Germany

ADAC Versicherung AG is the insurance arm of Germany's largest automobile club, ADAC. Founded in 1972 as ADAC Schutzbrief-Versicherungs AG, it grew from providing travel assistance cover into a broad insurance group offering motor, travel, health, home, liability, accident and legal protection products, often in cooperation with partners such as Allianz and Zurich.

AdmiralDirekt.de GmbH is a German direct motor insurer founded in 2007, originally the German branch of the British Admiral Group plc and, since 2011, a wholly owned subsidiary of Itzehoer Versicherung/Brandgilde von 1691 VVaG.

Allianz Deutschland AG is Germany's leading insurance company, operating as a holding umbrella for Allianz Versicherungs-AG (property & casualty), Allianz Lebensversicherungs-AG (life), and Allianz Private Krankenversicherungs-AG (health). Founded in 1890, it serves over 20 million customers in Germany with a full range of insurance, pension, and wealth management products.

Allianz Direct Versicherungs-AG, headquartered in Munich, is the digital direct insurance subsidiary of Allianz SE, offering online motor, liability, home and travel insurance across several European markets including Germany.

Allianz Reiseschutz (Allianz Travel) is the German travel insurance brand operated by AWP P&C S.A., Niederlassung für Deutschland, a branch of the French company AWP P&C S.A. within the Allianz Partners / Allianz Global Assistance network, itself part of Allianz SE. It offers trip cancellation, travel medical, luggage, rental-car and assistance insurance products for private and business travellers in Germany.

Alte Leipziger is a long-established German insurance and financial services group tracing its roots to the 1819 Leipziger Feuer-Versicherungs-Anstalt, today organized as a mutual (VVaG) alongside Hallesche within the ALH Gruppe, offering life, health, property/casualty and financial products.

ALTE OLDENBURGER Krankenversicherung AG is a private health insurer headquartered in Vechta, Lower Saxony, founded in 1927 as the 'Bäuerliche Krankenkasse'. It operates nationwide as a broker-focused insurer offering private full health insurance, mandatory long-term care insurance and supplementary health insurance products, and since 2007 forms a health insurance group together with Provinzial Krankenversicherung Hannover AG under holding company ALTE OLDENBURGER Beteiligungsgesellschaft AG.

ARAG SE is a European insurance group headquartered in Düsseldorf, the largest family-owned insurance company in Germany and considered the largest legal expenses insurer in the world, offering legal protection, health, composite (property/casualty), accident and other insurance products through its group companies.

AXA Konzern AG is one of the largest primary insurers and financial services providers in Germany, offering property and casualty, health, life, pension and asset management products to private and corporate customers; it is the German arm of the French AXA Group and traces its roots to the Colonia Versicherungsgruppe founded in Cologne in 1839.

Baloise in Germany comprises Baloise Sachversicherung AG Deutschland (Bad Homburg) and Baloise Lebensversicherung AG Deutschland (Hamburg), offering property/casualty and life insurance to private and corporate customers as part of the Swiss Baloise Group, which historically traces back to the 1863 founding of Basler Versicherungen and its German roots including Deutscher Ring and Securitas.

Barmenia Versicherungen a.G. is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) that, since September 2024, forms part of the BarmeniaGothaer group following its merger with Gothaer; until 2024 Barmenia was an independent insurance group with about 3,600 employees and premium income of EUR 2.9 billion, offering health, life, motor, liability and property insurance for private and corporate customers.

BarmeniaGothaer is a German insurance group headquartered in Cologne and Wuppertal, formed in 2024 through the merger of the mutual insurers Barmenia and Gothaer.

BavariaDirekt Versicherung AG is a German direct (online) insurer, formerly known as Ostdeutsche Versicherung AG (OVAG), founded in Berlin in 1991 and fully owned since 2005 by Versicherungskammer Bayern; it markets private-customer insurance products under the BavariaDirekt online brand and is part of the Sparkassen-Finanzgruppe.

