Private insurance · clear and independent
What matters to you should remain protected.
From health and family to home, income, legal matters and mobility: we compare not only price but also wording, exclusions and claims practice.
Private insurance areas
Health and life protection first – with every other part of private life covered.
Private health insurance
Outpatient care, hospital and dental cover with a suitable benefit structure and personal advice.
Learn more →Term life insurance
Protect relatives, loans and other obligations with an appropriate cover amount.
Learn more →Home & contents
Buildings, contents, private liability, fire, storm, water, burglary and natural hazards.
Learn more →Accident insurance
Financial support after permanent accident consequences, rescue and rehabilitation.
Learn more →Legal protection
Assess the cost risk of disputes and choose suitable modules.
Learn more →Occupational disability
Protect ongoing income if illness or accident prevents you from working.
Learn more →Retirement planning
Build assets over time and address your personal pension gap.
Learn more →Motor insurance
Liability, comprehensive cover, assistance and legal protection.
Learn more →Travel insurance
Cancellation, medical expenses, repatriation, baggage and assistance abroad.
Learn more →Claims support
We stay involved from notification to final settlement.
Record the claim
Structure facts, deadlines and immediate action.
Check cover
Review policy, conditions and clauses.
Secure evidence
Prepare photos, invoices, reports and expert evidence.
Support settlement
Follow communication, calculations and open issues.
Court decisions
View all decisionsJudgments show why individual words in policy wording matter.
Selected decisions from home, accident, legal protection, motor and personal insurance.
Escape of water: where must the water come from?
Escape-of-water cover generally depends on water leaving supply or drainage pipes or connected equipment. The proven cause matters, not merely the presence of water.
Official RIS decision →Escape of water: definition and direct effect
The Court focused on the policy definition of escape of water and its direct effect on insured property. Pipe damage, consequential loss and excluded causes must be distinguished.
Official RIS decision →15-month deadline for permanent disability
Where such a deadline is agreed, possible permanent disability must be claimed and medically supported in time. The period generally starts on the accident date.
Official RIS decision →When is disability permanent?
Permanent disability requires a lifelong impairment or a medically supported prognosis that it will probably remain for life. The relevant assessment date matters.
Official RIS decision →When does a legal-expenses event begin?
The decisive event is usually the first alleged breach of a legal duty, not the later lawyer’s letter or court action. Cover purchased afterwards may therefore be too late.
Official RIS decision →Is every paint scratch a comprehensive-insurance accident?
The actual sequence, a sudden external impact and the contractual accident definition are decisive. Calling an event an “accident” in everyday language is not enough.
Official RIS decision →Broker advice for private clients
More about broker adviceGo beyond premiums and assess the policy itself.
For private insurance, wording, exclusions, sums insured and claims practice matter. Our broker portal explains how selection, policy design and ongoing support fit together.
Our team
Meet the teamPersonal support from advice to claims handling.
Herbert Helm MBA
Insurance broker · adviser in insurance matters · licensed financial adviser
Sylvia Laslo
Back office, policy administration and client service
Corinna Wartecker
Claims management and client support
Lara Gschöpf
Client service, organisation and digital communication
Gerhard Kofler
External expert for liability, property and accident insurance
Personal advice
Private insurance from one independent adviser.
Herbert Helm MBA
Insurance broker · adviser in insurance matters · licensed financial adviser
+43 7474 23456
helm@sichermithelm.at
Insurance broker · adviser in insurance matters · licensed financial adviser
+43 7474 23456
helm@sichermithelm.at
Frequently asked questions
View all questionsClear answers before you decide.
Which private insurance is most important?
That depends on family, housing, income, assets and mobility. We prioritise health, liability, home, accident, legal and income protection together.
Why is price comparison not enough?
Cover depends on the policy, conditions, clauses, exclusions and law. A cheap tariff may have important gaps.
Do you support claims?
Yes. We assist with notification, cover review, evidence and settlement.
Directions to our office
Visit us in Euratsfeld.
Our office is located at Saliterweg 8, 3324 Euratsfeld. The interactive Google map is loaded only after your explicit consent.
SICHER mit HELMSaliterweg 8, 3324 Euratsfeld, Österreich
Phone+43 7474 23456
Claim assistance for non-clients
Out-of-court support for third-party motor claims.
Coordinate inspection, prepare the claim schedule, support communication and review the settlement.