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Umziehen RV: How to Optimally Adjust Your Insurances!
Moving house is exciting, but it also involves a lot of organisation. Don't forget to adjust your insurance policies! R+V offers various options to adapt your home, liability, and other policies to your new life situation. Need help with adjusting your insurance? Contact us for personal advice.
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Moving house is exciting, but it also involves a lot of organisation. Don't forget to adjust your insurance policies! R+V offers various options to adapt your home, liability, and other policies to your new life situation. Need help with adjusting your insurance? Contact us for personal advice.
Moving house is exciting, but it also involves a lot of organisation. Don't forget to adjust your insurance policies! R+V offers various options to adapt your home, liability, and other policies to your new life situation. Need help with adjusting your insurance? Contact us for personal advice.
Moving house is exciting, but it also involves a lot of organisation. Don't forget to adjust your insurance policies! R+V offers various options to adapt your home, liability, and other policies to your new life situation. Need help with adjusting your insurance? Contact us for personal advice.
Planning a move? Find out how to adjust your R+V insurance on time, what deadlines you need to be aware of, and how to avoid unnecessary costs. Get informed now!
A move is a significant event in life that not only brings logistical challenges but also affects your insurance. At R+V Insurance, we understand that your needs may change with a new location. Therefore, it is important to review and, if necessary, adjust your existing insurance policies to ensure you continue to be optimally protected. We at GoMovin want to stand by your side as your partner for a stress-free move and help you keep track of everything.
A move impacts your insurance, as your risk profile may change. The size of your new home, the location, and the existing security measures all play a role in assessing the risk. It is therefore advisable to adjust your home contents insurance, liability insurance, and, if necessary, your legal expenses insurance.
Below, we provide you with a comprehensive overview of what you need to consider regarding your R+V Insurance during a move. From adjusting your home contents insurance to re-registering with authorities and offices – we guide you step by step to ensure your move goes smoothly and you remain optimally protected.
R+V Household Insurance: Secure Moving Protection and Adjustment
The R+V Home Contents Insurance also provides you with optimal protection during your move. Your insurance sum must be adjusted to the size of the new apartment to ensure that your household contents are adequately insured. The Home Contents Insurance from R+V adapts to your current needs during the move. It is valid at your new residence and remains effective for two months after moving out of the old apartment, provided you have informed R+V of the moving date.
It is important to adjust the insurance sum to the size of the new apartment. An insufficient insurance sum can lead to underinsurance in the event of damage, where R+V does not cover the full extent of the damage. Conversely, a sum that is too high results in unnecessarily high premiums. Use the online portal "Meine R+V" to easily adjust your insurance, or contact the R+V service centre on 0800 533 1111.
The Home Contents Insurance covers damage caused by fire, water mains, storm, hail, and burglary. It is advisable to regularly review and, if necessary, adjust the insurance sum to ensure that your household contents are always adequately insured. Further information on the Home Contents Insurance can be found here.
Change of address with R+V: How to report your move correctly
The change of address with R+V Versicherung is straightforward and can be done in several ways. You can conveniently update your address through the "Meine R+V" online portal. Here, you have the opportunity to update your personal data and adjust your insurance contracts. Alternatively, the R+V service centre is available at the phone number 0800 533 1111. The staff will happily assist you with the address change and answer any questions you have regarding your insurance.
It is important to make the address change in a timely manner so that you receive all important information and documents from R+V. A delayed address change might result in missing important mail or facing difficulties in claims processing.
R+V Versicherung offers you various options to perform your address change. Choose the option that suits you best and ensure that your information is always up to date. Remember that a correct address change is the basis for smooth communication and swift claims processing.
Changing your registration made easy: A checklist for authorities and offices
A move comes with numerous re-registrations. To ensure you don't forget anything, we've put together a comprehensive checklist for you. Within two weeks of the move, you need to register with the residents' registration office. Failures to do so can result in fines of up to 1,000 EUR, although minor delays are often tolerated.
The vehicle registration office must also be informed of your move to re-register your vehicle. The tax office also needs your new address, which you should ideally provide via email including your tax number. Don't forget to inform your banks and building societies of your new address.
Utility companies such as electricity, water, and gas providers need to be informed of your move, too. Share the meter readings and adjust your contracts. Inform your telephone and internet provider of your move as well. Check if your tariff is available at the new location and, if necessary, exercise your special termination rights. You can find a helpful checklist to tick off for all moving phases here.
Make rental deposits flexible: R+V Guarantee as an alternative
The R+V Insurance offers an attractive alternative to the traditional cash deposit with the rental guarantee bond. Instead of depositing a large sum as a security deposit, you can take out a bond and maintain your financial flexibility. This is particularly advantageous during a move, as you can use the money for other important expenses.
Changing your address is made easier by the online ID function of your identity card. Many authorities now offer the possibility to change your address online. As proof of the move-in date, you will need a landlord’s certificate.
The R+V rental deposit allows you to maintain financial flexibility by replacing the traditional cash deposit with a bond. A rental deposit is often a significant financial burden. The rental guarantee bond from R+V provides a welcome relief here. Further information about the rental deposit and change of address can be found here.
