Funk Private Insurance Products

Funk Privat supports you in the targeted analysis of your insurance needs and in the development and ongoing management of tailor-made premium concepts.

Our services at a glance

• Comprehensive market research and selection of suitable insurers
• Assessment of the financial strength and performance of providers
• Optimal price-performance ratio for your insurance premiums
• Complete handling from contract drafting to claims settlement
• Consulting, brokerage and support in all areas of private insurance
• Market tenders for special insurance solutions

Private provision is more important today than ever before

Solid private pension provision is essential for long-term financial security. High achievers with qualified training and incomes above the contribution assessment ceiling have a particularly high need for pension provision. We offer personal, independent advice with a view to providing a comprehensive range of services for your security and that of your family.

Home contents insurance

Whether you own or rent your home, home contents insurance protects your furnishings, clothing, appliances, valuables and work equipment. It is one of the most important forms of insurance for your livelihood. With all-risk coverage, you are comprehensively protected against burglary, fire, tap water, storm/hail, glass and natural hazards, as well as simple theft or loss.

Residential building insurance

Residential building insurance protects your home against unpredictable risks such as fire, lightning strike, explosion, tap water, burst pipes, storm, hail and natural hazards, thereby safeguarding you against financial losses that could threaten your livelihood. Glass breakage can be optionally integrated into your contents and residential building insurance. This offers insurance cover against glass breakage for building and furniture glazing.

Personal liability insurance

Anyone who negligently or carelessly damages, destroys or injures a person or property must, according to the law, pay for the damage – in some cases for the rest of their life. Private liability insurance is therefore a fundamental part of securing your livelihood. Funk designs your private liability insurance for different areas of life such as work, sport or leisure, and also takes into account other potential risks, such as keeping animals.

Home and property owner liability

Anyone who owns or rents residential property can take out home and property owner liability insurance to protect themselves against financial claims from third parties for personal injury or property damage that has occurred on their own home and property. The cover includes, for example, liability claims against the owner if they forgot to grit the pavement in front of their house when it was slippery and someone was injured as a result.

Principal’s liability insurance

Principal’s liability insurance protects against third-party claims arising from a private building project. The public liability insurance held by the construction company executing the project does not automatically cover the principal from third-party claims, and not in every case. For example, third-party claims against a principal may arise if the building site has not been properly secured and passers-by or those working on the site are injured as a result.

Pet liability insurance

Pet liability insurance covers all third-party claims arising from the actions of your dog or horse – for example, if your dog breaks free from the lead and causes a road accident or injures another animal. In individual cases, other domestic animals may be included in the pet liability cover upon special agreement.

Vehicle liability insurance

Vehicle liability insurance protects the policy holder, driver and registered keeper of the vehicle against both justified and unjustified liability claims involving the vehicle. Optional fully comprehensive or partially comprehensive insurance additionally covers anything that may occur when using the vehicle, such as damage, destruction or loss. Other optional components of a personalised vehicle insurance solution include motor passenger personal accident insurance, motorist's legal protection insurance and vehicle accident and breakdown cover.

Accident insurance

Accident insurance compensates your financial losses in the event of disability and loss of earnings after an accident – regardless of whether the accident was the result of a third party’s actions or your own negligence. With accident insurance, you do not have to face financial hardship as a result of an accident.

Legal protection insurance

Legal protection insurance covers your solicitor’s fees, court costs, enforcement costs and other expenses that you may be charged (such as the other party’s legal expenses) in general legal proceedings. With legal protection insurance, you can rely on expert advice and support if a dispute arises and protect your claims even in complex cases.

Construction insurance

Unpredictable damage caused by storms, flooding, vandalism or construction defects can jeopardise a building project. Construction insurance protects builders from financial losses during new construction, renovation and extension work and ensures that the project is completed. Among other things, the insurance covers damage caused by natural events, glass breakage, theft of permanently installed parts, negligence and vandalism.