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full year and still included in their parents

is the 18th Age achieved was to make, in principle, any thoughts on whether he is correctly protected. In particular, a personal liability insurance, disability insurance and a reasonable provision for sickness and old age are important. But not everything has to be equal for a complete their contract.

young adults living with their parents or are placed in training, there are some insurance policies of father or mother, often a free co-insurance. Can save money without sacrificing the important insurance protection.

Free in private liability policy parents

In a personal liability policy with parents of legal age, unmarried children are more generally insured. The requirement is that they are still in the school or directly adjoining first professional training, such as teaching or studying there.

Also allows a fixed age limit that is specified in the contract conditions have not been reached. In many policies, for example, is a co-insurance up to the age of 25 Year of life possible.

Short interruptions of training by military or civilian service, internships or waiting to play on a training course usually does not matter. If the age limit is reached or completed the training, the coverage ends for the young adult and he needs its own policy.

legal expenses cover at no extra charge

If a private legal expenses insurance of parents, adult children also further protection under this Treaty, if they are unmarried and a certain age, often the 25th Age, have not yet reached. In addition, the young adults may have no permanent means of professional activity for which a performance-based remuneration is paid to pursue.

The salary for a training or BAföG for the study is not considered performance-related pay. Children are insured, therefore, during the study and training. This does not apply to those who practice regularly in addition to a degree for a job to earn money for living expenses.

Caution: When traffic the legal parents is the Co-insurance not. If a child has its own driver's license or have your own transport, should be completed, a separate driver or car ownership a traffic protection.

own four walls

The above arrangements for co-insurance for personal liability and personal-legal-insurance apply irrespective of the rule on whether the adult offspring with their parents live or already has her own apartment.

different with the household insurance. The belongings of the children, even if they are of legal age is insured through their parents' household insurance, as long as they still live at home. Once the young but will fledge and moves, a separate household with a contract.

principle should any change in the situation to the insurance agent are reported. Only this will ensure that will be recognized as such even after moving, the end of training or age of majority from the possible risks and secured. In addition, some insurers offer additional possibilities of legal age to include in existing contracts or cost to secure.