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The motorbike approaching

strikes with the first sunny days of the year the heart of every Bikers higher. The premium calculation for car insurance, however, could ruin your day. However, there are several ways you can reduce the contributions, sometimes drastically.

For in both the liability and in the hull can save you money. The premium is the case for many insurers from the region where the motorcycle is registered. Happen there more theft and / or accidents is rising, in the same extent, the insurance premium.

So can the contributions of one and the same bike differ by several hundred € - Depending on where the insured lives. If you live in an expensive region for which a provider is eligible to offer region-independent uniform tariffs.

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who rises only in the summer on his bike, runs on a seasonal characteristic much better. However, the bike at least six months to be registered for this to be considered with the no-claims discount and the percentage fall.

Young drivers can often come upon the insurer of the parents to enjoy a better rating. And who assured his motorcycle for the first time, this can make the claim bonus classified as a second car, if already an existing car, a car Police there.

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enigmatic cause of the fire

device in a parked car on fire due to unknown causes, then its holder can not be taken for damage claims arising from the spread of the fire to other vehicles or property. This was decided by the district court of Coburg (Az: 21 O 195/09).

A man had parked his recently with a new TÜV sticker marked car next to the trailer of another. About three and a half hours later, the car inexplicably caught fire.

unproven thesis

The fire spread to the trailer over and destroyed it completely. The caravan owner, who apparently possessed no third party insurance required by the motor vehicle liability insurer of the car holder, the replacement of the replacement cost value of the caravan in the amount of 6,500 €.

He claims his ground that the fire should be declared only that had developed during the trip by car a fire which later culminated into a flame and so had caused the damage to his trailer.

Because the police could not determine the cause of the fire and the car had since been scrapped, it was the plaintiff caravan owners not possible to prove his thesis. He was nevertheless of the opinion that the holder of the car, at least from the danger of operating his vehicle within the meaning of Section 7 paragraph 1 StVG (Road Traffic Act) liable.

No operation attributable risk

But the did not follow the Coburg district court. It dismissed the claim for compensation of the caravan owner as unfounded. The court concluded the fault of the car owner for lack of evidence from. But also a responsibility of operating risk, the judges could not be identified.

After all, the defendant had parked his vehicle came hours before the outbreak of the fire with the engine switched off and locked doors. "A causal Context of an accident with the operation of a motor vehicle is limited by the operation beginning and end of operation, "the court said.

from the vehicle the defendant was therefore not attributable to the operation of more danger. The applicant must therefore self-pay for his loss. The decision is now final. The Higher Regional Court of Dusseldorf was reached in September 2010 in a case similar to a comparable assessment. At that time there was about a truck parked in a hangar, which had fallen on fire for unknown reasons.

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Less than 570 € widow average

received in Germany in 2009, a total of just over 5.8 million citizens have an survivor . On average, the amount of benefits per recipients was 513 € per month. Widowers, orphans and young widows were even significantly less. This emerges from a recently released statistics Pensions Insurance (DRV) out.

The survivor pension is made up of large and small widow who full and half orphans education and pension together. Just under 4.9 million women received 2009, a large widow's pension is payable monthly average of 569 Euro. Over 9,000 widowed wife had to deal with the small widow's pension that is less than half the large widow's pension is satisfied. € 252 was the monthly pension for the approximately 540,000 widowers. A small widower pension received about 1,200 men.

conditions for the large widow's or widower's pension

Since 1 January 2002, the large widow's or widower's pension to 55 percent of the pension due to complete reduction of the deceased. For those who have married before that date or before 1 Born January, 1962, the old system is 60 percent. In the little widow's or widower's pension of 25 percent of the deceased are scheduled for complete reduction. has

entitled to the Widows 'and widowers' pension In principle, the remaining, if the spouse has died pension insurance law met the general waiting period of five years. In addition, should the widower or widow after the death of the spouse not remarry.

A large widows and widowers And only the surviving spouse, either the 45th Has reached the age, earning capacity is reduced or a child, not educating over 18 or disabled.

education and small widow's and widower's pension

All that the above conditions for a large pension for widows and widowers do not have to get a small widow's or widower's pension. The latter, however, granted for a maximum of 24 months after the death of the insured.

Less well known is the so-called education pension. Entitled to statutory pension insurance have only themselves to their marriage after 30 divorced in June 1977 and was the divorced spouse is deceased.

also must educate the remaining parent's own child, have not remarried and have met until the death of the divorced spouse of the general period of five years. Less than 1,000 people in Germany received in 2009 a corresponding survivor pension of 740 euros on average.

survivor's pension for children

This also surviving children have the right to an orphan's pension, they must be under 18 or with disabilities can not even pay for their maintenance. For children who are still in an educational or vocational training, a maximum age limit of a maximum of 27 years. must also have met the deceased, the general period of five years.

is basically the amount of the orphan's pension 20 percent and 10 percent of the half-orphan's allowance of the pension which would have been entitled to or the deceased at the time of death at a full disability. Additional charges are possible, the number of insurance records of the deceased or . Depend

entitled to a full orphan's pension has a child if no dependents requiring a parent is gone. 2009 received nearly 8,400 children a corresponding survivor pension of an average of 323 €. Almost 362 000 adolescents were given a half-orphan's pension of 156 euros, after a dependent parent responsible is deceased.

The right hedge

If you want to know exactly how much personal security of the survivors is concrete and how a supply gap is replaced by us help.

To a potential deficit between the current household income and the amount available to secure after a death, offers the insurance industry to various retirement products.

For those looking for a optmialen survivors protection according to the personal needs and situation, we recommend a comprehensive consultation.