Insurer profile
R+V Versicherung AG (Raiffeisen- und Volksbanken Versicherung)
R+V Versicherung AG is one of the largest insurance companies in Germany, serving approximately 9 million private and corporate customers. As part of the Cooperative Financial Group of Volksbanken Raiffeisenbanken with DZ BANK AG as its main shareholder, it offers a comprehensive range of insurance and financial products across all major lines.
Source- Legal entity
- R+V Versicherung AG (Raiffeisen- und Volksbanken Versicherung)
- Headquarters
- Wiesbaden, Germany
- Parent group
- DZ BANK AG / Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken
- Regulator
- Federal Financial Supervisory Authority (BaFin – Bundesanstalt für Finanzdienstleistungsaufsicht)
- Phone
- +49 800 533-1112
- info@ruv.de
- Founded
- 1922
- Last verified
- May 1, 2026
Products from R+V Versicherung AG (Raiffeisen- und Volksbanken Versicherung)
motor
Motor Third-Party Liability Insurance
Mandatory motor third-party liability insurance covering damage caused to third parties in road accidents.
motor
Comprehensive Motor Insurance (Full and Partial Casco)
Partial and full comprehensive motor insurance covering theft, weather damage, fire, and self-caused accidents.
property
Home Contents Insurance
Covers all movable belongings in the home against fire, theft, water damage, storm, and hail.
property
Residential Building Insurance
Protects residential buildings against financial loss from fire, pipe bursts, storms, hail, and natural hazards.
liability
Private Liability Insurance
Covers personal liability claims for accidental bodily injury, property damage, or financial losses caused to third parties.
liability
Legal Expenses Insurance
Covers the costs of legal disputes in private, professional, traffic, and real estate matters.
health
Accident Insurance
Provides financial protection in the event of a personal accident resulting in disability or death, with worldwide coverage.
health
Occupational Disability Insurance
Pays a monthly pension if the insured person becomes unable to work in their profession due to illness or accident.
health
Supplementary Health Insurance (dental, vision, alternative medicine)
Supplementary insurance covering dental care, glasses, laser eye surgery, and alternative medicine treatments as a complement to statutory health insurance.
travel
Travel Health Insurance (abroad)
Covers medical expenses incurred during trips abroad, protecting against high treatment costs in case of illness or accident.
life
Term Life Insurance
Provides a lump-sum death benefit to beneficiaries if the insured dies within the agreed policy term.
life
Unit-Linked Capital Life Insurance (GenerationenKonzept)
A unit-linked life insurance with a fixed payout date designed for tax-optimised wealth transfer to the next generation.
life
Unit-Linked Pension Insurance (VorsorgeKonzept Plus)
Flexible unit-linked private pension insurance investing in actively managed and sustainable fund strategies from Union Investment.
financial
Rental Deposit Guarantee (MietkautionsBürgschaft)
A surety bond that replaces the cash rental deposit or savings book, especially advantageous for young adults under 26.
property
Bank Safe Deposit Box Insurance
Protects valuables stored in a safe deposit box at a Volksbank or Raiffeisenbank branch.
pet
Dog Surgery Insurance
Covers veterinary surgery costs for dogs, protecting against high unexpected vet bills.
pet
Horse Surgery Insurance
Covers veterinary surgery costs for horses, providing financial protection for unexpected equine medical treatments.
other
PrivatPolice (Combined Home Package)
A bundled insurance package combining home contents, private liability, residential building, legal expenses insurance, and landlord protection in one policy.
other
Mobile Phone / Electronics Insurance (Handyversicherung)
Insurance for mobile phones and electronic devices against damage, theft, and defects.
cyber
Cyber Insurance for Companies
Comprehensive IT security and cyber risk insurance solution for businesses covering cyber attacks, data breaches, and IT disruptions.
property
Commercial Property / Business Contents Insurance
Insurance covering commercial properties, business inventory, and equipment against fire, water damage, burglary, and natural hazards.
liability
Commercial Liability Insurance
Protects businesses against third-party claims for personal injury, property damage, and financial loss arising from business operations.
life
Company Pension Scheme (bAV – Occupational Pension)
Occupational pension solutions for businesses including direct insurance, pension fund, and reinsurance cover arrangements.
property
Building Construction Insurance (Bauleistungsversicherung)
Covers unexpected property damage during construction projects such as vandalism, extreme weather events, and material damage.
financial
Landlord Rent Default Protection (SicherVermieten)
Protects landlords of residential properties against rent arrears and property damage caused by tenants.
Regulatory updates
In July 2025, BaFin approved the merger of R+V Direktversicherung AG (formerly branded as R+V24) into R+V Allgemeine Versicherung AG, consolidating the group's direct and general non-life insurance operations. Additionally, BaFin had previously granted R+V Allgemeine Versicherung AG approval to extend its direct insurance business (freedom-of-services basis) to Bulgaria and other countries. R+V Versicherung AG holds an A+ rating with stable outlook from Standard & Poor's.