BD24 Berlin Direkt Versicherung AG is a digital direct insurer based in Berlin-Kreuzberg. It is a subsidiary of HanseMerkur based in Berlin-Kreuzberg, and is a young international insurer that sees itself as a digital pioneer within the HanseMerkur Group, offering a variety of new and innovative products alongside traditional insurance lines. The company is registered with the Amtsgericht Charlottenburg (Berlin) under the number HRB 152599 B.

<cite index="3-1">The BGV Badische Versicherungen insurance group, headquartered in Karlsruhe, is an insurance association founded in 1923.</cite> <cite index="2-4">The Badische Gemeinde-Versicherungs-Verband (BGV), founded in 1923, is the specialist insurer for municipalities in Baden and also the market leader in insuring the public sector there.</cite> <cite index="2-5">For private and corporate customers the group offers property, accident, liability, motor and legal protection insurance, as well as, together with strong cooperation partners, individual solutions in retirement provision, financial services and health insurance.</cite>

The Ostfriesische Landschaftliche Brandkasse is a public-law regional insurer based in Aurich that has operated since 1754, making it one of the oldest insurance institutions in the world; it operates primary insurance for household contents, buildings, accident, motor, commercial, property and liability insurance in the East Frisia region, with other lines sold through cooperation partners such as VGH, LBS, ÖRAG and UKV.

Concordia is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) headquartered in Hanover, founded in 1864 and offering property/casualty, life, health and legal-protection insurance for private individuals, self-employed people, farmers and businesses through itself and its subsidiaries.

Continentale is a German mutual insurance group (Versicherungsverbund auf Gegenseitigkeit) headquartered in Dortmund, with its top company Continentale Krankenversicherung a.G. founded in 1926 by advocates of naturopathy. The group is not a conventional corporation but a mutual association, comprising several independent insurers including Continentale Krankenversicherung, Continentale Lebensversicherung, Continentale Sachversicherung, the EUROPA companies and Mannheimer Versicherung, offering private customers and small/medium businesses insurance across health, life and property/casualty lines.

CosmosDirekt is a group of legally independent companies based in Saarbrücken that sells and services insurance exclusively directly, without field agents; it has belonged to the insurer Generali Deutschland since 1998 and is Germany's largest direct insurer and largest term life insurer.

DA Direkt is an online direct insurer and a subsidiary of Zurich Gruppe Deutschland, offering household, motor, personal liability, legal protection, pet, accident, dental and health supplementary insurance products sold online and by phone.

DBV Deutsche Beamtenversicherung is a specialist insurance brand of the AXA Group in Germany, dedicated to civil servants (Beamte), public sector employees, teachers, police, soldiers and their families, offering tailored insurance and pension products; it traces its roots to 1871 as a life insurance institution for the army and navy and today operates as branches of AXA's life, non-life and health insurance companies.

Debeka is one of Germany's largest insurance groups, founded in 1905 as a mutual aid fund for civil servants. Organised as a Versicherungsverein auf Gegenseitigkeit (mutual insurance association), it is owned exclusively by its over 7.7 million members and offers health, life, property, motor, travel, and legal expenses insurance, as well as building society savings products. It is Germany's largest private health insurer and ranks among the top five in the German insurance and building society sector.

DFV Deutsche Familienversicherung AG is a German joint-stock insurance company headquartered in Frankfurt am Main, operating as a fully digital direct insurer focused on health supplementary, care, accident, pet and property insurance products for private customers.

DEVK Versicherungen is a major German insurance group founded in 1886 by railway workers in Breslau, headquartered in Cologne. It is structured as a Versicherungsverein auf Gegenseitigkeit (mutual insurance association) and serves around 4.2 million customers with roughly 15 million insured risks across all lines of insurance, including motor, property, liability, health, life and commercial products.

die Bayerische is a German mutual insurance group headquartered in Munich-Neuperlach, tracing its roots back to 1858. It is a member of the German Insurance Association (GDV) and offers life insurance, property/casualty insurance (motor, liability, legal protection, accident) and supplementary health insurance to private and business customers nationwide.

