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Vektorgrafik mit menschlichen Figuren und Autounfall

Car Insurance: Compulsory for all Vehicle Owners

Motor vehicle liability insurance is compulsory in Germany , but not all policies are equally good. As damages caused by car accidents often run into the millions, you should make sure that your cover is high – preferably 100 million euros.

Die Grafik zeigt Verträge, die auf einem Tisch neben einem Computer liegen.

Fairer Contract Act: More Protection Regarding Costs and Terms

Contracts for smartphones, streaming services or music lessons: In March 2022, a number of regulations came into force that ensure greater consumer protection. This is a summary of the law’s most important aspects.

Menschliche Figur am PC sucht Vertrag aus

How to switch electricity and gas suppliers

Switching suppliers is simple and transition usually smooth. However, finding a suitable supplier is not always easy. The following article will show you how to proceed.

Jemand schaltet den Fernseher über die Fernbedienung an.

Asylum seekers do not have to pay German broadcasting fees

Asylum seekers living in shared accommodation do not have to pay the German television and radio licence fee ("Rundfunkbeitrag"). Those who live in their own apartment and receive certain benefits can be exempted from paying the fee.

Smartphone

Cell phone contracts: What you should pay attention to

Be careful of a too fast contract conclusion: Especially refugees should take note, to what they commit by concluding a contract.

Ordner mit vielen Unterlagen

Checkliste - Insurance

Read here which insurance you urgently need in Germany.

Schimmelflecken an der Wand

Checklist: How can you save energy and avoid mould?

In every country, the general conditions for using energy are different. Here's a small overview of what even people who've lived in Germany for a long time keep asking.

Mann sitzt am Schreibtisch und liest ein Anschreiben eines Inkassounternehmens

Collection Letter Checklist

A letter arrived from a debt collection agency. These are companies that collect debts for other people. They want money for an outstanding invoice and collection costs on top of that. Do you have to pay for it? Let's see!

Verbraucher:in schaut skeptisch auf ihr Mobiltelefon

Mobile communications checklist: How to find the right telephone tariff

With the help of this checklist, you can note down important things that can help you make a decision about the right telephone contract or tariff. You can then also take the list to the shop or fill it out with a person you trust.

Bahn am Bahnhof

New in Germany? Getting around by bus and train

Not only newcomers to Germany often find it difficult to get around on buses and trains. That is why the Consumer Organisation has put together the most important tips.

Ein Mensch steckt eine EC-Karte in einen Geldautomat

Bank account for refugees

A bank account has become indispensable for many everyday transactions in Germany. Therefore, the law stipulates that everyone has the right to open a payment account with basic functions: the basic bank account ("Basiskonto").

Haustür Vertreter

Doorstep selling: Language barriers are often exploited

Salespeople take advantage of language barriers and consumers’ inexperience.

Widerruf: Rückgabe gekaufter Ware

Tips for successful withdrawal

You have bought something and are not completely satisfied with your purchase? Do you want to return or exchange the purchased products? You may have a right of withdrawal and can terminate the contract. This is possible for most online purchases.

Kreditkarte am Laptop

Shopping on the Internet

How do you know if you can trust an online retailer? What can you do against subscription traps when surfing with your smartphone? And what should you look out for in "free" offers?

Urheberrechtsberatung

Copyright checklist

Would you like to watch films on the Internet? Would you like to download computer games on the Internet? Do you want to download music and audio books on the internet? What happens if you receive a warning? Find out what is prohibited and what you can do.

Verbraucherin sucht online Kreditkarte

Free credit cards online: caution when it comes to promises in adverts

Has someone called you to offer you a free credit card? Did you find "instant credit" or credit "without a credit investigation" on the internet? It might seem appealing but could end up being expensive for you. Our tip: Be cautious when it comes to offers you find online.

Inkasso-Forderung bekommen

Collection claim: What should I do?

Have you unexpectedly received a collection letter? Are you feeling under pressure and are you worried about further consequences? The most important thing is to stay calm. The bailiff won’t be knocking on your door tomorrow. Here is what to do:

What is a basic account?

Every consumer has a claim to an account used for payments with basic functions (basic account), including homeless people, asylum seekers and people who are tolerated.

Ein Mensch steckt eine EC-Karte in einen Geldautomat

What you should know about bank giro accounts

Everyone who wants to participate in the economic life cannot renounce a giro account.

Burek

When is a product "Halal"?

There are no uniform standards, when a product can be called „halal“. Seldom it is clear what criteria underlie.

Kantine Essen Kinder

Tips for meals, that do justice to miscellaneous food cultures

Dining together connects people and can dismantle barriers. Food, that pleases various cultures is possible. We gathered some tips and hints.

Flüchtlingshelfer

Insurance cover in the refugee aid

As with other volunteer activities, "refugee workers" enjoy automatically and for free the protection of the statutory accident insurance. In case of a private commitment the federal state will usually help you.

Gesundheitskarte

Medical care for asylum seekers

There are some specialities for refugees, which differ from the regular supply within the state-mandated health insurance or the private health insurance.

Haftpflicht Versicherung Ordner

Personal liability insurance – necessary for refugees, too

In Germany you can insure yourself against a lot of damage. Some insurances are more important than others. The first and most important insurance you need from the beginning is a „private liability insurance“.

Infothek Illustration Schlüsseldienst Notdienst Giulia Cappello VZB

Locksmiths - Caution is required!

Have you left the apartment in a hurry, slammed the door, and unfortunately forgotten to take your key with you? You’re not alone. Many consumers face this problem. Sometimes the only answer is a locksmith. Here are three tips to help you avoid falling into the trap of any dubious locksmith service.

Kündigung von Handy- und Internetverträgen

Terminating your mobile phone contract & co. cleverly

Are you dissatisfied with your mobile or Internet service provider or have you found a cheaper offer? If yes, then you must terminate your contract.

Reklamation: falsche Ware geliefert

Your rights in case of a complaint

You can’t switch on your brand new laptop or the dishwasher is broken after a few months? Many people have problems with defective products and rightly want to complain about them.

Vektorgrafik mit mensch und digitalen Endgeräten Fakeshop - Digitale Welt

Shop online securely

How do you avoid the trap of fake shops? Have you accidentally discovered super cheap shoes or luxurious furniture on the Internet and would you like to order such products? You have to be especially careful when doing so. There are also dubious dealers on the Internet who only want to cheat you.

EU Consumer Rights for newcomers from Ukraine

Find out how EU law protects you and your family when you buy goods and services in the EU.

Schriftzug Welcome to Germany vor einer Karte von Europa, in der Deutschland hervorgehoben ist

Information for refugees and refugee workers

This website addresses to people and institutions, who support asylum seekers and directly to refugees as well. We can help on topics, such as rip off, consumer rights, problems with solicitors, problems with contracts…

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