Our methodology: risk before product

We prioritise by potential financial severity, legal obligation and personal circumstances. Commissions from partner comparisons do not influence this order.

Four review steps

First, the risk is described. Next, we look at existing cover and what you can bear yourself. Only then do we turn to cover features and external market offers.

• Risk and maximum loss
• Existing cover and overlaps
• Cover criteria and exclusions
• Price comparison last

Limits

Our tools provide initial guidance and do not replace legal, tax or individual insurance advice. Health questions, high-value assets or complex family situations may call for professional advice.

Ranking in the Verivox comparison

Verivox, not us, decides which tariffs appear in the embedded comparison and in what order. We have no influence on this and neither pay nor receive anything for a particular position. Verivox explains the main sorting parameters and their weighting in the comparison itself; you can usually change the sorting there yourself. Not all providers on the market are listed with Verivox.

How our content is produced

We also use AI tools for research, structuring and wording. Every page is read and checked by our team before publication, and we back up facts, deadlines and legal provisions with the sources given. This check is editorial, not legal advice. Editorial responsibility for all content lies with Ludger Jungeblut (see legal notice). Images created with AI are labelled as illustrative images.