DKV Deutsche Krankenversicherung AG is a German private health insurer headquartered in Cologne, founded in 1927 and one of the largest private health insurers in Germany and Europe, offering full private health cover, supplementary health insurance, long-term care, travel health, daily sickness allowance and group/company health insurance products; it has been part of the ERGO Group since 1998.

ENVIVAS Krankenversicherung AG is a 100% subsidiary of Generali Deutschland Holding AG based in Cologne that exclusively offers private supplementary health insurance products to statutorily insured members of Techniker Krankenkasse (TK).

ERGO Group AG is one of the leading insurance groups in Germany and Europe, wholly owned by Munich Re. In Germany, it operates under the ERGO and DKV brands offering a broad portfolio of property & casualty, life, health, travel, and legal expenses insurance for private and corporate customers through multiple sales channels.

ERGO Reiseversicherung AG is the travel-insurance specialist of the ERGO Group and thus belongs to Munich Re, one of the world's leading reinsurers and risk carriers, offering trip cancellation, travel medical, baggage and other travel protection products worldwide.

EUROPA Versicherung is a German direct insurer based in Cologne, part of the Continentale Versicherungsverbund, offering private customers property, casualty, motor and life insurance products under the motto "Versicherung pur".

EUROPA-go is the pure online car insurance brand of EUROPA Versicherung AG, launched in July 2014, offering motor liability, comprehensive and third-party partial cover contracts handled entirely online. EUROPA Versicherung AG itself is a direct insurer founded as part of the Europa group (whose roots go back to 1959) and is fully part of the Continentale Versicherungsverbund.

Europ Assistance is a global assistance and insurance provider founded in Paris in 1963, wholly owned by the Generali Group. Its German branch, opened in Munich in 1980 with a second site in Rostock since 2007, offers travel, mobility, cyber and assistance insurance products to private and corporate customers.

Feuersozietät Berlin Brandenburg is the second-oldest insurance company in Germany, founded in 1718 in Berlin by Prussian King Frederick William I. Together with its sister company Öffentliche Lebensversicherung Berlin Brandenburg, it is a wholly-owned subsidiary of the Versicherungskammer group, belongs to the public insurers, and is part of the Sparkassen-Finanzgruppe.

GARANTA Versicherungs-AG is a German property and casualty insurer headquartered in Nuremberg. It has offered special insurance products as a professional insurer for the motor vehicle trade, its companies, employees and customers since 1985, and is a wholly owned subsidiary of NÜRNBERGER Allgemeine Versicherungs-AG, operating in Germany and Austria.

Generali Deutschland AG is the German holding company of the Assicurazioni Generali Group, the second largest primary insurance group in Germany. With premium income of approximately €15.5 billion and more than 9 million customers, it operates under the brands Generali, CosmosDirekt and Dialog in the life, health, and property/casualty insurance segments. Products are distributed exclusively through Deutsche Vermögensberatung (DVAG) and direct/broker channels.

GVV Kommunalversicherung VVaG is a German mutual insurer founded in 1911 by municipalities in the Rhineland-Westphalia region as a self-help risk community, providing liability, vehicle, accident, property and technical insurance for cities, municipalities, districts, municipal enterprises and savings banks. Its wholly owned subsidiary, GVV Direktversicherung AG (GVV Direkt), sells motor, home, liability, accident and legal protection insurance directly to public-sector employees, volunteer firefighters and, since June 2015, the general public.

Hallesche Krankenversicherung is a German private health insurer organized as a mutual insurance association (VVaG), headquartered in Stuttgart, offering comprehensive private health, supplementary health, long-term care and travel health insurance products, and forming a co-ordination group (Gleichordnungskonzern) with Alte Leipziger Lebensversicherung since 1994.

<cite index="2-1,2-3">The Hannoversche Lebensversicherung AG, also known as Hannoversche (formerly Hannoversche Leben), is a German insurance company that is particularly active in the area of protection against life risks, and is a wholly owned subsidiary of the VHV Group.</cite> <cite index="10-12">It is the oldest direct insurer in the country.</cite>

HanseMerkur is an independent, group-unaffiliated German insurance group headquartered in Hamburg, founded in 1875 as a health and burial support association. It is organized as a mutual insurance association (VVaG) and is a mid-sized personal insurer focused on health, travel, life/pension, accident and property insurance, and is the market leader in travel insurance in Germany.

