Insurer profile
Versicherungskammer Bayern, Institution under Public Law
Versicherungskammer Bayern (VKB) is a public-law insurance institution and the largest public insurer in Germany, part of the Sparkassen-Finanzgruppe.
Source- Legal entity
- Versicherungskammer Bayern, Institution under Public Law
- Headquarters
- Maximilianstraße 53, 80538 Munich, Germany
- Parent group
- Konzern Versicherungskammer (Sparkassen-Finanzgruppe)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 89 2160-0
- service@vkb.de
- Founded
- 1811
- Last verified
- Aug 27, 2026
Products from Versicherungskammer Bayern, Institution under Public Law
motor
Car Insurance (Motor Liability)
Mandatory motor third-party liability insurance for cars.
motor
Comprehensive Motor Insurance (Kasko)
Optional own-damage cover (partial/fully comprehensive) for vehicles, including a PLUS module.
motor
Motorcycle Insurance
Liability and casco insurance for motorcycles.
motor
Moped/Scooter Insurance
Liability insurance plate for mopeds, scooters and mofas.
motor
Roadside Assistance Cover
Breakdown and accident roadside assistance protection letter for vehicles.
motor
Camping Vario Insurance (Motorhomes/Caravans)
Vehicle cover for motorhomes, caravans and camping buses.
liability
Private Liability Insurance
General personal liability insurance for private individuals.
liability
Dog Liability Insurance
Liability cover for damages caused by dogs, with multi-pet discounts.
liability
Property Owner Liability Insurance
Liability insurance for owners of real estate against third-party claims.
liability
Builder's Liability Insurance
Liability cover for building owners during construction projects.
liability
D&O Insurance
Directors and officers liability insurance for company management.
liability
Commercial/Professional Liability Insurance
Liability insurance for businesses and freelancers against third-party damage claims.
liability
Legal Protection Insurance
Legal expense insurance combining private, traffic, home and professional modules.
liability
Professional Legal Protection
Legal protection cover for employment-related disputes such as unfair dismissal or workplace conflicts.
liability
Builder's Legal Protection
Legal protection insurance for disputes arising during construction projects.
liability
Commercial Legal Protection Insurance
Legal expense insurance for companies covering court and lawyer costs.
property
Household Contents Insurance
Insurance for household contents against fire, water, theft and other damages.
property
Residential Building Insurance
Building insurance covering fire, storm, hail, and optional natural hazards for private homes.
property
Commercial Building Insurance
Building insurance for commercial property owners and businesses.
property
Business Contents Insurance
Insurance covering business fittings, stock and goods against fire, burglary, storm and hail.
property
Business Interruption Insurance
Covers fixed business costs and lost profit following an insured property damage event.
property
Business Closure Insurance
Covers costs and lost profits in case of official closure of hotels, restaurants or food businesses.
property
Natural Hazards Insurance for Businesses
Protects businesses financially against flood, snow load and other natural hazard damage.
property
GewerbeSchutz (Business Bundle Insurance)
Bundled commercial insurance package covering property, liability, business interruption and legal protection.
property
Technical Insurance
Insurance for machinery and technical equipment used by businesses.
property
Transport and Aviation Insurance
Insurance covering goods in transit and aviation-related risks.
financial
Credit and Surety Insurance
Insurance protecting against credit default and providing surety bonds.
cyber
Cyber Insurance
Protects businesses against financial losses from IT security breaches and cyberattacks, including liability, forensics and optional business interruption cover.
life
Term Life Insurance
Term life insurance providing financial protection for dependents in case of death.
life
Funeral Expense Insurance
Whole-life type insurance covering funeral costs upon death.
life
Education Insurance
Savings-linked life insurance to fund children's education.
life
Occupational Disability Insurance
Income protection insurance paying a pension if the policyholder becomes unable to work in their profession.
life
Basic Ability Insurance
Insurance paying a pension if the insured loses key physical or mental abilities.
life
Loss of Earnings Insurance
Income protection insurance compensating for loss of earnings due to incapacity.
health
Personal Accident Insurance
Private accident insurance providing benefits in case of accident-related disability or death.
health
Full Private Health Insurance
Full private health insurance for employees, self-employed and civil servants.
health
Supplementary Health Insurance
Supplementary health insurance covering dental, glasses, hospital comfort and more.
health
Civil Servant Supplementary Benefit Tariffs
Tariffs supplementing state allowances (Beihilfe) for civil servants' health costs.
health
Supplementary Long-term Care Insurance
Supplementary insurance covering additional long-term care costs.
health
Daily Sickness Allowance
Insurance paying a daily allowance during periods of incapacity to work due to illness.
travel
Travel Health Insurance Abroad
Health insurance covering medical costs incurred during travel abroad.
travel
Trip Cancellation and Curtailment Insurance
Insurance covering cancellation fees and costs from cutting a trip short.
pet
Pet Health Insurance
Health insurance for dogs, cats and horses covering veterinary treatment costs.
financial
State-Subsidized Pension (Riester)
State-subsidized private pension savings product.
financial
Private Pension Insurance
Private pension insurance for retirement provision.
financial
Rürup Pension
Basic state-subsidized pension product aimed at self-employed individuals.
financial
Immediate Annuity
Single-premium annuity providing an immediate lifelong pension.
financial
Junior Pension for Children
Pension savings product for children to build early retirement provision.
financial
Retirement Savings Depot
Fund-based investment depot for retirement savings.
financial
Occupational Pension Scheme
Employer-sponsored pension scheme for employees.
financial
Investment / Savings Products
Investment products for capital accumulation and savings.
other
Legal Expenses Insurance
Covers legal costs for lawyers, courts and mediation across areas such as housing, traffic and profession.
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
Motor casco
VKB is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Motor third-party liability
Versicherungskammer Bayern is a motor third-party liability insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
UKV is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026