouchers and a discount, respectively. Loyalty bonus valid for the 2021 and 2022 seasons.

If you are convicted of drunk driving, auto insurance rates will probably go up for at least three years in most states, and you will probably learn a lot about something called an SR-22.

Vacation and the anticipation of it should be carefree. Nevertheless, some things can go wrong before or during the trip. Vacationers should think about this during or at the latest shortly after booking, even if it may be difficult in view of thoughts of palm trees, sun and sandy beaches.

But: Illnesses, accidents and other imponderables can not only make your vacation a disaster. It can also become really expensive.

Travel insurance is really important and some even choose not to have it, but honestly, accidents happen and they seem to happen when you least expect it and least need it. Medical bills can cost a fortune abroad and with travel insurance you can have peace of mind. We recommend World Nomads travel insurance as they offer simple and flexible travel insurance and safety advice to help you travel safely, travel guides and destination tips to help you plan your trip, and responsible travel insights to help you travel better.

Why we recommend World Nomads?

• Trip cancellation insurance: They will reimburse you 100% of the balance if you cancel a trip for one of the reasons listed in your policy.

• Travel medical insurance: Travel medical insurance can cover emergency medical expenses up to the limits of your plan if you get sick or injured while traveling. These costs can include prescriptions, lab fees, and hospital and medical bills.

• Emergency medical evacuation: emergency medical evacuation coverage pays for an ambulance to take you to the nearest hospital that can treat your condition if you become injured or ill while traveling and need to be transported. Transportation can also be arranged through your travel insurance provider's emergency department.

• Travel delay insurance: travel delay insurance pays for additional costs, such as z. B. A hotel room for an overnight delay, up to the amount specified in your policy, if your trip is delayed due to an event covered by your plan.

• Trip interruption insurance: if you have to cancel your trip, trip interruption insurance can cover the cost of a last-minute flight home and lost money from non-refundable activities and hotel stays.

• Luggage and personal effects: If your luggage is lost or stolen, baggage travel insurance can make up the difference up to policy limits. Your luggage and what you packed will be reimbursed for its depreciated value. It can cover the cost of any necessities you buy to get you through if your luggage is delayed. In case of theft, loss or damage, this also includes your personal belongings. Check your policy to see what is covered, as some exclusions may apply.

World Nomads travel insurance plans

You can choose between the Standard and Explorer plans from World Nomads.

Catastrophic health insurance is a special type of coverage open to people under 30 and those eligible for income under the Affordable Care Act (ACA). Let's take a look at how it works, who qualifies, what it covers and how much it costs.

Eligibility

First, you must live in a state where catastrophic plans are available. Of the states that offer catastrophic plans, some have many options and some have few.

For home construction, there are insurance policies that will step in if something goes wrong. If delays and damage occur during construction due to various circumstances, you can quickly incur high costs: You, as the builder, are liable for damages that happen during construction, must reacquire stolen materials and replace destroyed components of the shell of the building itself. You are also responsible for your helpers. In order to absorb the sometimes very high financial burdens that these risks entail, there are various home construction insurances available.

Several builder's insurances are important

In order to protect your building shell during the entire construction phase, it is not sufficient to take out a single insurance policy: Different policies take effect in the event of various damages. In addition, it also plays a role whether you as the builder are the injured party yourself or a third party. The following insurance policies, in combination, provide good coverage until your home is finally ready for occupancy.

I always advise my guests: book a cheap flight first, then the accommodation and last the rental car, without it almost nothing goes. Because the bus and train connections are poor in Sicily and only something for someone who brings a lot of time. So if you don't want to make a pure bathing vacation and also want to see something, you should definitely book a rental car. Especially since many consider the size of the island – after all, over 25.000 square kilometers – and underestimate the road conditions.

Tips for rental cars

Book in advance and in the high season (July, August, September) in time over the Internet. Preferably always with a fully comprehensive insurance, in which also glass and tire damages are included. Please make sure that the rental company is located in the terminal in case of cheap offers. This is the fastest way. Often there is a shuttle to the station. This means you have to call the rental company and they will drive you to the station. This can sometimes cost a lot of time. You will not get a car without a credit card and this should also be sufficiently loadable (ca. 2000 euros are advisable) because the sums for possible damages or theft are blocked, not deducted. Don't get talked into additional insurance at the airport. This is often tried, especially if you do not book directly with one of the major providers, but go through an Internet platform that acts as an intermediary. There you also submit the costs in case of accidents and other inconveniences, which will then be reimbursed. This means you pay in advance. You should have a close look at your car when you receive it and have any further scratches documented and, ideally, still take photos. Compare prices on the different portals. You will find a list at the end. If you are a member of the ADAC, you should also ask there for a quote for a rental car. Can sometimes be the cheapest offer.

Normally, a person in need of care is granted a necessary aid such as a care bed by the social long-term care insurance at the same time only in one and not in two pieces. However, there are also exceptions, as a court ruling shows.