HDI Versicherung AG is one of Germany's largest and most well-known insurers, part of the Talanx Group, offering a broad range of insurance and financial services to private and business customers.

Helvetia is a Swiss insurance group that has been active in Germany since 1862, offering property, liability, accident, motor, transport and life insurance to private and commercial customers. Following the December 2025 merger of Helvetia Holding AG and Baloise Holding AG into Helvetia Baloise Holding AG, the German operations of both groups now operate jointly under the Helvetia brand, with the main administration based in Bad Homburg alongside further locations including Frankfurt, Hamburg, Bremen, Karlsruhe and Nuremberg.

HUK-COBURG is one of Germany's largest insurance groups, organized as a mutual insurance association (Versicherungsverein auf Gegenseitigkeit). Founded in 1933, it is Germany's largest motor vehicle insurer with around 14 million insured vehicles and over 13 million customers. It offers a broad range of insurance products for private households, including motor, liability, household, property, health, life, legal protection, and travel insurance.

HUK24 AG is a German direct (online-only) insurer based in Coburg and a subsidiary of the HUK-Coburg insurance group, distributing insurance exclusively via its own website without intermediaries or comparison portals, and describes itself as Germany's largest direct insurer with almost 5.7 million contracts.

INTER Versicherungsgruppe is an independent German mutual insurance group headquartered in Mannheim, offering private health, life, property and liability insurance to private and commercial customers, with a traditional focus on craftsmen and medical professionals.

Itzehoer Versicherungen is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) founded in 1906 in Elskop, Schleswig-Holstein, offering a broad range of property/casualty, life, health, legal protection and financial products mainly to customers in northern Germany, with nationwide broker distribution and subsidiaries such as AdmiralDirekt.de GmbH and Itzehoer Lebensversicherungs-AG.

Janitos Versicherung AG is a German insurance company based in Heidelberg and a wholly-owned subsidiary of Gothaer Allgemeine Versicherung AG, specializing in property/casualty lines and distributing its products exclusively through independent insurance brokers in Germany and Austria.

KRAVAG is a specialist insurer for the German road transport and logistics industry and is part of the R+V insurance group; it consists of the three legally independent companies KRAVAG-ALLGEMEINE, KRAVAG-SACH and KRAVAG-LOGISTIC, with KRAVAG-LOGISTIC being market leader in commercial freight transport insurance in Germany while KRAVAG-ALLGEMEINE focuses on private motor insurance.

Lippische Landesbrandversicherung AG is a regionally active, public-law composite insurer headquartered in Detmold (Kreis Lippe), operating mainly within the Lippe district; it has been part of the Provinzial Group since 2009 and became an AG (stock corporation) within Provinzial Holding in 2020.

LVM Versicherung is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) headquartered in Münster, offering insurance, retirement planning and financial services; every policyholder is simultaneously a member of the association and there are no shareholders.

Founded in 1797 in Neubrandenburg, Mecklenburgische is the oldest German private insurance company with nationwide operations and the oldest still-existing hail insurer in the world; it is organized as a mutual insurance association (VVaG) headquartered in Hanover, offering property, liability, life and health insurance to private individuals, farmers and businesses across Germany through around 800-900 exclusive agencies.

Münchener Verein is an independent German insurance group headquartered in Munich-Ludwigsvorstadt, founded in 1922 as a mutual self-help institution for craftsmen and trade, offering a broad range of health, life and property/casualty insurance products for private and commercial customers as a mutual insurance association (VVaG) without external shareholders.

Neodigital Versicherung AG is a German digital property and casualty (Schaden- und Unfall) insurer founded in December 2016 by Stephen Voss and Dirk Wittling, focused on fully digitized processes and, more recently, on providing an Insurance-as-a-Service technology platform to other insurers.

