Graham Waters Your insurance expert

If you are looking at insurance and investment issues in Germany then competent help is at hand. As a native English speaker who has worked here in these fields for many years I can help you find the solutions that suit your needs. One of our key areas of expertise is health insurance ( see below ).

But whether you would like to insure your car, your property, your business or your life, or are looking for investments advice we provide a one-stop solution for you.

We put special emphasis on personal service to help you find the right solutions now and also when you need to make a claim.

Looking for: contents, house, glass, luggage, travel and health insurance?

Or legal insurance as a tenant, in traffic, for job-related issues and as a consumer.

Interested in professional, private or animal liability insurances?

Want to insure your car, motorcycle or mobile home?

Interested in disability and retirement pensions, accident or life insurance? Trying to undertsand whether a 'Riester', a 'Rürup' or a company pension plan would better meet your needs?

Need investment advice?

Then we are here to help you.

Whether you are newly arrived or have lived in Germany for some time we can provide one-stop-shopping to meet your insurance needs, and discuss your requirements in English.

We have been providing these services to expats in the Rhine-Main area and beyond for many years and understand the problems and pitfalls facing newcomers.

We look forward to welcoming you to our office to meet us personally. Or we can use up-to date technology to present information and guide you through insurance issues in the comfort of your home or workplace.

We believe that setting up insurance marks the beginning of our cooperation with customers. Especially if you need to make a claim we are there to help you sort out the paperwork and streamline procedures.

Or if correspondence or bills are unclear to you just contact us. We will be happy to help you.

Index-linked contents insurance can provide cover for the current replacement value of your property in the event of damage caused by:

*Fire or explosion

*Lightning, hail or storm

*Burglary and subsequent vandalism as well as robbery with violence and theft of property outside the home, for example from locked hotel rooms, from bank safes and locked cars.

*Flooding

*Luggage insurance

*Extensive all-risk cover for precious items such as jewellery, camera equipment and musical instruments.

*Emergency services

In combination with building, legal and liability insurance we offer attractive discounts and you benefit from the following additional advantages free of charge.

Under German law you are held personally responsible for damage you cause to other people, their property and income. You are required to pay full compensation regardless of your financial situation. This can run into high figures so this kind of cover is very important.

Make especially sure that if you have young children they are covered when you set up the insurance.

In combination with building, legal and contents insurance we offer attractive discounts.

In Germany 1 in 5 members of the workforce are forced to stop working before pensionable age because of illnesses and accidents resulting in long term disability.

The causes can range from accidents in the home or while driving through to chronic back pain and psychological conditions such as depression and burn out.

The result can be a massive drop in income and living standards which is often seriously under-estimated. Accident and disability insurance can close this gap.

After health and liability insurance disability cover is rated by consumer protection organisations as an absolute MUST.

This important issue is complex. We will be happy to advise you personally and look for solutions tailored to meet your individual needs.

Especially if your command of German is not too strong you might like to seriously consider taking out this kind of insurance. In the event that you are involved in a legal dispute for example with your landlord, the authorities, another car-driver or the police - all the discussions and correspondence will almost certainly be in German. And, if you are involved in a traffic incident abroad in French, Greek, Portuguese or whichever language is spoken in the country you are travelling in.

While you may be in the right, getting your interests recognised can be a long and expensive process with no certain outcome. Legal insurance is designed to take the financial worry out of this process.

The insurance covers a broad spectrum of issues where you need legal counselling and support at home and world-wide.

If you are self-employed you will need appropriate legal cover for your professional activities.

In combination with building, contents and liability insurance we offer attractive discounts.

It is essential to give health cover top priority. For all permanent residents in Germany, health insurance is mandatory. To conform with regulations it has to include:

-Mandatory nursing insurance.

-The company has to have a representation in Germany .

-The insurance contract must contain an assurance that it cannot be cancelled because of health issues once the patient is insured.

-Reserves of at least 10% must be levied to stabilize premiums on retirement.

All these requirements are met by Allianz private health insurance. Failure to get compliant health insurance set up in a timely way can result in fines being levied.

If you are working here as an employee earning a fixed salary above 64.350,00 € Euros per year in 20201 you can opt for health insurance in the public or private system.

The German Finance Service Institute (DFSI) tested private health insurance providers on service and premium, and financial strength. Allianz was nominated 'Best Private Health Insurance' .

Choosing health insurance is a complex issue and it is advisable to seek competent advice to ensure that the cover you have is right for you. I am specialised in the field of private health insurance. I will take you step by step through the process of getting the right health insurance cover to meet your needs.

International Stammtisch is a regular after-work party aimed at the English-speaking international community in Frankfurt Rhein Main. During the event information about the best Frankfurt and the region has to offer - museums, culture, music and international clubs is presented. For more details, dates, times and to register for the event please check the website : http://www.english-theatre.de/programme/stammtisch/

International Stammtisch is an initiative of the city of Frankfurt, the Frankfurt Chamber of Commerce, the English Theatre, Frankfurt International School, ISF Internationale Schule Frankfurt-Rhein-Main, Deutsch-Britische Gesellschaft e.V., the Regional Verband FrankfurtRheinMain and Newcomers-Network.de

Distance is no object using our online advisory system. Enjoy total transparency during discussions about your insurance issues. Watch price calculations, presentations and films live on your computer screen or mobile device - while we talk. Benefit from the advantages of online meetings from the comfort of your home or office. Simply contact us directly by mail, or by phone to arrange a live online meeting.

Entfernungen spielen keine Rolle mehr dank unserem Online-Beratungssystem. Genießen Sie absolute Transparenz in Gesprächen zu Ihren Versicherungsthemen. Sie können Preisberechnungen, Präsentationen und Filme live auf Ihrem Computerbildschirm oder mobilem Gerät verfolgen, während wir miteinander reden.

Nutzen Sie die Vorteile von Online-Meetings bequem von zu Hause aus oder im Büro. Am besten vereinbaren Sie einen Termin per E-Mail oder telefonisch.