Protection after financing
The right cover after your mortgage
These insurances protect you against the biggest financial catastrophes, and some are a precondition for the loan to be granted.
Integrated into your mortgage
These covers protect against the biggest financial catastrophes, and some are a precondition for the loan. I help you find the right balance between protection and cost.
Protecting your income and family
Risk life insurance (RLV)
Family protection
If a main earner dies, the financing can collapse. RLV pays a fixed sum to immediately settle the remaining debt. Tip: use a decreasing sum insured that falls with the loan balance, this saves significant premiums.
Disability insurance (BU)
Income protection
The risk of becoming unable to work before retirement is almost 25%. The statutory pension is never enough to service a loan. The disability pension should cover living costs plus the loan rate.
Protecting the property (object cover)
Buildings insurance incl. natural hazards
Object protection
Protects against fire, water, storm and hail. The natural hazards module is an absolute requirement for almost every bank before the loan is paid out.
Homeowner & landowner liability
Object protection
Essential if the property is let or an undeveloped plot must be covered. For owner-occupied property, private liability insurance is usually sufficient.
Secure your home and family
No fees for advice, comparison, check-up and optimisation. Let's review which cover you really need.