The author reserves the right not to be responsible for the topicality, correctness, completeness or quality of the information provided. Liability claims regarding damage caused by the use of any information provided, including any kind of information which is incomplete or incorrect, will therefore be rejected. All offers are non-binding and without obligation. Parts of the pages or the complete publication including all offers and information might be extended, changed or partly or completely deleted by the author without separate announcement.

Referrals and links

The Author is not responsible for any contents linked or referred to from his pages – unless he has full knowledge of illegal contents and would be able to prevent the visitors to his site from viewing those pages. If any damage occurs by the use of information presented there, only the author of the respective pages might be liable, not the one who has linked to these pages. Furthermore the author is not liable for any postings or messages published by users of discussion boards, guest-books or mailing lists provided on his page.


The author intended not to use any copyrighted material for the publication or, should this be unavoidable, to indicate the copyright of the respective object. Sound recordings, video sequences, graphics and texts can only be drawn on if these are not protected by copyright. If you find any unindicated object protected by copyright, the copyright could not be determined by the author. In the case of such an unintentional copyright violation the author will remove the object from the publication or at least indicate it with the appropriate copyright after notification. The copyright for any material created by the author is reserved. Any duplication or use of such diagrams, sounds or texts in other electronic or printed publications is not permitted without the author´s agreement.

Legal force of this disclaimer

This disclaimer is to be regarded as part of the internet publication which you were referred from. If sections or individual formulations of this text are not legal or correct, the content or validity of the other parts remain uninfluenced by this fact.

(according to §5 Telemediengesetz TMG – teleservice laws)

Information provider (Responsible for the content)

Hübener Versicherungs-AG
Ballindamm 37
D-20095 Hamburg
phone: +49(40) 226 31 78 – 0
fax: +49(40) 226 31 78 – 78

Tax-Number: 27/137/00633
Commercial Registry Hamburg HR B 97637
Chairman: Kersten Jodexnis
Management: Nicolas Hübener, Dietmar Linde

The following information is submitted in fulfilment of the legal requirements listed below:

  • § 5 and § 6 Telemediengesetz (TMG) – teleservice laws
  • § 4 para. 3 Bundesdatenschutzgesetz (BDSG) – German data protection act,
  • § 312c Bürgerliches Gesetzbuch (BGB) – German civil code
  • § 1 BGB-Informationspflichten-Verordnung (BGB-InfoV) – (German civil code duty to supply information ordinance)