Text form is enough, and sending it in time is what counts. What matters is complete documents and the withdrawal notice.
Read moreUnderstand and compare insurance
The right cover, simply compared.
Choose your insurance and compare cover and premiums. We start with your situation in life – not with the longest list of policies.
- Major risks firstCover where a loss could hit you hard financially.
- No sales pressureNo sign-up, no calls from us.
- Sourced informationDeadlines and rights with references to the Insurance Contract Act (VVG).
A service of Thinkstars GmbH – from the team behind Strom-Guenstiger.de and Gas-Guenstiger.de.
Tariff comparison
The comparison and application process are provided by Verivox. Thinkstars GmbH does not broker or advise; if you sign a contract, it may receive a commission. Learn moreTariff data from
For youFree & without obligation
FundingCommission only on sign-up – disclosed
Editorial teamTim & Max Jungeblut
How it works
Three steps to your tariff comparison.
- 01
Work out your needs
In three questions, the needs check sorts out which cover may be relevant to your situation – and which probably is not.
- 02
Compare cover
Check cover, excess and premium side by side in the Verivox comparison.
- 03
Sign up online
Verivox handles the sign-up as an insurance broker; your contract partner is the insurer. The statutory 14-day right of withdrawal applies.
Needs check
Start with your situation.
Three questions, an order of priority straight away. Guidance, not individual advice.
Start with your situation3 questions
How do you live?
Who lives with you?
Does this apply? Select all that apply
Check first
- Personal liabilityPriority
- Household contentsCheck
- Legal expensesOptional
Guidance, not individual advice.
Insurance
All topics Types of insurance at a glance
Personal liability
Claims for damages that could ruin you
ViewHousehold contents
Replacing your belongings after a major loss
ViewLegal expenses
Selected areas of law and costs
ViewBuildings
Your house as a key asset
ViewCar
Compulsory liability and the value of your own vehicle
ViewPet owner liability
Liability risks from a dog or horse
ViewWho is behind it
Tim JungeblutFounder
Max JungeblutCo-founder & head of salesMore about us
From the makers of Strom-Guenstiger.de.
Tim Jungeblut founded Strom-Guenstiger.de and Gas-Guenstiger.de while still at school, with one aim: to make it easy for people to lower their running costs. Schutz-Günstiger applies the same idea to insurance.
Tim JungeblutFounderFounded Strom-Guenstiger.de and Gas-Guenstiger.de while still at school.
Max JungeblutCo-founder & head of salesHas helped build the portals from the start and is responsible for sales.
What you are entitled to
All rights at a glance The law says more than your policy does.
The German Insurance Contract Act (Versicherungsvertragsgesetz, VVG) puts figures on what applies to withdrawal, premium increases and after a claim. The key deadlines and conditions – with a reference to the relevant provision.
If the application was only slightly negligent, the insurer cannot withdraw from the contract. If the premium rises by more than this, you may cancel.
Read moreSpecial right of cancellation for a premium increase without additional cover.
Read moreIn property insurance, the insurer also has the right to cancel after an insured event – deadline: one month after the claim is settled. For liability insurance, § 111 VVG applies.
Read more
Clarity before you sign.
How we assess
When your life changes
New situation, new needs: what to check at the big turning points.
Photo: Jakub Żerdzicki / Unsplash First home
Cover through your parents does not end straight away, but it does end. What you need now and what can wait.
Read the guide
Photo: Vitaly Gariev / Unsplash Moving house
Report your new address, floor space and insured location in time so contents and liability cover still fit.
Read the guide
Photo: Heike Mintel / Unsplash Starting a family
Less changes in property cover than you might think. What matters more is who depends on you financially.
Read the guide
Photo: todd kent / Unsplash Buying a property
Buildings insurance passes to you by law when you buy. Which deadline applies.
Read the guide
Photo: yahdi yasya / Unsplash New vehicle
Usually the policy is transferred. When a special right to cancel applies and what happens to your no-claims discount.
Read the guide
Photo: Martin Dalsgaard / Unsplash Dog or horse
As the keeper you are liable even without fault of your own. Why personal liability cover does not apply here.
Read the guide
Transparency
How we are funded.
Said openly rather than in the small print: how Schutz-Günstiger earns money – and what that means for the content.
Free for you
Using the site is free. Our calculators run in your browser, with no sign-up and no data trail.
Commission only on sign-up
If you sign a contract in a labelled Verivox comparison, Thinkstars GmbH may receive a commission.
Assessment separate from comparison
Editorial assessment, calculator logic and the order of content are not driven by commission levels.
Frequently asked questions
Quick answers.
What does Schutz-Günstiger cost me?
Nothing. It is free to use. If you sign a contract through a labelled Verivox comparison, Thinkstars GmbH may receive a fee. Our assessment beforehand is not ordered by commission level.
Who is behind Schutz-Günstiger?
Schutz-Günstiger comes from the same company as Strom-Guenstiger.de and Gas-Guenstiger.de: it is run by Thinkstars GmbH, based in Bad Zwischenahn. The portals were founded by Tim Jungeblut, who now runs them together with co-founder Max Jungeblut.
Is Schutz-Günstiger an insurance advisory service?
No. Schutz-Günstiger does not advise, does not broker insurance and is not involved in concluding contracts. The embedded comparison is provided by Verivox, which is registered as an insurance broker under § 34d GewO; you receive the statutory initial information there. Our content is general guidance, not insurance, legal or tax advice. What counts is always the terms and conditions and the product information sheet of the tariff in question.
What happens to the information I enter?
The needs check and calculators run in your browser, with no sign-up. Only when you start a comparison is technical data such as your IP address sent to Verivox. No Verivox content is loaded before that.
Ready to compare tariffs?
Free, without obligation and with our partner role disclosed.