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Found 9 results

  1. Health insurance question

    Hello. I have a question that might be a bit tricky to answer.   I am a UK citizen who is going to Germany in about a month's time to look after a friend's house for the winter.   Right now, I have started writing a book for an English publishing house, so will do that will I am there. I am living off savings and only get a bit of an advance from the publisher.   My main concern is health insurance. I am not sure what is best for me as I will obviously be registered in Germany, but do not really plan to be longer than, say, six months.   Is it best to get "travel insurance" while I am in the UK or something while I am in Germany? I think that, if the latter, they might find it hard to pigeonhole me...   Any advice, knowledge or ideas would be welcome. Thanks in advance.  
  2. My wife was reversed into on the car park of our daughter's Kindergarten by one of the employees, the cause of the crash and fault is NOT in dispute. We took the car (a ford fiesta) to ford and got a quote for the damage repair, they gave us a quote and took photos, etc and we paid 70 some odd euros for it which we would get taken off the total when we get the work done.    We passed this on to the insurance company who disputed the cost and told us to use another firm and issued a check for a lesser amount less the VAT, which we are apparently supposed to claim back ourselves in our tax at the end of the year.   This would mean we lose the 70 odd euros and won't get the bumper replaced with new parts but repaired and resprayed.   The insurance company I'm dealing with is VHV (that is the insurance company of the other person)   I have a few questions here.   1.  Is there a duty on our part to take the vehicle to a specialist repair shop and not to an authorised dealer (who offer insurance repairs)?   2. Is it normal that they pay out the repair cost less the VAT?  I have never heard of anything like this before.   3. Can they insist that we have the work done with a specific company?   4. Can they insist that we opt for a body repair and not replace with original parts? note - The rear bumper is cracked and I don't want a plastic weld and repaint, I've managed garages for years and I know that these very often give after a few years and you can see where the repair was done, I feel that we should be entitled to have the bumper replaced with original parts.   I would be VERY grateful of any help or advice.   D
  3. My wife is coming to Germany and needs health insurance to travel. Is it possible to enroll as a co-dependent with me in public insurance like TK before even arriving in Germany? This will avoid requiring a temporary private insurance for her.
  4. What can I exepct from Immobilien Verwalter

    How do deal with my Immobilien Verwalter?    A few years ago one of the electric sockets stopped working in one of my apartments. Eventually I got an electrician in, who discovered the wire going to the socket had been pierced by drilling from outside.   Basically 2 or 3 years ago there were renovations with a scaffolding bolted on for a few months. One of the scaffolding mounting bolts pierced and electric wire in my apartment causing a socket to not work for a few years. I eventually got an electrician in and he wrote a declaration that the problem was caused by a bolt driven in from the outside. This went to insurance 4 months ago, they said the contractor should pay. As you can see below the contractor refuses to pay.   1: How many companies have bored walls outside my apartment in the last 5 years 2: Isn't up to the insurance in such a case to deal with the subcontractor? 3: Isn't the management company supposed to work for me solving these problems, rather than giving a shitty response like below?   I've realised I barely know the company administering my other apartment because they solve everything for me. I'm always resending shit, asking about progress, demanding results with with this company.   You notice the scaffolding company states that they have no pictures. I forwarded 20 photos and a report from the electrician to the verwalter. They probably didn't bother forwarding it to the scaffold company   What do I want from here?  Is my view of the world above correct. Somebody is responsible for this, either contractor, or insurance and my Verwalter should have sorted it out.    
  5. Young Drivers and Car Insurance

    Maybe there is a "tip"/"trick"/"workaround" here that we are missing.   We own one car, currently worth around €7000, and pay around €500 in insurance for 2020.   Our 18 year old son just passed his test few weeks ago and wishes to be able to drive our car.  Our existing insurer (DEVK) says to add him to our policy will more than double the price for the remaining 5 months of 2020, i.e. another €500. He won't drive the car much, more wants the opportunity for some practise to gain experience.   Any other options here?  Since we are mid-year we cannot change insurer until end 2020.  Of course I know that young drivers are more expensive to insure but it's not as if he'd be the primary driver.
  6. Hi Guys! I just received a notification that my travel insurance back in my country (for staying in Germany for 7 months), doesn't cover pandemies (covid19). Does someone know if the German government is covering covid19 for everybody under some special condition? (a link would be great). I still have 1 month here, and no covid19 symptoms. Thank you,
  7. You’re always on time, you think of Angela Merkel as ‘Mutti’ and you’ve even found yourself craving currywurst (well, some of you). You think you’ve assimilated in Germany. But many expats have failed miserably with a vital ingredient for true integration: private liability insurance. (Haftpflichtversicherung). While not compulsory, it’s widely seen as essential protection against the risk of harming another person or their belongings; almost nine in ten Germans have it.    In partnership with Coya Insurance, The Local presents five pathetic excuses (we were being kind when we said ‘reasons’ in the headline) that explain why so many expats in Germany don’t have private liability insurance. Read the 5 reasons in FULL ARTICLE here.
  8. Dear,   I immigrated to Germany in 2018 and took Deurag Legal insurance with the help of a advertised broker here without any hesistation.  Due to some circumstance, I had to use legal insurance twice as plantiff for different matter. 1) I won and defendant paid 100% and 2) defendent paid 90% settelement out of court   After this, deurag sent cancellation letter that it will not renew subscription for next year (probably its typical) therefore I started looking for new legal insurance. I understand that getting new legal insurance with above history could be difficult and I am aware of waiting for 3-6 months cooling period.   I am seeking advice from expert or those who were in similar situation (Cancellation from previous insurer) and opted/accepted by different insurer and who are they?    Thanks and stay safe!
  9. Hi all the expats, hope all of you are well - I would highly appreciate any kinds of advice regarding to my insurance situation.   I posted once on the forum on the visa section - https://www.toytowngermany.com/forum/topic/387757-working-with-spouse-visa-freelance-income-from-outside-of-germany-part-time-student-visa/#comment-3826346 - I am now trying to start working as the freelancer, after staying in Germany for few years with the spouse visa and working permit which was entitled by my freelance partner.   So am about to register my business, but one problem is the insurance. I have been covered with my partner's statutory insurance (TK) as a family member, by free. As I am going to earn higher salary than limited mini-job amounts which is allowed to the family insuranced member, am afraid that I will be simply kicked out from the coverage immediately.  (Unfortunately, I have no plan to have a client from Germany for my freelance works, at the moment - but trying best to get it. )   To make the situation worse, we have a plan to divorce in near future, possibly in a year.    So what would be my next, clever move considering this insurance situation? Looking for reasonable private insurance?  (|For me this option sounds the most unrealistic, as I estimate that with my freelance works I would be able to earn just ca. 1500 euro per a month) Or in any chance am I eligible to be covered by statutory insurance with the change of cost, before/after the divorce?    For your information, we have daughter who are also covered with his family insurance.    Thank you so much in the advance : )