Family and children

Consumers: Which insurance couples can do without

Summary

Hamburg (dpa / tmn) – If couples put their household together, there is definitely potential for savings in insurance, as the Association of Insured in Henstedt-Ulzburg near Hamburg explains. Because some contracts can be terminated without any problems. Three policies […]

Consumers: Which insurance couples can do without.  For couples, things change when it comes to insurance when they share a household.

Hamburg (dpa / tmn) – If couples put their household together, there is definitely potential for savings in insurance, as the Association of Insured in Henstedt-Ulzburg near Hamburg explains. Because some contracts can be terminated without any problems. Three policies that matter:

– Personal liability insurance: If both partners had such a policy, the most recently concluded contract can usually be canceled. Important here: If the contract that is to remain in place was concluded as a single tariff, most insurance companies will convert this to a family policy and recalculate the premium. If the remaining contract already includes a family policy, the premium does not change.

– Household contents insurance: Two separate household contents insurance policies are also not necessary if a couple moves in together. The insurer with the newer contract is usually ready to cancel it. Otherwise, only the ordinary termination remains – this must be made no later than three months before the end of the insurance year. The sum insured should be checked and adjusted to the value of the common household items.

– Term life insurance: In order to be sure that your partner is cared for after one’s own death, term life insurance makes sense. This is especially true when children live in the household. Protection is also important if there are still loans to be paid off. If an existing term life insurance is brought into the partnership, the subscription right should be adjusted.

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