Insurer profile
Versicherungskammer Bayern, Institution under Public Law
Versicherungskammer Bayern, Institution under Public Law · Germany
Overview
Versicherungskammer Bayern (VKB) is a public-law insurance institution and the largest public insurer in Germany, part of the Sparkassen-Finanzgruppe.
Source52
Products in this market
3
Offer pages
Company details
- Parent group
- Konzern Versicherungskammer (Sparkassen-Finanzgruppe)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 89 2160-0
- [email protected]
Products from Versicherungskammer Bayern, Institution under Public Law
Motor6
Car Insurance (Motor Liability)
Mandatory motor third-party liability insurance for cars.
Comprehensive Motor Insurance (Kasko)
Optional own-damage cover (partial/fully comprehensive) for vehicles, including a PLUS module.
Motorcycle Insurance
Liability and casco insurance for motorcycles.
Moped/Scooter Insurance
Liability insurance plate for mopeds, scooters and mofas.
Roadside Assistance Cover
Breakdown and accident roadside assistance protection letter for vehicles.
Camping Vario Insurance (Motorhomes/Caravans)
Vehicle cover for motorhomes, caravans and camping buses.
Property10
Household Contents Insurance
Insurance for household contents against fire, water, theft and other damages.
Residential Building Insurance
Building insurance covering fire, storm, hail, and optional natural hazards for private homes.
Commercial Building Insurance
Building insurance for commercial property owners and businesses.
Business Contents Insurance
Insurance covering business fittings, stock and goods against fire, burglary, storm and hail.
Business Interruption Insurance
Covers fixed business costs and lost profit following an insured property damage event.
Business Closure Insurance
Covers costs and lost profits in case of official closure of hotels, restaurants or food businesses.
Natural Hazards Insurance for Businesses
Protects businesses financially against flood, snow load and other natural hazard damage.
GewerbeSchutz (Business Bundle Insurance)
Bundled commercial insurance package covering property, liability, business interruption and legal protection.
Technical Insurance
Insurance for machinery and technical equipment used by businesses.
Transport and Aviation Insurance
Insurance covering goods in transit and aviation-related risks.
Health6
Personal Accident Insurance
Private accident insurance providing benefits in case of accident-related disability or death.
Full Private Health Insurance
Full private health insurance for employees, self-employed and civil servants.
Supplementary Health Insurance
Supplementary health insurance covering dental, glasses, hospital comfort and more.
Civil Servant Supplementary Benefit Tariffs
Tariffs supplementing state allowances (Beihilfe) for civil servants' health costs.
Supplementary Long-term Care Insurance
Supplementary insurance covering additional long-term care costs.
Daily Sickness Allowance
Insurance paying a daily allowance during periods of incapacity to work due to illness.
Liability10
Private Liability Insurance
General personal liability insurance for private individuals.
Dog Liability Insurance
Liability cover for damages caused by dogs, with multi-pet discounts.
Property Owner Liability Insurance
Liability insurance for owners of real estate against third-party claims.
Builder's Liability Insurance
Liability cover for building owners during construction projects.
D&O Insurance
Directors and officers liability insurance for company management.
Commercial/Professional Liability Insurance
Liability insurance for businesses and freelancers against third-party damage claims.
Legal Protection Insurance
Legal expense insurance combining private, traffic, home and professional modules.
Professional Legal Protection
Legal protection cover for employment-related disputes such as unfair dismissal or workplace conflicts.
Builder's Legal Protection
Legal protection insurance for disputes arising during construction projects.
Commercial Legal Protection Insurance
Legal expense insurance for companies covering court and lawyer costs.
Travel2
Life6
Term Life Insurance
Term life insurance providing financial protection for dependents in case of death.
Funeral Expense Insurance
Whole-life type insurance covering funeral costs upon death.
Education Insurance
Savings-linked life insurance to fund children's education.
Occupational Disability Insurance
Income protection insurance paying a pension if the policyholder becomes unable to work in their profession.
Basic Ability Insurance
Insurance paying a pension if the insured loses key physical or mental abilities.
Loss of Earnings Insurance
Income protection insurance compensating for loss of earnings due to incapacity.
Financial9
Credit and Surety Insurance
Insurance protecting against credit default and providing surety bonds.
State-Subsidized Pension (Riester)
State-subsidized private pension savings product.
Private Pension Insurance
Private pension insurance for retirement provision.
Rürup Pension
Basic state-subsidized pension product aimed at self-employed individuals.
Immediate Annuity
Single-premium annuity providing an immediate lifelong pension.
Junior Pension for Children
Pension savings product for children to build early retirement provision.
Retirement Savings Depot
Fund-based investment depot for retirement savings.
Occupational Pension Scheme
Employer-sponsored pension scheme for employees.
Investment / Savings Products
Investment products for capital accumulation and savings.
Regulatory updates
BaFin oversees Versicherungskammer Bayern as a public-law composite insurer; recent BaFin filings relate to changes in registered addresses of group entities (e.g., the Pensionskasse Konzern Versicherungskammer Bayern VVaG) and expansions of business scope for group companies such as the Pensionskasse Aktiengesellschaft. In 2021 BaFin approved the merger of the group's three life insurers under Bayern-Versicherung Lebensversicherung AG. BaFin's broader 2026 initiatives include a new circular on ransom insurance (Lösegeldversicherungen) and deregulation measures for insurers under the Standortfördergesetz.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from VKB for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Motor third-party liability
motor third-party liability insurance from Versicherungskammer Bayern for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
travel insurance from UKV for the Germany market, with online purchase and 24/7 assistance.
Last verified Aug 28, 2026