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Rombey Capital · Insurance, Financing, Wealth

Insurance that fits your life in Germany.

Personal, non-tied advice for private clients, freelancers and companies – in fluent English. One dedicated contact. Clear recommendations. Online or in person.

Start your request +49 2433 9391844
Non-tied brokerWe represent you – not the insurer.
One dedicated contactFrom first call to claims support.
No extra costOur advice never increases your premium.
100+
insurers compared – instead of one in-house brand.
§34d
GewO – licensed broker, publicly verifiable in the IHK register.
1
dedicated advisor – from the first call through every claim. No call centre.
EN
full advice in English – contracts and German bureaucracy translated into plain language.
Our role

We represent you – not the insurance company.

Under German law, a non-tied insurance broker acts as the client's fiduciary: we are bound to no insurer, we compare the market across 100+ companies, and we recommend only what fits your situation – even when the recommendation is to change nothing.

  • Market comparison, not a shelf: tariffs from 100+ insurers, assessed by conditions – not just price.
  • No cost to you: we are paid a commission by the insurer; it is already included in every premium, whichever way you buy.
  • Ongoing service: contract care, regular reviews and active support when you need to claim.
Why use a broker
Advisory conversation at Rombey Capital – online or in person
Services

Protection, retirement and wealth – under one roof.

Six core topics, one standard: finding the objectively best solution for your situation.

Occupational Disability Insurance

Your income is your biggest asset. We protect it long-term with conditions that actually pay out.

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Private Health Insurance

GKV or PKV? An honest analysis of whether private health insurance genuinely pays off for you – now and at 65.

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Business Insurance

Well-designed cover for freelancers and companies – from professional liability to cyber.

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Retirement Planning

ETF-based policies, Rürup, company pensions: we close your German pension gap tax-efficiently.

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Car Insurance

Specialists for Chinese cars and imports without German HSN/TSN type codes – fairly rated, Germany-wide.

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Mortgage Financing

As licensed real estate loan intermediaries (Sec. 34i GewO) we compare bank offers and structure your financing.

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All services at a glance
Made for internationals

German insurance, explained in plain English.

New in Germany

Start with the essentials.

Health insurance (mandatory), personal liability (essential), household contents: we set up what German life actually requires – nothing more.

Settling in

Protect your income and family.

Occupational disability cover, life insurance and pension building – with contracts you fully understand before signing.

Freelancing or founding

Business done properly.

Professional liability, health insurance as a freelancer, retirement without an employer: we structure it end to end.

Specialty

Insuring Chinese cars in Germany? Our home turf.

BYD, Dongfeng, GWM, Seres, DFSK, Jac or BAW: most insurers fail the moment a car has no German HSN/TSN type code. We have insured Chinese vehicles for years – with correct classification and fair conditions.

To the car insurance page
11+
Chinese brands already insured – from BAW to SWM.
0
type codes needed – we insure cars entirely without German HSN/TSN.
24h
quotes usually within one business day.
How we work

Four steps to the right cover.

Request

Start online in 2 minutes or call us. Free and non-binding – no obligation whatsoever.

Analysis

We understand your situation, review existing policies and identify gaps or duplicate cover.

Recommendation

Market comparison across 100+ insurers. You receive a clear, documented recommendation in plain English.

Ongoing care

Regular reviews, contract service and full support in every claim – we stay your contact.

Fresh from the blog

Knowledge that pays off.

Read all articles
Common questions

What internationals ask us first.

Anything missing? Ask us directly – it costs nothing.

Ask a question
Does your advice cost anything?
No. Brokers in Germany are paid a commission by the insurer when a contract is concluded; it is already included in every premium regardless of where you buy. Your premium does not increase because a broker is involved.
Is the whole process really possible in English?
Yes – consultations, documentation and ongoing support are available in English. The insurance contracts themselves are German legal documents; we walk you through every clause that matters before you sign.
Which insurances are actually mandatory in Germany?
Health insurance is mandatory for all residents, and car liability insurance for every vehicle owner. Personal liability (Privathaftpflicht) is not legally required but is considered essential – it covers damage you cause to others, with premiums from a few euros per month.
Can you help even though I might leave Germany in a few years?
Yes – and it changes the advice. We factor in portability, cancellation rights and refund rules, and recommend flexible solutions where your plans are uncertain. Tell us your horizon and we plan around it.
How do we meet – and do I need to be in NRW?
Most clients work with us fully online: video calls, secure document upload, digital signatures. We are based in Hückelhoven (NRW) – in-person meetings at your place are available by arrangement, but never required.
Ready when you are

Let's talk about your cover – in English.

Free, non-binding and without sales pressure. You decide what happens next.

Start your request Book a call

Or directly: +49 2433 9391844 · info@rombey.capital