Neodigital Autoversicherung AG is a fully digital German motor insurer that was launched in March 2023 as a joint venture between insurtech Neodigital Versicherung AG and HUK-COBURG Holding AG, offering third-party liability, partial and comprehensive motor cover with a fully digital, white-label-capable sales and administration model; since June 2025 it has become a wholly owned subsidiary of HUK-COBURG.

Nürnberger Versicherung is a German insurance company headquartered in Nuremberg that operates in the life, private health, property/casualty and auto insurance segments as well as in the financial services sector, primarily in Germany and Austria.

Öffentliche Versicherung Braunschweig is a regional public-law insurer (Anstalt des öffentlichen Rechts) based in Braunschweig, tracing its roots to the Braunschweigische Landesbrandversicherungsanstalt founded in 1754 by Herzog Carl I., and operating almost exclusively within the historic Braunschweig region offering property, motor, liability, life, health, travel and accident insurance as well as financial services.

Öffentliche Versicherungen Oldenburg is a regional public-law insurer based in Oldenburg, formed by the Oldenburgische Landesbrandkasse and the Öffentliche Lebensversicherungsanstalt Oldenburg, offering property, motor, life, health, liability and commercial insurance across the Oldenburger Land region of Lower Saxony.

ÖSA (Öffentliche Versicherungen Sachsen-Anhalt) is a regional public-law insurer consisting of the Öffentliche Feuerversicherung Sachsen-Anhalt and the Öffentliche Lebensversicherung Sachsen-Anhalt, based in Magdeburg and belonging to the Sparkassen-Finanzgruppe. It is the only insurer headquartered in Saxony-Anhalt and offers a full range of property, motor, life, health, liability, legal-protection and pet insurance products to private customers, businesses and municipalities.

ÖVB Versicherungen is the regional insurance brand for Bremen and Bremerhaven, operated by VGH (Landschaftliche Brandkasse Hannover) as parent company since 2019, offering a full range of property, personal and liability insurance products.

PassportCard Europe GmbH, based in Hamburg, is the German arm of the international PassportCard/DavidShield Group, offering long-term international health insurance for expats, digital nomads, students and emigrants, distinguished by its real-time prepaid payment card that lets customers settle medical bills abroad without paying upfront.

Rhion Versicherung AG, marketed since 2018 under the brand name rhion.digital, is a German composite insurer founded in 2005 as the dedicated broker-distribution risk carrier within the RheinLand Versicherungsgruppe, a family-owned insurance group based in Neuss that has operated since 1880.

R+V Versicherung AG is one of the largest insurance companies in Germany, serving approximately 9 million private and corporate customers. As part of the Cooperative Financial Group of Volksbanken Raiffeisenbanken with DZ BANK AG as its main shareholder, it offers a comprehensive range of insurance and financial products across all major lines.

SDK - Süddeutsche Krankenversicherung a. G. is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) headquartered in Fellbach near Stuttgart, specializing in private health insurance and supplementary health products, and part of the SDK Versicherungsgruppe together with Süddeutsche Lebensversicherung a.G. and Süddeutsche Allgemeine Versicherung a.G.

SIGNAL IDUNA is a German insurance and financial services group formed in 1999 through the merger of Dortmund-based Signal Versicherungen and Hamburg-based Iduna Nova Group, offering health, life, property/casualty insurance and financial services (banking, building savings, asset management) to private and corporate customers.

Sparkassen DirektVersicherung AG (S-Direkt) is a direct insurer of the Sparkassen-Finanzgruppe headquartered in Düsseldorf, specialised in motor insurance for private customers but also offering household contents, personal liability and accident insurance, with additional products distributed via cooperation partners.

SV SparkassenVersicherung is a German regional insurer that bundles the insurance offering of the savings bank organizations (Sparkassen) in Baden-Württemberg, Hesse, Thuringia and parts of Rhineland-Palatinate, formed in 2004 through the merger of several regional public insurers whose roots go back over 250 years, and it is one of Germany's leading building/home insurers.

