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MeinVertragsPlus

Optimise insurance, switch electricity & gas – personally from Osnabrück

Enjoy your time with family & friends – we'll handle the tariff jungle for you!

Why waste valuable time comparing for hours? Just enter your details – our partner's experts personally look for a cheaper tariff for you: cashback straight from the tariff plus a bonus from us, together up to €500*.

  • Many providers compared
  • 100 % free and without obligation
  • We speak your language (German & Arabic)
Book an appointment

Requested in just 30 seconds: our partner's experts find a suitable tariff for you – 100 % free & no obligation.

Electricity & gas? To the electricity & gas check

  • Maximum freedom: You can end our support at any time with a few clicks in the customer portal.
  • 100 % free & no hidden commitment.
  • 0 €Free & no obligation
  • OsnabrückPersonal support
  • SSLEncrypted transmission

* “Up to €500” is a maximum, not an average. When you switch electricity or gas, it is made up of two separate parts: your cashback – the savings that come straight from the cheaper tariff (you pay less; it is not paid out) – and our extra switching bonus, which we pay from our own brokerage commission (up to €50 per new electricity or gas contract, paid into your account). How much you save depends on your current contract, your consumption and where you live. Bonuses are only available when you switch electricity or gas – there is no bonus for insurance (§ 48b VAG).

Tariff check above: example calculation (43 € instead of 78 € a month = 420 € a year) – not an average and not a promise.

What we check for you

Insurance, electricity & gas, property and financing – wherever a second look pays off.

Electricity & gas

Your combined benefit

  • CashbackSavings straight from the cheaper tariff
  • plus
  • BonusExtra from us – out of our commission

together up to500 €*

Combine electricity & gas: your cashback – the savings straight from the cheaper tariff – plus our extra bonus out of our own commission add up to €500 in total.*

Check electricity & gas

Free · no bill upload

A young couple smiling as they carry moving boxes into their new home

Real estate

Buying or selling? We connect you with a licensed estate agent – request in 4 steps.

Personal advice available in German & Arabic

Two people going through contract documents together at a table

Financing

Mortgage, instalment loan or refinancing: our partner PFS look for suitable offers for you.

Personal advice available in German & Arabic

Switch easily & worry-free

We take care of cancelling your old contract and find the optimal tariff – 100% free.

Questions about switching? Book an appointment
  • We take care of cancelling your old contract on time
  • We make sure your new cover starts seamlessly
  • You receive confirmations by email – and via WhatsApp if you wish

Less effort than typical cashback portals

The bonus for switching electricity or gas shouldn't create more paperwork for you. That's why everything runs in the background with us.

Bonus (electricity & gas)
Many portals: Often upload the invoice or proof yourself
No upload – we sort it out directly with the provider
Contact person
Many portals: Hotline or chat
Dedicated contact person from Osnabrück
Processing status
Many portals: Chasing by email
Live status in the customer portal
Payout
Many portals: Often has to be requested
Automatically after the cancellation period

Three steps to a better contract

Start now
  1. 1

    Send your request in 2 min.

    Choose the type of insurance, answer a few questions, done. Simply photograph your policy with your phone.

  2. 2

    Free review by our partner's licensed experts

    Our partner's experts assess your needs and compare suitable tariffs. You decide in your own time – with no obligation.

  3. 3

    New contract – with a bonus for electricity & gas

    The new provider takes care of the switch. When you switch electricity or gas, your bonus arrives automatically after the cancellation period – no invoice upload. There is no bonus for insurance (§ 48b VAG).

Osnabrück

Here for you in person – in Osnabrück

No call centre and no anonymous portal: you have a dedicated contact person who knows your documents and gets in touch when something happens – in German or Arabic.

Book a consultation

Phone, video call or WhatsApp – free of charge

A church tower above a street in Osnabrück

Dedicated contact person

In person in Osnabrück – not in a call centre

Frequently asked questions

Do I have to upload invoices or proof to get my bonus?

No. When you switch electricity or gas, we confirm the contract directly with the provider. As soon as the contract is confirmed and the cancellation period has ended, your bonus is released automatically. You only need to enter your IBAN once in the customer portal. There is no bonus for insurance (§ 48b VAG).

When is my bonus paid out?

When you switch electricity or gas: as soon as the provider has confirmed the contract and the cancellation period has ended, your bonus shows as “Confirmed & payable” in the customer portal. We then transfer it to your account within 14 days. The length of the cancellation period depends on the provider – you can see the exact date in the customer portal.

How do I get my quotes – and how do I sign?

As soon as our partner's experts have found suitable quotes for you, we send you a link – via WhatsApp, email or both, as you chose in the form. In the customer portal you compare up to 3 quotes with your savings, choose one and sign digitally right away: with your finger, a pen, the mouse or a photo of your signature. You receive the signed document immediately as a PDF.

Why do you already ask for my IBAN in the form?

So that later all you have to do is sign. The new provider needs your bank details for the contract (SEPA direct debit). Nothing is debited until you have signed an offer and the contract is concluded – nothing happens before then. When you switch electricity or gas, we also pay your bonus into the same account.

How do I cancel a contract – or your support?

With a few clicks in the customer portal under “Contracts & mandate”: every contract has a “Cancel contract” button. Choose the reason (the most common one is already selected), “Cancel now” – done. You immediately get a confirmation with date and time, by email and via WhatsApp if you wish, plus the cancellation letter as a PDF. You end our support mandate there in the same way – at any time and without notice. Without a customer account, use “Cancel contracts here” at the bottom of every page.

Can I speak to someone in person?

Yes, of course. Via “Book an appointment” at the top of the page you choose a free slot in the calendar – by phone, video call (Google Meet or Zoom) or WhatsApp call. The conversation takes about 30 minutes and is free and without obligation. The confirmation with a calendar entry arrives immediately by email. If the time doesn't suit you after all, simply reply to the email. Please note: consultations take place in German or Arabic.

Do I have to upload my old policy?

No, that's optional. If you upload your current policy or last bill as a photo or PDF, you save time: our partner's experts take all the relevant data straight from your document and need to ask fewer questions.

What does reviewing my contracts cost?

Nothing – 100 % free and with no hidden commitment. The check is non-binding. We are paid by the provider or the licensed experts when a new contract is concluded. When you switch electricity or gas, we pass part of this on to you as a bonus; for insurance there is no bonus and no cashback (§ 48b VAG). If you grant the voluntary support mandate, the licensed insurance experts also receive an ongoing commission from the insurers for looking after your contracts (portfolio commission) – this costs you nothing either.

Is there a bonus for insurance?

No. The German Insurance Supervision Act (§ 48b VAG) generally prohibits passing commissions on to insurance customers or granting them special benefits. That's why we offer neither a bonus nor cashback for insurance – you get the right cover at a fair premium. There is only a bonus when you switch electricity or gas (up to €50 per contract).

Who advises me on insurance?

We are a referrer and do not broker insurance ourselves. We pass your request on – only with your consent – to licensed insurance experts. They advise you and make you an offer. You'll find who they are in the legal notice.

What happens to my data?

We only use your details to process your request and – when you switch electricity or gas – to pay out your bonus. We only pass them on to licensed experts or the provider if you consent in the form. All details are in our privacy policy.

Have your contracts checked

Free and without obligation – with a bonus when you switch electricity or gas.

  • 100 % free & no obligation
  • SSL-encrypted transmission
  • GDPR-compliant
Questions? WhatsApp