Rombey Capital · Blog (English) https://rombey.capital/en/blog/ Insurance, retirement and finance – explained in plain language. en Switch Electricity & Gas Providers Automatically: Save Every Year, Zero Effort https://rombey.capital/en/blog/automatic-energy-provider-switching/ https://rombey.capital/en/blog/automatic-energy-provider-switching/ Thu, 02 Jul 2026 09:00:00 GMT Loyal customers almost always overpay for electricity and gas in Germany. How automatic provider switching works, what it really saves and what to look for in a switching service. Klarna Debt: How Dangerous Is It Really – and How Do You Get Out? https://rombey.capital/en/blog/klarna-debt-what-to-do/ https://rombey.capital/en/blog/klarna-debt-what-to-do/ Thu, 18 Jun 2026 09:00:00 GMT Buy now, pay later adds up fast: how Klarna debt builds, what dunning, debt collection and SCHUFA entries mean in Germany, and how to get out with a clear plan and consolidation. Mandatory Natural Hazard Insurance: What the Merz Push Means for Homeowners https://rombey.capital/en/blog/mandatory-natural-hazard-insurance/ https://rombey.capital/en/blog/mandatory-natural-hazard-insurance/ Wed, 03 Jun 2026 09:00:00 GMT Germany plans mandatory natural hazard insurance for residential buildings. What Friedrich Merz and the coalition propose, what Elementar cover includes and what homeowners should check now. Landlord Liability Insurance in Germany: Can You Pass the Cost on to Tenants? https://rombey.capital/en/blog/landlord-liability-passable-to-tenants/ https://rombey.capital/en/blog/landlord-liability-passable-to-tenants/ Tue, 12 May 2026 09:00:00 GMT Is German landlord liability insurance (Haus- und Grundbesitzerhaftpflicht) passable to tenants? Yes – under three conditions. Legal basis (Sec. 2 BetrKV), correct billing and typical mistakes. Insurance broker vs. comparison portal in Germany – which is better for you? https://rombey.capital/en/blog/insurance-broker-vs-comparison-portal/ https://rombey.capital/en/blog/insurance-broker-vs-comparison-portal/ Tue, 14 Apr 2026 09:00:00 GMT Check24 & co. show prices; a broker vets conditions and is liable for the recommendation. The honest comparison – and a clear answer on when to use which. Car insurance without HSN/TSN in Germany: insuring imports and Chinese cars https://rombey.capital/en/blog/car-insurance-without-hsn-tsn/ https://rombey.capital/en/blog/car-insurance-without-hsn-tsn/ Thu, 05 Mar 2026 09:00:00 GMT Your car has no German HSN/TSN type code? How to insure it anyway: individual approval, the right eVB, fair classification – the complete guide for imports and Chinese vehicles. German public health insurance 2026: save hundreds per year without losing benefits https://rombey.capital/en/blog/statutory-health-insurance-save-money/ https://rombey.capital/en/blog/statutory-health-insurance-save-money/ Tue, 20 Jan 2026 09:00:00 GMT The average supplemental rate hits 2.9% in 2026. Switching funds often saves €200–400 a year with practically identical benefits. How the 15-minute switch works – explained for internationals.