Sparkassen-Versicherung Sachsen is a public regional insurer headquartered in Dresden, active exclusively in the Free State of Saxony in cooperation with the Saxon savings banks (Sparkassen).

UKV is a private health insurer headquartered in Saarbrücken that offers private health, supplementary, long-term care, corporate and travel health insurance and is part of the Sparkassen-Finanzgruppe within Konzern Versicherungskammer, Germany's largest public-sector insurance group.

uniVersa Versicherungen is a German mutual insurance group based in Nuremberg, formed by uniVersa Krankenversicherung a.G. (founded 1843, the oldest private health insurer in Germany), uniVersa Lebensversicherung a.G. and their subsidiary uniVersa Allgemeine Versicherung AG, offering health, life, motor, property and liability insurance to private households and SMEs.

URV – Union Reiseversicherung AG is a German travel insurer founded in 2001 as the joint travel insurance company of the public insurers (öffentliche Versicherer) and savings banks (Sparkassen), based in Munich and part of the Versicherungskammer group.

Verti Versicherung AG is a direct insurer headquartered in Teltow near Berlin, part of the Spanish MAPFRE Group since 2015, and is Germany's second-largest direct motor insurer, offering vehicle, liability and life insurance products.

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.

VHV Group is a German insurance and reinsurance group based in Hannover, formed in 2003 through the merger of insurers rooted in the Hannover region, with core legacy companies dating back to 1875 and 1919. It operates as a multi-brand group (VHV Versicherungen, Hannoversche) and is the mutual parent (VHV a.G.) controlling VHV Holding SE, active in motor, construction/property, liability, accident and life insurance for private and commercial clients in Germany and internationally.

vigo Krankenversicherung VVaG is an independent German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) headquartered in Düsseldorf, specializing in supplementary private health, dental, hospital, long-term care and travel health insurance for members of the statutory health insurance system rather than full private health insurance.

Versicherungskammer Bayern (VKB) is a public-law insurance institution and the largest public insurer in Germany, part of the Sparkassen-Finanzgruppe.

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.

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.

Württembergische Versicherung AG is a traditional German property and casualty insurer founded in 1828 as the Württembergische Privat-Feuer-Versicherungs-Gesellschaft, the first private property insurance company in Southern Germany. It is part of the Württembergische Insurance Group, together with Württembergische Lebensversicherung AG and Württembergische Krankenversicherung AG, and belongs to the Wüstenrot & Württembergische (W&W) financial services group headquartered in Kornwestheim.

Würzburger Versicherungs-AG is a German niche insurer founded in 1989, specializing in tailored insurance products for private customers, including travel insurance (under the TravelSecure brand), liability, accident, household contents and dental supplementary insurance. The company describes itself as independent and not subject to the constraints of large corporate groups.

Wüstenrot & Württembergische AG (W&W Group) is a listed German financial services holding company formed in 1999 from the merger of the building society Wüstenrot and the insurer Württembergische, offering home loan savings, banking, and a wide range of life, health, and property/casualty insurance products through subsidiaries such as Württembergische Versicherung AG, Württembergische Lebensversicherung AG, Württembergische Krankenversicherung AG, Wüstenrot Bausparkasse AG and the digital brand Adam Riese.

WWK Versicherungsgruppe is a German insurance group headquartered in Munich, consisting mainly of WWK Lebensversicherung a.G. (the mutual parent company), WWK Allgemeine Versicherung AG, WWK Pensionsfonds AG, WWK Unterstützungskasse e.V. and WWK Investment S.A. Its core business is fund-linked (unit-linked) life insurance and hybrid pension products, and it ranks among the top life insurers in Germany.

Zurich Gruppe Deutschland is one of Germany's leading insurers, founded in 1875 in Berlin and part of the globally active Zurich Insurance Group. With premium income of over EUR 6.2 billion and around 5,300 employees in Germany, Zurich offers life, property, and personal insurance for private, commercial, and industrial customers. 38 of 40 DAX companies are insured with Zurich.