Better conditions for policyholders of 2009 who is not satisfied with his insurance, getting through the new insurance contract law to solve 2009 better conditions from his contract. The termination conditions not only for new customers but also for old customers will improve significantly with the new insurance contract law in 2009 and the change in other insurance will be easier.In future, you should look at your insurance company on the following things. Duty: As a customer you must be better informed in future by your insurer and your broker before taking out insurance. To have the insurance conditions must exist before conclusion of the contract you, before the application is made and signed. So far, there was this information only after conclusion of the contract with the police. Revocation: As a customer you have a cooling off period of 14 days and life insurance even up to 30 days after conclusion of the contract.
This period begins as soon as you have the insurance policy, the contract conditions and the written revocation. e come to the same conclusion. Duty of disclosure: Up to date an insurance company could withdraw even years after conclusion of the contract a contract, if you have concealed facts from ignorance at the conclusion. According to the new insurance contract law, the insurer, you must call only the circumstances which are obtained in writing upon completion of the. Terms and cancellations: Contracts which a longer time period (E.g. 10 years) may have now already no later than the end of the third year to be terminated. This was previously only at the fifth year. Increased contributions or in the event of a damage, policyholders have a special right of termination.
Contribution increases must be notified at least one month in advance by the insurance companies. Gross negligence: formerly an insurance company in the event of a damage could withdraw from the performance, if a gross negligence has been assigned to the policyholder. According to the new insurance contract law this is no longer the case. Should a rough Negligence be determined, so to cut the line of insurance to the severity of the negligence.
Sale-and-lease-back polished up the balance sheet and creates liquidity Munich, 10.3.2009 – who wants to finance investment or growth of a loan today, is not just preaching to the choir with the banks”, Patrick G. Weber, Managing Director of the operative leasing companies of Vantargis says group. The Munich group of companies offers alternative approaches and puts companies in order to generate liquidity from existing resources. If anything, there is”the credit thanks to Basel II and financial crisis mostly to high-interest, know Weber. But where will the money for the company’s growth come then? The solution is often found in the company itself.
On the assets side of the balance sheet reveals the solution: in real estate and machinery bound equity can be used nowadays easily thanks to sale-and-lease-back. Sale-and-lease-back will bring liquidity and game room the company sold initially used, mobile assets and least it back then. Especially This alternative is a smart way to improve liquidity for the manufacturing industry. Because the sale-and-lease-back is mobilized assets; It allows a liquidity and income sourcing from the substance of the company. Often one can discover also significant hidden reserves from capital gains. Or the object is purchased at book value. The risk for both sides is low, because the high value falls by new machines are no longer relevant.
The cash inflow from the sale proceeds and achieved extraordinary income open up broad new leeway companies”, explains Patrick Weber. Sale-and-lease-back is also tax advantages. Perhaps check out Eva Andersson-Dubin for more information. Because the leasing costs can be as operating expenses tax claimed, which is not the case with the Tilgen loans. So, the monthly leasing fee reduces the profit and thus the taxes to be paid. This financing instrument has analogies to a repayment loan, bringing the Take a number of additional advantages”, says Weber. The necessary loan guarantees remain untouched, the balance sheet total low and get the credit. In addition, we ensure a quick funding without long processing and decision-making times at Vantargis.” Profile Vantargis AG Vantargis AG is the independent German less for the upper middle class. The range consists of leasing, factoring and debt solutions, as well as selected corporate finance services. The focus is on medium-sized owner-managed companies. The Vantargis group currently comprises AML’s medium-sized leasing companies Leasing GmbH, Sigma Leasing GmbH, and active) lease Vantargis finance GmbH and the factoring company Vantargis factoring GmbH. Also provides the Vantargis Wabeco finance GmbH consulting services regarding public funding and grants. Questions and additional information: Vantargis AG Widenmayerstr 28 80538 Munich Sebastian Seibold Phone: 089 2429373-17 E-mail: Web:
Uelzen all-round protection for dog and owner off good reason always put more dog owners value a sound education her pet. Nevertheless, the dog remains a living being driven by his instincts, whose behaviour we can never predict with absolute certainty. Luckily it is often lightly, if the dogs suddenly jumps on the street, something to stormy welcomes his master or at play an injury extends to. A dog insurance policy helps in the other cases, which are not so easy for the pet and its master. A dog insurance policy must be not expensive even small accidents can be costly but not to mention the case, if personal injury or property damage then but even bigger turn out. In addition to the dog liability insurance, that should be self-evident for every dog the Uelzener an all-round carefree package from various pet insurance for dog owners quasi offer insurance at a surprisingly affordable price.
The dog insurance HundeSicher Plus”includes an OP insurance for the four-legged Chair with injuries or illnesses an accident hospital per diem rates for the pet owners and dogs insurance. As a valuable additional service is a first legal advice on the phone with legal problems related to the pet. “” HundeHaftpflicht to measure at the Uelzen pet insurance who in addition the HundeHaftpflicht premium “or HundeHaftpflicht premium PLUS” chooses, can save not only money, but also the special insurance services of Uelzener pet insurance take for his pet claim. Among other things, the inclusion of damage to rented property and a comprehensive insurance protection include also then, when the dog not on a leash. More information under: Veersser Strasse 65-67, 29525 Uelzen, Uelzen insurance, Tel. 0581 8070-0,