Das Versicherungsvertragsgesetz (VVG) bildet die rechtliche Grundlage für Versicherungsverträge in Deutschland. [23] It governs the rights and obligations of insurers and policyholders. An important principle is the prohibition of enrichment, ensuring that insured parties do not receive more than the actual damage, even with multiple insurances. [23] Policyholders have a duty to disclose: All circumstances that might affect risk must be correctly stated when the contract is concluded. [63] Breaches of the duty to disclose can lead to loss of insurance coverage. [63] Recent court rulings, for example on occupational disability or the duties of insurance brokers, continually shape insurance law. [33,43] For consumers in Hannover, it is important to know that with certain insurances, such as third-party motor insurance, there is an obligation to contract; the insurer cannot simply reject the application. [63] In case of issues with an insurer, arbitration boards or the Federal Financial Supervisory Authority (BaFin) can be contacted. The cost of car insurance can vary greatly, so a thorough comparison is worthwhile. Knowing your rights strengthens your position against the insurer. Compliance with obligations, such as timely reporting of damage, is crucial for entitlement to benefits.