John Gunn  |  Partner of CR & Cie

Independent insurance advice for Expats

let's keep insurance simple
Our team of independent financial advisors for Expats in Germany specializes in guiding Expats through the notoriously difficult German system, with comprehensive financial services and advice. We pride ourselves in providing truly independent financial advice of the highest quality, taking care to understand your culture and individual needs.

Choosing the right health insurance is a major challenge when moving to Germany. In addition, there are many other decisions about sensible insurances, such as income protection, 3rd party liability or company pension schemes. 

Why expats choose us?

Every expat who is or will be living in Germany will require financial advice in several fields, which are more often than not interlocked.

That's why, a fully comprehensive independent financial advice has to include all four areas if meant seriously: insurance, pension planning, mortgage and investment. Our holistic approach, in giving advice to our clients, includes a complete solution when it comes to financial services.

That's why hundreds of Expats trust us already.

Which insurances are necessary?

In Germany, there is a wide range of possible insurance policies. Two are compulsory by law, many make sense depending on your current life situation and some can be safely dispensed with.

In the boxes, we have made a rough prioritization of the insurances. However, the insurance should always fit your wishes and your situation. We are happy to help you with this. Arrange an individual consultation and we will go into detail about your wishes.

Compulsory insurances

  • Health insurance (private or public)
  • Long-term care insurance (if registered in Germany)
  • Car liability insurance (if you own a car)

You must have this cover by law in Germany

First priority insurances

  • Personal liability insurance
  • Occupational disability insurance
  • Term life insurance
  • Travel health insurance
  • Pension (e.g. company pension)

Second priority insurances

  • Legal insurance
  • Other liability insurance (e.g. pet)
  • Household (contents) insurance
  • Supplementary health insurance
  • Accident insurance

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