Insurer profile
VGH Versicherungen (Landschaftliche Brandkasse Hannover / Provinzial Lebensversicherung Hannover)
VGH Versicherungen is a German public-law insurance group headquartered in Hannover, formed in 1957 through the merger of the Landschaftliche Brandkasse Hannover (founded 1750) and Provinzial Lebensversicherung Hannover (founded 1918), later joined by Provinzial Krankenversicherung and Provinzial Pensionskasse Hannover; it is the largest insurer in Lower Saxony, offering property, casualty, life, health and liability products to private and business customers.
Source- Legal entity
- VGH Versicherungen (Landschaftliche Brandkasse Hannover / Provinzial Lebensversicherung Hannover)
- Headquarters
- Hannover, Germany
- Parent group
- Öffentliche Versicherer / Sparkassen-Finanzgruppe (public-law insurer, no shareholders)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 800 1750 844
- service@vgh.de
- Founded
- 1750
- Last verified
- Aug 27, 2026
Products from VGH Versicherungen (Landschaftliche Brandkasse Hannover / Provinzial Lebensversicherung Hannover)
motor
Motor Vehicle Insurance
Liability, partial and comprehensive cover for cars.
motor
Motorcycle Insurance
Liability and casco insurance for motorcycles.
motor
Moped/Scooter Insurance
Mandatory liability insurance for mopeds and small motorbikes.
property
Bicycle Insurance
Insurance against theft and damage for bicycles and e-bikes.
motor
Camper/Caravan Insurance
Insurance for camper vans and caravans.
motor
Trailer Insurance
Insurance cover for trailers.
motor
E-Car Insurance
Motor insurance tailored to electric vehicles.
motor
Youngtimer/Oldtimer Insurance
Specialist cover for classic and youngtimer vehicles.
property
Home Contents Insurance
Covers household contents against fire, theft, water damage and more.
property
Residential Building Insurance
Insurance for residential buildings against fire, storm, water and natural hazards.
financial
Home Financing / Mortgage
Financing solutions for home purchase or construction.
property
Construction/Builder's Risk Insurance
Covers damage to buildings during the construction phase.
travel
Travel Health Insurance
Medical cover for illness or accident while travelling abroad.
travel
Trip Cancellation/Interruption Insurance
Covers costs from trip cancellation or curtailment.
liability
Private Liability Insurance
Covers claims arising from damage caused to third parties in private life.
liability
House and Property Owner Liability
Liability cover for owners of houses and land.
liability
Builder's Liability Insurance
Liability cover for building project owners.
liability
Water Damage Liability Insurance
Liability cover for damage to bodies of water, e.g. from oil tanks.
liability
Animal Owner Liability Insurance
Liability cover for damage caused by pets or animals.
liability
Hunting Liability Insurance
Liability cover for hunters.
liability
Boat Liability Insurance
Liability cover for owners of sport/leisure boats.
liability
Legal Expenses Insurance
Covers legal costs for private individuals and businesses in disputes.
cyber
CyberSchutz (Cyber Insurance)
Protects individuals and businesses against financial consequences of hacking, malware and data theft.
life
Risk/Term Life Insurance
Pays a lump sum to beneficiaries in case of death during the term.
life
Funeral Expense Insurance
Covers funeral costs upon death of the insured.
financial
Unit-Linked Pension Insurance
Retirement savings product linked to investment funds.
financial
Private Pension (PrivatRente)
Private retirement savings plan with flexible payout options.
financial
Basic Pension (BasisRente/Rürup)
Tax-advantaged basic pension retirement product.
health
Private Health Insurance
Full private health insurance for individuals.
health
Dental Supplementary Insurance
Supplementary insurance covering dental treatment costs.
health
Long-Term Care Supplementary Insurance
Supplementary insurance to cover long-term care costs.
health
Disability/Income Protection
Income protection insurance in case of occupational disability.
life
Existence Protection
Financial protection product for existential life risks.
health
Accident Insurance
Covers financial consequences of accidents causing injury or disability.
pet
Dog Liability Insurance
Mandatory-style liability insurance for dog owners in Lower Saxony.
pet
Horse Liability Insurance
Liability insurance covering damage caused by horses.
other
Bicycle Insurance
Worldwide cover for bicycles including theft, vandalism and fall damage.
Regulatory updates
VGH is supervised by BaFin, which publishes an annual complaints statistic by insurer and line of business. In the 2023 statistics, VGH recorded a low complaints ratio in building/property insurance (0.2 per 100,000 contracts, well below the industry average of 1.7), and it was not separately listed for legal-expenses insurance complaints that year. Nationally, BaFin reported a roughly one-third increase in overall complaints (46,400) in 2025, driven largely by claims-handling and customer-service issues across the industry rather than any specific VGH matter.
Reputation and reviews
Score fluctuates slightly between snapshots (1.6-1.7) as new reviews are added; based on de.trustpilot.com/review/vgh.de.
Offer pages
Motor third-party liability
VGH is a motor third-party liability insurance for the Germany market with online purchase and limited assistance availability.
Last verified Aug 28, 2026
Travel insurance
VGH is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026