Simple. Personal. Digital.

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100% free
100% independent
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basti - Free online advice


Thanks to our modern, simple and free insurance advice, you can get advice from our VMK experts from the comfort of your home. The only thing you need is a PC/laptop/tablet with good internet access.

“In the digital age, long distances are fortunately no longer an obstacle, which means that we can provide professional, but also total personal advice to people across Germany via online advice.”

Bastian Kunkel, Owner & Founder “Insurancewith Head” 201600421 BastianBusiness 12 600x900 - Free online advice

Now free insurance advice
Book with just a few clicks

Free, (local) independent and extremely personal despite online advice! Select your consulting topic below or ask for a call back if there are no suitable appointments for you. After clicking on the “main advisory area” (e.g. private pension provision), you can again select different sub-topics (e.g. ETF pension insurance).


Book an appointment here directly!

Private health-

Book an appointment directly here


Book an appointment here directly!

No suitable appointment free?

Request a call back now!

Was Kunden über unsere Online-Beratung sagen

Wir können dir den ganzen Tag erzählen, wie toll wir sind,
aber aussagekräftiger wird es wohl, wenn wir unsere bisherigen Kunden zu Wort kommen lassen 😉

The most important facts about free insurance advice / online consulting:

Free insurance advice

100% free insurance advice. Yes, the online consultation is completely freeof charge for you. No matter how long or how often you talk, write or exchange with us. There is no consulting fee at any time that you would have to pay.

In our opinion, a consulting fee does not provide a high-quality exchange and therefore does not provide optimal insurance advice. Because a conversation that is under “financial time pressure” because every minute costs you virtually cash money will definitely not be a very productive conversation, because you will have too much of the factor “each-I-question-and-know-will-the-more-expensive-it”.

Independent insurance advice

100% independent insurance advice. As an independent insurance broker, we are not tied to any company and can evaluate, analyze and select almost the entire market for you and find the insurance that best suits you. Since we only earn money when we have found the right insurance cover for you, it is also our highest concern to find exactly the insurance for you that fits 100% – without being restricted in the selection of insurers here in advance.

Completely free insurance advice for you

That is why we like talks without the appropriate time pressure.

If it turns out that no insurance makes sense for you, or you are already in a really good position, there is still no consulting fee or similar for you. Just a completely free insurance advice.

Kostenlose Versicherungsberatung für dich, da wir vom Versicherer vergütet werden.

Sollten wir während oder nach der Online-Beratung zu dem Schluss kommen, dass die ein oder andere Versicherung für dich Sinn macht, diese zu deiner persönlichen Situation passt und dir einen Mehrwert bietet, so bekommen wir dann bei Abschluss des Vertrages von der jeweiligen Versicherung unsere Vergütung gezahlt.

Genauso wie z.B. auch Check24 diese Provision bekommt, wenn du über das Portal eine Versicherung abschließt. Die Preise für eine Versicherung sind hier übrigens 1:1 identisch, mit dem Unterschied, das unsere Beratung, trotz Online-Beratung sehr persönlich und menschlich ist 🙂

Bild Bastian Kunkel DKM - Free online advice
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Our customers love the flexibility and local independence of our online consulting. Whether from home, in the office or hotel. Online consulting is possible from anywhere you have the Internet.


Free insurance advice – this is how it works!

Select appointment type and consultant

First of all, choose your desired consulting topic.

Then you click on the available VMK experts. It doesn’t matter which available VMK experts you choose. Our consultants are all very familiar with the relevant subject areas. So you only have to choose the right day/time for you.

Choose the right date

Now click on “to the next free appointment“. This way you will see the next possible free appointment. First you select the day and then the corresponding time.

NOTE: The demand for online consultations is currently very high with us and it may be that sometimes you do not find free appointments. Just jump back and choose another VMK consultant. If nothing is free here, please send us a separate
appointment request

Just a few more infos about you

On the next page, you provide some contact details, confirm the privacy information, and click on“Show Summary”and finally click “Submit Now”. Your appointment has been booked bindingly. Please also check your spam folder for our confirmation emails and other info-mails for free insurance advice (e.g. the link to the online meeting, which will be sent to you 1 hour before the appointment).

The online consultation takes place!

For the scheduled date, you will then click on the corresponding link in your email and call your VMK consultant via our online consulting tool and you will start consulting directly. How long the consultation lasts depends on the scope of the consultation (usually about 1 hour) and your individual questions.

Depending on your wishes or consulting content, a follow-up appointment with you will be made in the interview. All documents (e.g. offers) will usually be received by e-mail, but on request also by post.

Frequently asked questions about free insurance advice / online advice

You may have a few more questions that you would like to have answered before you book an online consultation with us. Below we have compiled the most common questions about online consultation and the corresponding answers for you. We hope that you will find an answer to all the questions that are still open.

Be quick and book the next free appointment directly

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