Insurer profile
BavariaDirekt Versicherung AG
BavariaDirekt Versicherung AG is a German direct (online) insurer, formerly known as Ostdeutsche Versicherung AG (OVAG), founded in Berlin in 1991 and fully owned since 2005 by Versicherungskammer Bayern; it markets private-customer insurance products under the BavariaDirekt online brand and is part of the Sparkassen-Finanzgruppe.
Source- Legal entity
- BavariaDirekt Versicherung AG
- Headquarters
- Berlin, Germany
- Parent group
- Versicherungskammer Bayern
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 30 5213000
- info@bavariadirekt.de
- Founded
- 1991
- Last verified
- Aug 27, 2026
Products from BavariaDirekt Versicherung AG
motor
Motor Third-Party Liability Insurance
Covers damages to third parties (persons, property, financial loss) caused by the insured vehicle.
motor
Partial Comprehensive (Teilkasko)
Covers own-vehicle damage from theft, hail, animal collisions and other natural events.
motor
Full Comprehensive (Vollkasko)
Includes all Teilkasko benefits plus cover for self-caused accident damage to the insured vehicle.
motor
Vehicle Occupant Accident Protection
Family accident protection paying benefits for driver and passengers injured in an accident, regardless of fault.
motor
Youngtimer / Classic Car Insurance
Motor cover tailored to cherished/classic vehicles at least 15 years old, including breakdown assistance.
motor
Kfz-Schutzbrief (Roadside Assistance)
Add-on breakdown/roadside assistance cover available with the motor insurance.
liability
Private Liability Insurance
Covers financial, property and personal damage claims up to €50 million caused by the policyholder in daily life.
liability
Dog Owner Liability Insurance
Covers damage claims arising from harm caused by the policyholder's dog, worldwide.
liability
Family Liability Insurance
Private liability cover extended to family members living in the same household.
liability
Builder's Liability Insurance
Liability cover for owners during construction projects for claims arising from the building site.
property
Residential Building Insurance
Covers houses against fire, storm, hail and leaking water, with optional glass and natural hazard cover.
property
Household Contents Insurance
Covers household contents against fire, burglary, water damage and other perils, including optional bicycle cover.
property
Glass Insurance
Optional add-on covering breakage of window and other glass elements in the home.
cyber
Cyber Insurance
Protects private individuals against online threats such as data misuse, identity theft and cyberbullying.
other
Legal Expenses Insurance
Legal protection insurance underwritten by ÖRAG, covering legal costs including a free legal hotline.
other
Landlord Legal Protection
Legal expenses cover tailored to landlords for disputes related to rented property.
other
Traffic Legal Protection
Legal expenses cover for disputes arising from participation in road traffic.
other
Professional/Employment Legal Protection
Legal expenses cover for disputes related to employment and professional matters.
other
Tenant Legal Protection
Legal expenses cover for tenants in disputes with landlords.
travel
Trip Cancellation Insurance
Covers financial loss from trip cancellation, rebooking or interruption due to unforeseen events, underwritten by URV.
travel
Overseas Health Insurance
Worldwide travel medical cover with 100% reimbursement for treatment and medication abroad, underwritten by UKV.
health
Long-Term Care Supplementary Insurance
Private daily-care allowance insurance underwritten by UKV to supplement statutory long-term care cover.
health
State-Subsidised Care Insurance (FörderPflege)
Government-subsidised (Pflege-Bahr) care insurance with no health check, underwritten by UKV.
health
Alternative Practitioner Supplementary Insurance
Supplementary health cover for treatments by alternative practitioners (Heilpraktiker).
health
Vision & Hearing Care Supplementary Insurance
Reimburses costs for eye and ear check-ups, vaccinations and preventive care, underwritten by UKV.
health
Glasses/Vision Insurance
Supplementary cover contributing toward the cost of glasses and vision aids.
health
Dental Supplementary Insurance
Dental supplementary cover with tariff tiers (e.g. zahnprivat-75/90/100) reimbursing a percentage of dental treatment costs.
health
Hospital Supplementary Insurance
Supplementary insurance providing enhanced benefits during hospital stays, such as private room or per-diem payments.
health
Personal Accident Insurance
Pays a lump sum or annuity benefit in case of disability or other consequences of an accident.
pet
Dog Health Insurance
Covers veterinary and surgery costs for dogs up to 100%, offered in partnership with Cleos.
pet
Small Animal Health Insurance
Health insurance for small pets such as hamsters and rabbits, offered with Cleos.
Regulatory updates
In 2025, BaFin published notice of a 2023 decision granting BavariaDirekt Versicherung AG an extension of its business permit to additional insurance classes, specifically fire and other elemental damage risks (e.g. subsidence and landslide) beyond storm damage, excluding reinsurance business.
Reputation and reviews
Offer pages
Motor casco
BavariaDirekt is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Last verified Aug 28, 2026
Motor third-party liability
BavariaDirekt is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
BavariaDirekt is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026