Insurer profile

Versicherer im Raum der Kirchen (VRK) - group comprising VRK Versicherungsverein auf Gegenseitigkeit im Raum der Kirchen, VRK Sachversicherung AG, VRK Krankenversicherung AG and VRK Lebensversicherung AG

Versicherer im Raum der Kirchen (VRK) - group comprising VRK Versicherungsverein auf Gegenseitigkeit im Raum der Kirchen, VRK Sachversicherung AG, VRK Krankenversicherung AG and VRK Lebensversicherung AG · Germany

Founded 1882Kassel / Detmold, GermanyLast verified Aug 27, 2026

Overview

VRK (Versicherer im Raum der Kirchen) is a German insurance group specializing in coverage for people and institutions working in churches, Caritas, Diakonie and free welfare organizations, offering property/casualty, health and life insurance products under a shared ethical-sustainable investment philosophy.

Source

Products in this market

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Company details

Parent group: HUK-COBURG Versicherungsgruppe
Regulator: Federal Financial Supervisory Authority (BaFin)
Phone: +49 800 2153456
Email: [email protected]

Official website

Products from Versicherer im Raum der Kirchen (VRK) - group comprising VRK Versicherungsverein auf Gegenseitigkeit im Raum der Kirchen, VRK Sachversicherung AG, VRK Krankenversicherung AG and VRK Lebensversicherung AG

Motor

Motor liability insurance

Mandatory third-party motor liability insurance covering damage caused to others while driving.

Comprehensive/Partial motor insurance (Casco)

Own-damage motor insurance covering the policyholder's vehicle against theft, glass breakage, animal collision and other risks.

Motor breakdown assistance (Kfz-Schutzbrief)

Roadside assistance and breakdown cover add-on for VRK motor insurance customers.

Driver protection insurance (Fahrerschutz)

Add-on covering the driver's own personal injury in an at-fault accident.

Abroad damage protection (Ausland-Schadenschutz)

Extended motor claims protection when driving abroad.

Electric car insurance (E-Auto-Versicherung)

Motor insurance tailored to electric vehicles including battery and charging risks.

E-scooter insurance

Liability insurance for electric scooters.

S-Pedelec insurance

Mandatory liability insurance for fast pedelecs (S-Pedelecs).

Property

Bicycle insurance

Insurance covering theft and damage to bicycles and e-bikes.

Household contents insurance

Covers household contents against burglary, fire and other risks, including charging stations and balcony power plants.

Building/homeowners insurance

Covers the building itself against fire, storm and other structural damage.

Natural hazards cover (Elementarschutz)

Add-on covering natural hazards such as flooding, earthquake and landslide for home/building insurance.

Glass insurance

Covers glass breakage in windows, doors and conservatories as a supplement to building insurance.

Health

Private health insurance (full cover)

Comprehensive private health insurance for employees, self-employed and freelancers with extensive benefits.

Supplementary health insurance for civil servants (Beihilfe)

Supplements statutory Beihilfe entitlement of civil servants to 100% health cost coverage.

Company health insurance (bKV)

Employer-funded supplementary health insurance offered to employees as a tax-free benefit.

Dental supplementary insurance

Supplementary insurance covering dental treatment costs not fully paid by statutory health insurance.

Outpatient supplementary insurance

Supplementary insurance covering outpatient treatment costs beyond statutory health insurance.

Long-term care daily allowance insurance

Pays a fixed monthly allowance in the event of long-term care need.

Care assistance service (Pflege-Assistance)

Advisory and organisational support service for long-term care situations.

State-subsidised supplementary care insurance (Pflege-Bahr)

State-subsidised supplementary long-term care insurance (Pflege-Bahr) to reduce financial burden in case of care need.

Liability

Private liability insurance

Covers claims from third parties for damage caused by the policyholder in private life, worldwide up to 100 million euros.

House and property owner's liability insurance

Covers liability claims arising from ownership of land or buildings, separate from private liability insurance.

Builder's liability insurance

Covers liability claims by third parties arising during construction work.

Official and financial loss liability insurance

Liability cover for board members and officeholders (e.g. in associations) against financial loss claims.

Legal expenses insurance

Covers legal and court costs for disputes involving family, traffic, employment and other matters.

Traffic legal protection insurance

Legal expenses cover for disputes related to traffic incidents, fines and vehicle purchase disputes.

Travel

Travel health insurance abroad

Covers medical treatment costs incurred while travelling abroad.

Trip cancellation insurance

Covers costs if a trip must be cancelled due to illness or accident.

Seminar cancellation insurance

Covers cancellation costs for booked seminars or training courses.

Life

Occupational disability insurance

Provides an income replacement pension if the policyholder becomes unable to work in their profession.

Existence protection insurance (Existenzschutz)

Alternative income protection product for loss of earning capacity.

Civil servant incapacity insurance

Pays a pension replacing lost service pay if a civil servant becomes unfit for duty.

Term life insurance

Pays a lump sum to beneficiaries upon the death of the insured during the policy term.

Funeral expense insurance

Provides a lump-sum benefit on death to cover funeral costs, available between age 50 and 80 without health check.

Financial

Premium pension (Rürup pension)

Sustainable retirement provision product invested in an ethical-sustainable fund.

Immediate annuity (Sofortrente)

Annuity product providing an immediate regular pension payment against a lump-sum contribution.

Occupational pension provision (bAV)

Employer-sponsored pension provision scheme for employees, often via a support fund (Unterstützungskasse).

Pet

Pet liability insurance

Liability insurance covering damage caused by the policyholder's pet to third parties.

Pet health insurance

Health insurance for pets covering veterinary treatment costs.

Accident

Accident insurance Classic

Provides capital and pension benefits in the event of permanent disability from an accident, worldwide cover.

Children's accident insurance

Accident insurance tailored for children.

Senior accident insurance

Accident insurance tailored for senior citizens.

Accident assistance service (Unfallschutzbrief)

Assistance service providing support after an accident.

Accident insurance for people with intellectual disabilities

Accident cover tailored for people with intellectual disabilities.

Group accident insurance

Accident insurance for groups such as employees or volunteers of an institution.

Regulatory updates

VRK's operating entities (VRK Sachversicherung AG, VRK Krankenversicherung AG, VRK Lebensversicherung AG, VRK VVaG) are supervised by BaFin. In February 2003 BaFin approved a restructuring of the VRK group into stock corporations under the VRK Holding GmbH, and in September 2019 the group's traditional brand names (Bruderhilfe, Familienfürsorge, Pax-Familienfürsorge) were formally renamed to VRK Sachversicherung AG, VRK Lebensversicherung AG and VRK Krankenversicherung AG respectively. Each entity publishes annual Solvency and Financial Condition Reports (SFCR) as required under Solvency II.