Insurer profile
HUK24 AG
HUK24 AG is a German direct (online-only) insurer based in Coburg and a subsidiary of the HUK-Coburg insurance group, distributing insurance exclusively via its own website without intermediaries or comparison portals, and describes itself as Germany's largest direct insurer with almost 5.7 million contracts.
Source- Legal entity
- HUK24 AG
- Headquarters
- Coburg, Germany
- Parent group
- HUK-COBURG Haftpflicht-Unterstützungskasse kraftfahrender Beamter Deutschlands a.G.
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 800 2150215
- info@huk24.de
- Founded
- 2000
- Last verified
- Aug 27, 2026
Products from HUK24 AG
motor
Motor third-party liability insurance
Mandatory liability cover for damages caused to third parties with a vehicle.
motor
Comprehensive/partial motor insurance (Kasko)
Covers own vehicle damage from accidents, theft, fire and other risks in partial or fully comprehensive form.
motor
Roadside assistance package (Auto-Schutzbrief)
Breakdown and roadside assistance add-on cover for vehicles.
property
Household contents insurance
Covers household contents against fire, water damage, storm, burglary and vandalism.
property
Household contents & liability combo
Combined package bundling household contents and private liability insurance.
liability
Private liability insurance
Private liability insurance protecting against financial consequences of third-party damage claims.
property
Bicycle insurance
Insurance against theft and damage for bicycles.
property
E-bike insurance
Insurance against theft, damage and battery/electronics defects for e-bikes.
liability
Animal owner liability insurance
Liability cover for damages caused by an owned animal, e.g. dogs or horses.
liability
House/property owner liability insurance
Liability insurance for owners of houses or land against third-party claims arising from the property.
property
Buildings insurance
Covers residential buildings against damage from fire, storm, hail, lightning and other perils, up to full rebuild value.
liability
Building owner's liability insurance
Liability cover for owners during construction of a building against claims from third parties.
financial
Premium Sparen 24 (savings/investment plan)
Fund-based savings and investment product offered via HUK24.
financial
Premium Sparen 24 Kids
Fund-based savings plan designed for children's future provision.
health
Personal accident insurance
Covers accidents in everyday life, including disability benefits and accident pensions.
health
Children's accident insurance
Accident insurance tailored to cover children.
life
Term life insurance
Pure death-benefit life insurance providing financial protection for dependents.
health
Occupational disability insurance
Income protection insurance paying a pension if the insured becomes unable to work due to occupational disability.
health
Supplementary dental insurance
Supplementary dental insurance covering costs beyond statutory health insurance, e.g. crowns, implants and prophylaxis.
travel
Travel health insurance abroad
Medical expense cover for illness or accidents while travelling abroad.
health
Private health insurance
Private health insurance offered by HUK-Coburg, geared especially towards civil servants.
health
Supplementary long-term care insurance (state-subsidized)
State-subsidized supplementary care insurance to help cover the financing gap in case of long-term care needs.
liability
Legal expenses insurance
Covers private, professional, traffic and residential legal protection for comprehensive legal support.
travel
Trip cancellation insurance
Covers cancellation costs when a booked trip cannot be undertaken.
pet
Pet insurance
Covers veterinary costs for pets such as dogs, cats and horses.
life
Classic endowment life insurance
Traditional endowment life insurance combining death cover with a capital payout.
financial
Classic basic (Rürup) pension
State-subsidized classic basic (Rürup-style) pension plan for retirement provision.
financial
Classic annuity/pension insurance
Classic private pension/annuity insurance for long-term retirement savings.
Regulatory updates
As an insurance undertaking, HUK24 is supervised by BaFin's insurance supervision sector; BaFin's annual complaints statistics showed the complaint rate for the motor insurance segment increased in 2025, rising from 2,434 complaints (rate 1.9 per 100,000 contracts) in the prior year to 3,997 complaints (rate 2.9 per 100,000 contracts), though when normalized against HUK24's much larger overall portfolio of about 13.1 million contracts the rate is only slightly above market average.
Reputation and reviews
Offer pages
Motor casco
HUK24 is a motor casco insurance for the Germany market with online purchase and limited assistance availability.
Last verified Aug 27, 2026
Motor third-party liability
HUK24 is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 27, 2026
Travel insurance
HUK24 is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 27, 2026