Insurer profile

BavariaDirekt Versicherung AG

BavariaDirekt Versicherung AG · Germany

Founded 1991Berlin, GermanyLast verified Aug 27, 2026

Overview

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.

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Company details

Parent group: Versicherungskammer Bayern
Regulator: Federal Financial Supervisory Authority (BaFin)
Phone: +49 30 5213000
Email: [email protected]

Official website

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.

Partial Comprehensive (Teilkasko)

Covers own-vehicle damage from theft, hail, animal collisions and other natural events.

Full Comprehensive (Vollkasko)

Includes all Teilkasko benefits plus cover for self-caused accident damage to the insured vehicle.

Vehicle Occupant Accident Protection

Family accident protection paying benefits for driver and passengers injured in an accident, regardless of fault.

Youngtimer / Classic Car Insurance

Motor cover tailored to cherished/classic vehicles at least 15 years old, including breakdown assistance.

Kfz-Schutzbrief (Roadside Assistance)

Add-on breakdown/roadside assistance cover available with the motor insurance.

Property

Residential Building Insurance

Covers houses against fire, storm, hail and leaking water, with optional glass and natural hazard cover.

Household Contents Insurance

Covers household contents against fire, burglary, water damage and other perils, including optional bicycle cover.

Glass Insurance

Optional add-on covering breakage of window and other glass elements in the home.

Health

Long-Term Care Supplementary Insurance

Private daily-care allowance insurance underwritten by UKV to supplement statutory long-term care cover.

State-Subsidised Care Insurance (FörderPflege)

Government-subsidised (Pflege-Bahr) care insurance with no health check, underwritten by UKV.

Alternative Practitioner Supplementary Insurance

Supplementary health cover for treatments by alternative practitioners (Heilpraktiker).

Vision & Hearing Care Supplementary Insurance

Reimburses costs for eye and ear check-ups, vaccinations and preventive care, underwritten by UKV.

Glasses/Vision Insurance

Supplementary cover contributing toward the cost of glasses and vision aids.

Dental Supplementary Insurance

Dental supplementary cover with tariff tiers (e.g. zahnprivat-75/90/100) reimbursing a percentage of dental treatment costs.

Hospital Supplementary Insurance

Supplementary insurance providing enhanced benefits during hospital stays, such as private room or per-diem payments.

Personal Accident Insurance

Pays a lump sum or annuity benefit in case of disability or other consequences of an accident.

Liability

Private Liability Insurance

Covers financial, property and personal damage claims up to €50 million caused by the policyholder in daily life.

Dog Owner Liability Insurance

Covers damage claims arising from harm caused by the policyholder's dog, worldwide.

Family Liability Insurance

Private liability cover extended to family members living in the same household.

Builder's Liability Insurance

Liability cover for owners during construction projects for claims arising from the building site.

Travel

Trip Cancellation Insurance

Covers financial loss from trip cancellation, rebooking or interruption due to unforeseen events, underwritten by URV.

Overseas Health Insurance

Worldwide travel medical cover with 100% reimbursement for treatment and medication abroad, underwritten by UKV.

Pet

Dog Health Insurance

Covers veterinary and surgery costs for dogs up to 100%, offered in partnership with Cleos.

Small Animal Health Insurance

Health insurance for small pets such as hamsters and rabbits, offered with Cleos.

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.

Landlord Legal Protection

Legal expenses cover tailored to landlords for disputes related to rented property.

Traffic Legal Protection

Legal expenses cover for disputes arising from participation in road traffic.

Professional/Employment Legal Protection

Legal expenses cover for disputes related to employment and professional matters.

Tenant Legal Protection

Legal expenses cover for tenants in disputes with landlords.

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.