Insurance Checklist: Adjust Policies Before Moving
Before the move you should review and adjust your insurances. The home contents insurance should be aligned with the value of your possessions in your new home. Also, check your liability insurance to ensure you are adequately protected in your new living situation. Adjust the coverage of your legal protection insurance if necessary.
Don't forget to notify your car insurance provider of your new address. You should also review your life and pension insurances and, if necessary, adjust the beneficiaries to match your current life situation (marriage, divorce, family).
A comprehensive insurance check before the move helps you minimise financial risks and ensures you are optimally protected in your new home. Take the time to review and, if necessary, adjust your insurances. R+V Insurance is happy to offer you advice.
Flat Share Move: Tailored Insurance for Optimal Protection
When moving into a shared flat, it is important that each resident is individually insured. Check whether your parents' household insurance applies or if you need to take out your own household insurance. Every flatmate should have their own liability insurance to be covered in the event of an incident.
A joint household insurance for the entire flat is often not sufficient, as it only replaces the current value of the damaged item in the event of a claim. In contrast, individual household insurance covers the replacement value.
The liability insurance protects you from financial losses you may cause to others. In the event of a claim, the insurance covers the cost of repair or replacement of the damaged item. Ensure that your liability insurance also covers damages caused by gross negligence.
Retirement planning when switching banks: Keep an eye on Zurich DB Fondsrente
When switching banks, you should also keep an eye on your retirement provision. The integration of a Zurich DB fund pension into DKB online banking is not possible. However, Zurich offers its own customer portal for managing your fund pension. The DKB insurance manager does not support the integration of external pension insurances.
It is important that you continue to monitor and regularly review your retirement provision even after changing banks. Ensure that your data is always up to date and that you receive all important information and documents from Zurich.
Even though integrating your Zurich DB fund pension into DKB online banking is not possible, you still have the option to conveniently manage your retirement provision through Zurich's customer portal. Take advantage of this opportunity to ensure your retirement provision is optimally set up after the bank switch. Information about switching banks in the context of an R+V insurance can be found here.
Planning a move and adjusting insurance: How to ensure a smooth transition
A move is an exciting but also stressful time. With the right planning and preparation, you can conduct the move without stress and ensure that your insurances are optimally adjusted. Take the time to review and adjust your insurances if necessary. R+V Insurance is happy to provide you with advisory support in this regard.
Inform R+V about your move in a timely manner and make the necessary adjustments. Use our checklist to keep track of all re-registrations and adjustments. Ensure that all necessary insurances are adapted to your new life situation.
With the right planning and preparation, the move goes smoothly and you can settle comfortably into your new home. We at GoMovin are pleased to assist you with your move and help you stay organized.
Key Benefits of Planning Your Move
Here are some of the key benefits you'll gain:
Reduced Stress: Proper planning minimizes unexpected issues and stress during the move.
Cost Savings: Avoiding last-minute decisions and ensuring insurance coverage saves money.
Peace of Mind: Knowing everything is taken care of allows you to focus on settling into your new home.
A move coming up? We at GoMovin simplify the moving process and make international relocations stress-free, efficient, and tailored to your needs. We offer an all-in-one solution for international moves with personal consultation, legal support, property services, and cultural integration. Contact us today to start your personalized consultation and make your move stress-free.
Further useful links
The R+V Versicherung provides further information here and the opportunity to customise your contents insurance in the "Meine R+V" customer portal.
The R+V Versicherung offers a checklist for all moving phases to facilitate the relocation.
The R+V Versicherung informs about the rent deposit guarantee as an alternative to a cash deposit and provides guidance on re-registration.
On the page of GDV (Gesamtverband der Deutschen Versicherungswirtschaft) you will find general information about the insurance industry.
FAQ
What do I need to consider regarding my R+V home contents insurance when moving?
Your R+V home contents insurance adapts to your needs and also applies at your new place of residence. It is important to adjust the sum insured to the size of the new apartment to avoid underinsurance. Please inform R+V promptly about the moving date.
How do I report my change of address to R+V Insurance?
You can easily provide your new address through the "Meine R+V" online portal or contact the R+V service centre at 0800 533 1111. Updating your address in a timely manner is important to ensure you receive all necessary information.
Which registrations are mandatory when moving?
You must register at the residents' registration office within two weeks of moving. The vehicle registration office and the tax office also need to be informed. Failure to comply can result in fines.
What is the R+V rent deposit guarantee, and what are its benefits?
The R+V rent deposit guarantee is an alternative to the traditional cash deposit. It maintains your financial flexibility, as you do not have to deposit a large sum as a security deposit.
How does changing banks affect my R+V retirement plan (e.g., Zurich DB fund pension)?
Integrating a Zurich DB fund pension into the online banking of a new bank (e.g., DKB) is generally not possible. However, Zurich offers its own customer portal to manage your fund pension.
Which insurances should I review and adjust before moving?
Review your home contents insurance, liability insurance, legal protection insurance, and car insurance. Adjust the sum insured and coverage areas to your new living situation.
What should be considered regarding insurance when moving into shared accommodation?
Every flatmate should have their own liability insurance. Check whether the parental home contents insurance applies or if you need to take out your own home contents insurance.
Where can I find a checklist for all necessary steps when moving?
A helpful checklist for all moving phases, to check off, can be found here. This helps you keep track and ensure nothing is forgotten.
