Which insurances are useful?

sounds mysterious :rolleyes:

Sounds like: "more information is not necessary to understand the matter"

Why is the internet insurer cheap? Because it is cheap, without service, picky in case of damage.
We are with an independent broker. Criterion, insure us affordably, not cheaply, not maximum, but affordably. Where, it doesn't matter. If something happens, he takes care of everything. Recently had an accident with a Dane, who was at fault, broker arranged everything with Copenhagen, car is intact again. That’s convenient. Karsten

That’s how it should be. But from my own experience with an insurer with a broker, etc., who used to be very good in service, I no longer see it so clearly. They suddenly outsource the handling as well. If I hadn’t spent at least 10 hours on the phone, I would have only gotten a rental car 3 days after the accident and the repair would have taken not 2 weeks but 3.5. After that, it was clear that I don’t want to pay dearly for bad service.

Is an RLV generally required from a certain credit amount, or is there discretionary scope or is it optional?

We never had to necessarily take out the RLV for our two financings in life. The banks were always satisfied with the house as collateral.

The forum-internal search "Versicherungen" may also lead to many insights. Or what do you say to that ?