Insurer profile
GVV-Kommunalversicherung VVaG (Mutual Insurance Association)
GVV-Kommunalversicherung VVaG (Mutual Insurance Association) · Germany
Overview
GVV Kommunalversicherung VVaG is a German mutual insurer founded in 1911 by municipalities in the Rhineland-Westphalia region as a self-help risk community, providing liability, vehicle, accident, property and technical insurance for cities, municipalities, districts, municipal enterprises and savings banks. Its wholly owned subsidiary, GVV Direktversicherung AG (GVV Direkt), sells motor, home, liability, accident and legal protection insurance directly to public-sector employees, volunteer firefighters and, since June 2015, the general public.
Source54
Products in this market
2
Offer pages
Company details
- Parent group
- GVV Versicherungen (GVV Kommunalversicherung VVaG with subsidiary GVV Direktversicherung AG)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 221 4893-0
- [email protected]
Products from GVV-Kommunalversicherung VVaG (Mutual Insurance Association)
Motor15
Municipal Motor Third-Party Liability Insurance
Mandatory liability cover for municipal fleets such as fire trucks and refuse collection vehicles.
Municipal Fleet Comprehensive (Kasko) Insurance
Comprehensive damage cover for the municipal vehicle fleet.
Car Insurance (Liability & Comprehensive)
Private motor liability and optional comprehensive (Teil-/Vollkasko) cover with up to €100 million liability sum insured.
Electric Vehicle Insurance
Motor insurance tailored to electric vehicles, covering battery and charging equipment damage.
Motorcycle Insurance
Liability and optional comprehensive cover for motorcycles with Europe-wide protection.
Scooter / Light Motorcycle Insurance
Insurance cover for scooters and light motorcycles.
Moped Insurance
Insurance cover for mopeds and mofas.
E-Scooter Insurance
Mandatory liability insurance for e-scooters.
Trailer Insurance
Covers personal-injury claims up to €15 million and theft for car trailers.
Motorhome Insurance
Motorhome insurance with Europe-wide cover and theft protection.
Caravan Insurance
Caravan insurance including theft cover and animal-bite protection.
Driver Protection Add-on
Add-on covering bodily injury costs for the driver in a self-caused accident.
No-Claims Discount Protection
Protects the no-claims discount class after a self-caused accident.
Roadside Assistance Cover
Europe-wide breakdown and accident assistance including rental car and towing costs.
Official Travel Comprehensive Insurance
Comprehensive vehicle cover for own-car use during official business trips.
Property13
Goods-in-Transit / Municipal Transport Insurance
Covers goods transport risks in municipal operations.
Burglary and Robbery Insurance
Protects municipal buildings and property against burglary, theft and robbery.
Machinery Comprehensive Insurance
Covers stationary and mobile machinery used by municipalities.
Electronics Insurance
New insurance solution for electronic equipment and installations of municipalities.
Exhibition Insurance
Financial protection for artworks and exhibits of municipal museums and galleries.
Natural Hazard Insurance Add-on
Add-on covering damage from natural hazards such as flooding and heavy rain.
Bicycle Plus Cover
Extended damage and theft cover for bicycles.
Bicycle Theft Protection
Theft protection add-on for bicycles.
Home Contents Insurance
Covers household contents against fire, storm, water damage and burglary, with or without natural-hazard cover.
Buildings Insurance
Comprehensive cover for residential buildings from cellar to roof, including natural hazards.
Household Glass Insurance
Covers glass breakage for items such as shower cubicles and picture frames.
Building Glass Insurance
Protects landlords and homeowners against glass breakage in windows and doors.
Photovoltaic System Insurance
Covers photovoltaic systems as part of the buildings insurance.
Health5
Municipal Vehicle Occupant Accident Insurance
Accident cover for occupants of municipal vehicles.
Accident Insurance for Volunteers and Staff
Accident cover for volunteer firefighters, elected officials, staff and pupils.
Vehicle Occupant Accident Insurance
Additional accident cover for occupants of the insured vehicle.
Private Accident Insurance
Financial protection against the consequences of accidents, for individuals and families.
Accident Insurance for Young People
Accident insurance tailored for young people, including students.
Liability16
General Municipal Liability Insurance
Covers municipalities and municipal enterprises against unlimited third-party liability claims arising from public duties.
Financial Loss Liability Insurance
Protects municipal bodies and their staff against pure financial-loss liability claims resulting from official decisions.
D&O Insurance for Municipal Enterprises
Covers personal financial liability of managers of legally independent municipal enterprises.
Private Liability Insurance
Covers private individuals against third-party liability claims for property, injury and financial damage.
Horse Owner Liability Insurance
Liability cover for damage caused by owned horses.
Dog Owner Liability Insurance
Liability cover for damage caused by owned dogs.
House and Land Owner Liability Insurance
Liability cover for owners of rented or vacant properties, from €21.43 per year.
Builder's Liability Insurance
Liability cover for property owners during construction projects.
Official and Financial Loss Liability Insurance
Covers financial-loss liability for public-sector employees arising from their official duties.
Water Damage Liability Insurance
Liability cover for damage to water bodies caused by storage of hazardous substances.
All-Round Legal Protection Insurance
Combined legal protection covering private, professional, traffic and housing matters.
Private Legal Protection
Legal protection for private matters and disputes.
Traffic Legal Protection
Legal protection for disputes related to traffic and vehicle use.
Home and Housing Legal Protection
Legal protection for disputes concerning homes and rented property.
Professional Legal Protection
Legal protection for employment-related disputes.
Landlord Legal Protection
Legal protection for landlords in disputes with tenants.
Financial1
Fidelity Insurance for Savings Banks
Protects savings banks against financial losses caused by non-criminal breaches of trust by employees.
Other2
Benefit Buy-out Insurance
Covers financial welfare benefit obligations of municipal employers.
Official Key Insurance
Covers loss of official keys for public-sector employees.
Regulatory updates
GVV is listed in BaFin's company database as a supervised primary insurer. In leadership news, Katharina Stecher took over as CEO (Vorstandsvorsitz) of GVV Versicherungen on 1 October 2025, succeeding Wolfgang Schwade after 20 years in the role. GVV Direkt's home and buildings insurance tariffs recently received top marks from Stiftung Warentest and Franke und Bornberg, and the company was awarded 'Beste Kunden-Hotline' by Focus Money in 2025.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from GVV Kommunal for the Germany market.
Last verified Aug 28, 2026
Motor third-party liability
motor third-party liability insurance from GVV Direkt for the Germany market, with online purchase.
Last verified Aug 28, 2026