Insurer profile

Concordia Versicherungs-Gesellschaft auf Gegenseitigkeit

Concordia Versicherungs-Gesellschaft auf Gegenseitigkeit · Germany

Founded 1864Hanover, GermanyLast verified Aug 27, 2026

Overview

Concordia is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) headquartered in Hanover, founded in 1864 and offering property/casualty, life, health and legal-protection insurance for private individuals, self-employed people, farmers and businesses through itself and its subsidiaries.

Source

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Company details

Regulator: Federal Financial Supervisory Authority (BaFin)
Phone: +49 511 5701-0
Email: [email protected]

Official website

Products from Concordia Versicherungs-Gesellschaft auf Gegenseitigkeit

Motor

Car Insurance (Third-Party Liability)

Mandatory third-party motor liability cover for cars, combinable with partial or fully comprehensive cover.

Car Comprehensive Insurance (Kasko)

Partial or fully comprehensive vehicle damage cover with tariffs such as Classic, Premium and Premium Partner.

Motorcycle Insurance

Liability and casco cover for motorcycles, including a holiday casco add-on for touring.

Electric Car Insurance

Motor insurance tailored to electric vehicles, including battery damage cover.

Oldtimer Insurance

Special motor insurance conditions for classic and collector vehicles.

Motorhome Insurance

Motor insurance cover for motorhomes and caravans.

Moped Insurance

Affordable liability and casco insurance for mopeds, with a beginner discount for new riders.

E-Scooter Insurance

Liability cover with optional casco for e-scooters.

Auto Roadside Assistance (Schutzbrief)

Roadside and breakdown assistance package for insured vehicles.

Property

Home Contents Insurance (Hausrat)

Comprehensive home contents insurance under the 'Sorglos' concept, with automatic sum updates and security guarantees.

Natural Hazards Add-on for Home Contents

Optional extension to home contents insurance covering damage from extreme natural and weather events.

Building/Homeowners Insurance

Building insurance for single- and two-family houses with discounts for newer buildings and claim-free history.

Building Insurance for Multi-Family Houses

Building insurance variant tailored to multi-family residential buildings, covering fire, water, storm and further natural hazards.

Natural Hazards Insurance (Wohngebäude)

Extended natural hazards cover protecting both the building and its contents against extreme weather events.

Commercial/Industrial Property Insurance

Property insurance for industrial and commercial operations, listed among Concordia's GDV-registered products.

Agricultural Insurance

Insurance solutions built up over 160 years for farms and agricultural businesses, including fire-risk awareness for agricultural operations.

Insurance for Companies and the Self-Employed

Bundled insurance solutions for companies and self-employed customers, including liability, property and further covers.

Health

Private Full Health Insurance

Comprehensive private health insurance with a guarantee against later reductions in tariff benefits.

Outpatient Supplementary Health Insurance

Supplementary insurance topping up statutory health insurance benefits for outpatient treatment.

AZ Kompakt Supplementary Insurance

Compact supplementary health insurance covering telemedicine and additional outpatient benefits.

Health Insurance for Civil Servants and Trainees

Private health insurance tailored to civil servants, including hospital daily allowance and rooming-in benefits for children.

Long-Term Care Daily Allowance Insurance

Flexible daily-allowance cover for long-term care needs, payable worldwide and combinable across care levels.

Private Accident Insurance

Personal accident insurance with the strong 'Sorglos' tariff, insurable for children, employees, retirees and the self-employed.

Liability

Legal Expenses Insurance (Sorglos-Rechtsschutz)

Legal protection covering private, traffic, employment and residential legal matters, also available to the self-employed.

Private Liability Insurance (Sorglos-Privathaftpflicht)

Personal liability cover for the policyholder and household members, including damages from favors done for friends.

Property Owner Liability Insurance

Liability cover for property and land owners, particularly required for landlords who do not occupy the property themselves.

Builders' Liability Insurance

Liability cover for larger construction projects exceeding the private liability policy's building-sum limit.

Business/Professional Liability Insurance

Liability cover for businesses against third-party damage claims, tailored to the company's sector and size.

Travel

Travel Health Insurance Abroad

Worldwide travel health cover for holiday and business trips of up to six weeks, extendable to two years.

Life

Private Pension / Retirement Provision

Flexible private pension savings product, including a fund-linked 'green' option (oecoinvest plus).

Sustainable Retirement Provision

Sustainability-focused pension products, including the Basis-Rente (Rürup) for the self-employed and high earners.

Term Life Insurance

Term life insurance to financially protect dependants in the event of death.

Disability Insurance

Occupational disability insurance with especially favourable rates for trainees, students and career starters.

Basic Abilities Insurance

Insurance covering the loss of basic physical or mental abilities, available in three product variants.

Funeral Expenses Insurance (Sterbegeld)

Whole-life type insurance financing a funeral according to personal wishes, including access to a provisions portal.

Employee Benefits Insurance

Occupational benefits insurance products for employers to insure their employees, including a group travel health option.

Financial

Instalment Loan Protection Insurance

Credit/loan protection product offered within Concordia's retirement and provision range.

Fondswelt (Fund-linked Pension Options)

Fund-linked options for pension insurance, including low-cost ETFs and a selection of 'green' funds.

Pet

Pet Health Insurance

Health insurance product for pets offered within Concordia's health and lifestyle portfolio.

Other

three4one Combined Cover

Combined health/accident-type protection product bundled under the 'three4one' brand within Concordia's health and lifestyle range.

Regulatory updates

Concordia is supervised by BaFin. In August 2024 BaFin granted Concordia Versicherungs-Gesellschaft a.G. permission to operate a further insurance class and risk types. Historically, BaFin approved the 2014 merger of oeco capital Lebensversicherung AG into Concordia Lebensversicherungs-AG and the 2016 transfer of the legal-protection insurer's business onto the parent mutual company. Independent complaint statistics show Concordia's legal-protection business had a below-average complaint ratio (0.4 per 100,000 contracts in 2023 vs. an industry average of 1.0).