Insurer profile

Württembergische Gemeinde-Versicherung a. G. (WGV Group)

Württembergische Gemeinde-Versicherung a. G. (WGV Group) · Germany

Founded 1921Stuttgart, GermanyLast verified Aug 27, 2026

Overview

WGV is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) headquartered in Stuttgart. Founded in 1921, it acts as a municipal insurer (Kommunalversicherer) for cities, municipalities and public-sector bodies in the historic region of Württemberg, while its subsidiaries WGV-Versicherung AG and WGV-Lebensversicherung AG offer nationwide retail insurance for private customers.

Source

Products in this market

Offer pages

Company details

Parent group: WGV Gruppe
Regulator: Federal Financial Supervisory Authority (BaFin), Insurance Division
Phone: +49 711 1695-1500
Email: [email protected]

Official website

Products from Württembergische Gemeinde-Versicherung a. G. (WGV Group)

Motor

Motor Third-Party Liability Insurance

Mandatory liability cover for damages caused to third parties with a motor vehicle, with coverage up to €100 million per claim.

Comprehensive/Partial Motor Insurance (Kasko)

Optional own-damage cover for the insured's own vehicle, available as partial or fully comprehensive cover.

YoungDriver Insurance

Cheaper daily-cancellable alternative to adding a young driver to an existing car policy.

Motorhome Insurance

Motor liability and Kasko cover tailored to motorhomes, including off-season rest cover.

Auto Protection Letter (Schutzbrief)

Add-on roadside assistance and breakdown service bundled with the motor insurance.

Property

Home Contents Insurance

Covers household contents against fire, burglary, storm and other perils, optionally with a natural-hazards module.

Building Insurance

Covers residential buildings against fire, water damage, storm and hail, with optional natural-hazards cover.

Glass Insurance (add-on)

Add-on to home contents or building insurance covering breakage of glass surfaces.

SmartStart Home Contents Insurance

Home contents insurance designed for young people starting their first own apartment.

Bicycle Insurance

Covers bicycles against theft, vandalism, falls or transport damage.

Musical Instrument Insurance

Worldwide all-risk cover for musical instruments against loss, theft, vandalism, falls or transport damage.

Municipal Property Insurance

Covers buildings, contents, glass, forest-fire, exhibition, tent, musical instrument, transport, key-loss and all-risk perils for municipal members.

Technical Insurance (Electronics/Machinery)

Specialty cover for technical equipment and installations via electronics and machinery insurance.

Business Interruption / Additional Cost Insurance

Covers loss of income and additional costs for municipal facilities following a covered property damage event.

Health

Accident Insurance

Pays a lump sum or annuity in case of permanent disability or death caused by an accident.

Accident Cover 50 Plus

Accident insurance for people aged 50+ paying a lump sum for femoral neck fracture and providing care assistance services.

Supplementary Health Insurance (Dental/Inpatient/Outpatient)

Supplementary private health cover topping up statutory health insurance for dental, inpatient and outpatient treatment.

Municipal Accident Insurance

Accident cover for municipal employees and volunteers.

Liability

Private Liability Insurance

Covers claims from third parties for personal injury, property damage or financial loss caused in everyday private life.

House and Land Owner Liability Insurance

Liability cover for property owners against claims arising from ownership of a house or land.

Pet Owner Liability Insurance

Liability cover for dog and horse owners against damage caused by their animals.

Building-Owner Liability Insurance

Protects building owners against unforeseen damage or destruction of the construction project, e.g. from storm or vandalism.

Public-Sector Employee Liability Insurance

Occupational liability cover for public-sector employees against professional liability risks.

Legal Expenses Insurance (Private, Professional, Traffic)

Covers the costs of legal disputes in private, professional and traffic-related matters.

Starter Legal Expenses Insurance

Legal expenses cover for young people aged 18-30 with no waiting period.

Municipal Liability Insurance

Liability insurance for municipalities, communal enterprises and church/social institutions.

D&O Insurance

Directors & officers liability cover for executives of municipally owned companies such as GmbH or AG.

Fidelity/Trust Damage Insurance

Covers financial losses to municipal bodies caused by fraudulent acts of employees.

Travel

Travel Health Insurance Abroad

Covers medical treatment, hospitalisation and medical repatriation while travelling abroad, offered in cooperation with Europ Assistance.

Premium Travel Insurance

Bundles all benefits of the travel health insurance with trip cancellation/curtailment cover.

Trip Cancellation and Curtailment Insurance

Provides cover for costs incurred when a trip must be cancelled or cut short.

Baggage Insurance

Covers loss, theft or damage to luggage while travelling; included in home contents cover from the 2024 tariff.

Life

Term Life Insurance

Pays a lump sum to beneficiaries in the event of the insured's death during the policy term.

Endowment Life Insurance

Combines savings for retirement with immediate death-benefit cover.

Funeral Expense Insurance

Provides financial protection to cover costs after death, allowing for a dignified farewell.

Private Pension Insurance

Private annuity insurance to close pension gaps and secure lifelong additional income.

Disability Insurance

Provides an income or premium waiver if the insured becomes permanently unable to work in their profession.

SmartStart Disability Insurance

Disability insurance tailored for young people entering their careers.

Financial

Occupational Pension Scheme

Employer-supported deferred-compensation savings plan for retirement with tax advantages.

Pet

Pet Surgery Insurance

Covers veterinary surgery costs for pets.

Cyber

Private Cyber Insurance

Household-wide, daily-cancellable cover against financial loss and liability arising from cyber incidents, from about €3.99/month.

SmartStart Cyber Insurance

Cyber insurance tailored for young people starting their first apartment or studies.

Municipal Cyber Insurance

Cyber risk cover offered to municipalities and communal institutions.

Regulatory updates

WGV and its group companies remain supervised by BaFin (Graurheindorfer Str. 108, 53117 Bonn). According to BaFin's 2023 complaint statistics reviewed by third-party analysts, WGV received only three complaints in its legal-expenses line against a portfolio of about 495,113 policies, a complaint ratio of 0.6 per 100,000 contracts, while its building insurance line had three complaints against 130,720 contracts (2.3 per 100,000), slightly above the industry average of 1.7. Independent rating agency Franke und Bornberg rated WGV's OPTIMAL legal-expenses tariff "sehr gut" (very good) in 2025, and ServiceValue's 2024 fairness survey gave WGV an overall "gut" (good) rating for legal-expenses and building insurance.