Insurer profile
ARAG SE (Allgemeine Rechtsschutzversicherungs Aktiengesellschaft)
ARAG SE (Allgemeine Rechtsschutzversicherungs Aktiengesellschaft) · Germany
Overview
ARAG SE is a European insurance group headquartered in Düsseldorf, the largest family-owned insurance company in Germany and considered the largest legal expenses insurer in the world, offering legal protection, health, composite (property/casualty), accident and other insurance products through its group companies.
Source49
Products in this market
2
Offer pages
Company details
- Parent group
- ARAG Group (Faßbender family)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 211 98700700
- [email protected]
Products from ARAG SE (Allgemeine Rechtsschutzversicherungs Aktiengesellschaft)
Property9
Household Contents Insurance
Covers household belongings against fire, water damage, storm and burglary.
Building Insurance
Protects homeowners' buildings against fire, water, storm and hail damage, with optional Elementar (natural hazard) cover.
Natural Hazards Insurance
Additional cover for natural hazard damage such as flooding, extending home/building insurance.
Glass Insurance
Covers breakage of glass surfaces in the home.
Electronics Insurance
Covers damage to household electronics including operating errors and short circuits.
Home & Property Assistance Cover
Assistance cover providing emergency help for home-related incidents.
Bicycle Insurance
Covers bicycles against theft and damage.
Business Contents Insurance
Covers business inventory, goods and equipment against damage.
Business Interruption Insurance
Covers loss of business income following an insured property damage event.
Health13
Company Health Insurance
Supplementary health benefits offered by employers to their employees.
Private Health Insurance (Full Cover)
Full private health insurance offering premium medical care as a private patient.
Supplementary Health Insurance (overview)
Range of supplementary health products covering dental, hospital, outpatient and other gaps in statutory health cover.
Dental Supplementary Insurance
Covers up to 100% of costs for dental treatment, dentures and prophylaxis.
Hospital Supplementary Insurance
Covers upgraded hospital accommodation and chief physician treatment.
Outpatient Supplementary Insurance
Supplementary cover for outpatient treatments not fully covered by statutory insurance.
Sick Pay Insurance
Provides daily allowance to compensate loss of income during illness for employees and self-employed.
Preventive Care Insurance
Covers costs of preventive medical check-ups and screenings.
Hospital Daily Allowance Insurance
Pays a daily cash benefit for each day of hospital stay.
Glasses/Vision Insurance
Covers costs of glasses and vision aids.
Naturopath Supplementary Insurance
Covers costs of alternative/naturopathic medical treatments.
Long-Term Care Insurance
Supplementary financial protection in case of long-term care needs, complementing statutory care insurance.
Accident Insurance
Private accident insurance protecting against financial consequences of accidents for individuals and families.
Liability4
Private Liability Insurance
Covers costs of unintentional damage caused to third parties, including personal injury and property damage.
Commercial/Business Liability Insurance
Liability insurance for self-employed and businesses against third-party claims from business activities.
Sports Liability Insurance
Liability cover tailored for amateur and professional athletes.
Animal Owner Liability Insurance
Liability cover for damage caused by a policyholder's pet to third parties.
Travel10
Ski Federation Insurance
Insurance package for members of the German Ski Association covering winter sports risks.
Travel Insurance (overview)
Range of travel insurance products including assistance packages for travel, home and accidents.
Top Assistance Cover
Combines multiple travel/mobility assistance services including legal advice while traveling.
Camping Insurance
Insurance cover for camping equipment and related travel risks.
Trip Cancellation Insurance
Covers costs if a trip must be cancelled before departure.
Luggage Insurance
Covers loss, theft or damage of luggage while travelling.
Family Travel Insurance
Combined travel insurance package designed for families.
European Travel Insurance
Travel insurance tailored for trips within Europe.
Travel Repatriation Insurance
Covers costs of medical repatriation in case of illness or accident abroad.
Overseas Travel Health Insurance
Covers medical treatment costs abroad for holiday and business travelers.
Pet2
Other8
Legal Expenses Insurance
Modular legal protection insurance covering private, employment, traffic and residential legal disputes with lawyer and court cost coverage.
Instant Rent Legal Protection
Rental legal protection with no waiting period, covering disputes retroactively up to 12 months.
Law & Home Package (Legal, Liability & Household)
Bundled package combining legal protection, home contents and private liability insurance with discounts for switching.
Business Legal Protection
Legal expenses insurance tailored to self-employed and businesses.
Business Legal Protection with Instant Help
Business legal protection with immediate assistance service for urgent legal matters.
Law & Business Package
Combined package for self-employed and SMEs bundling legal protection, business liability and content/property cover.
Company Contract Legal Protection
Legal protection for companies covering disputes arising from business contracts.
Travel Legal Protection
Legal protection for disputes arising from travel contracts and bookings.
Regulatory updates
ARAG SE is supervised by BaFin under the German Insurance Supervision Act (VAG). In BaFin's 2024 complaints statistics, ARAG SE recorded the highest complaint ratio among legal expenses insurers, with 87 complaints against roughly 1.9 million contracts (a ratio of 4.6 per 100,000 contracts), the highest in the sector for the second year running. The group has also worked with BaFin on internal Solvency II risk models and previously obtained BaFin approval (Inhaberkontrollverfahren) for the 2017 sale of its life insurance subsidiary to the Frankfurter Leben Group.
Reputation and reviews
Offer pages
Legal expenses insurance
legal expenses insurance from ARAG for the Germany market, with online purchase and 24/7 assistance.
Last verified Oct 15, 2026
Travel insurance
travel insurance from ARAG for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 27, 2026