W&W-Gruppe

What W&W-Gruppe does

W&W-Gruppe (Wüstenrot & Württembergische AG) is a German diversified financial services conglomerate headquartered in Kornwestheim (near Stuttgart) that provides insurance and banking products to private individuals and corporate customers in Germany. The group's insurance arm is Württembergische Versicherung AG, founded in 1828 as Württembergische Privat-Feuer-Versicherungs-Gesellschaft and now one of Germany's largest property and casualty insurers, offering private liability, legal protection, motor, household contents, occupational disability, personal accident, dental supplementary, private health, life and pension, and nursing care insurance. Distribution is omnichannel: a nationwide network of Generalagenturen (field agents) and advisors provides face-to-face consultation, supplemented by an online customer portal, digital claims reporting, video consultation via Flexperto, an AI voice bot via Parloa, and broker/Makler channels. Marketing automation is handled through Salesforce Marketing Cloud, and a friend referral program is operated with aklamio.

The revenue model is subscription-recurring premiums across multiple insurance lines, with pricing tailored to individual risk profiles and monthly, quarterly, semi-annual, or annual billing. The company also operates under its parent W&W-Gruppe which encompasses Wüstenrot Baisparkasse (building society) and Oldenburgische Landesbank (banking), enabling cross-selling of insurance with home financing and banking products. Underlying technology consists of a German insurance platform with digital claims processing, online policy management, multi-channel customer engagement, and integrations with Salesforce, Flexperto, Parloa, Vonage, Cloudinary, and Google Maps. The company holds regulatory certifications including BaFin oversight, BFSG/WCAG 2.2 Level AA accessibility compliance, GDPR Code of Conduct adherence since 2014, and recognition through independent awards (Stiftung Warentest, Assekurata, eKomi Gold).

Name

W&W-Gruppe

Legal name

Württembergische Versicherung AG

Website

https://wuerttembergische.de

Company type

Private

Founded year

1828

Operating status

Operating

Headcount range

501–1,000 employees

Short description

W&W-Gruppe is a German financial conglomerate whose insurance arm Württembergische Versicherung AG offers property, health, life, and pension insurance to private individuals and SMEs across Germany via a nationwide advisor network and digital channels.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Property casualty insurance
• Supplementary health insurance
• Life pension insurance
• Motor vehicle insurance
• Insurance advisory services

Headquarters

HQ city

Stuttgart

HQ country

Germany

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Property and Casualty Insurance (Kompositversicherungen): Core property and casualty insurance products including motor vehicle (Kfz), homeowners (Hausrat, Wohngebäude), liability (Haftpflicht), and legal protection insurance. Premiums are recurring annual policies with monthly, quarterly, semi-annual, or annual billing options.
2. Private Health Insurance (Private Krankenversicherung): Comprehensive private health insurance for outpatient, inpatient, and dental treatments targeting self-employed, civil servants, and high-income employees. Monthly premium payments with risk-adjusted pricing based on health status.
3. Life and Pension Insurance (Lebens- und Rentenversicherung): Private pension (Rentenversicherung) and life insurance products for retirement savings and survivor benefits. Includes unit-linked (fondsgebundene) variants with capital market participation and optional disability protection riders.
4. Supplementary Health Insurance (Krankenzusatzversicherung): Add-on health insurance products including dental, hospital, vision, and alternative medicine coverage to complement statutory health insurance. Budget tariff options and supplementary nursing care insurance.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels6 records

Core offering

Württembergische Versicherung AG (the insurance arm of W&W-Gruppe) sells a comprehensive portfolio of personal and commercial insurance products to customers in Germany, including property and casualty cover (motor vehicle, household contents, personal liability, legal protection, commercial motor for automotive trade and crafts), personal accident and occupational disability, private and supplementary health (full private health, Vitalbudget budget tariffs, KinderPlus child cover, dental supplementary, hospital, outpatient, nursing care), and life/pension insurance with unit-linked options. Products are distributed through a nationwide network of Generalagenturen (general agencies) and digital channels including a customer portal, online consultation, and a 24/7 claims reporting service.

Product overview

The Württembergische Versicherung AG (part of W&W-Gruppe) offers a comprehensive insurance portfolio organized across six main categories: Existenz (liability, legal protection, occupational disability), Gesundheit (health, dental, nursing care, accident), Vermögen & Vorsorge (pension and wealth management), Wohnen (household contents, rental deposit), Mobilität (motor vehicle including special tariffs for tradespeople, classic cars, e-scooters), and Freizeit (travel insurance). The core offering includes private liability, legal expenses, occupational disability, accident, and property insurance products, supplemented by a strong health insurance division covering private health insurance, supplementary health (Vitalbudget budget tariffs, KinderPlus child coverage, dental prosthetics with ZahnSchutz tiers, hospital, outpatient, and nursing care insurance). The company differentiates through digital services including customer portal, online claims processing, advisor search, video consultation, and severe weather alerts. The portfolio spans from basic statutory coverage supplements to comprehensive private patient coverage, with recent emphasis on flexible budget-based products and digital customer experience.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Haftpflichtversicherung (Personal Liability Insurance) Personal liability insurance for private individuals covering accidental damage or harm caused to third parties in daily life, protecting policyholders from financial losses arising from personal negligence.
• Rechtsschutzversicherung (Legal Expenses Insurance) Legal expenses insurance providing coverage for legal costs and representation, enabling policyholders to assert and defend their legal rights in disputes.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Occupational disability insurance protecting the value of work capacity and securing income if the policyholder can no longer perform their profession.
• Private Unfallversicherung (Personal Accident Insurance) Personal accident insurance providing coverage for injuries and disabilities resulting from accidents during leisure and recreational activities.
• Zahnzusatzversicherung (Dental Supplementary Insurance) Supplementary dental insurance offering reimbursement for dental treatments, prostheses, and prophylaxis; awarded Stiftung Warentest Testsieger status and recommended by Finanztip.
• Private Rentenversicherung (Private Pension Insurance) Private pension insurance combining investment strategy with long-term savings for retirement income, offered in classic and fund-based (unit-linked) variants with optional disability riders.
• Hausratversicherung (Household Contents Insurance) Household contents insurance covering loss, damage, or destruction of personal belongings within the home.
• Kfz-Versicherung (Motor Vehicle Insurance) Motor vehicle insurance covering private passenger vehicles with comprehensive and third-party liability options, plus a specialised commercial tariff for the automotive trade and crafts segment.
• Kfz-Tarif für Handel und Handwerk (Commercial Motor Tariff for Automotive Trade and Crafts) Specialised commercial motor vehicle insurance tariff for automotive trade and craft businesses with more differentiated, risk-appropriate pricing at contract conclusion.
• Private Krankenversicherung (Private Health Insurance) Full private health insurance providing comprehensive medical coverage including outpatient, inpatient, and dental treatment with free choice of physicians and hospitals, targeting self-employed, civil servants, and high-income employees.
• Krankenzusatzversicherung / Vitalbudget (Supplementary Health Insurance - Budget Tariff) Flexible supplementary health insurance combining multiple coverage types in one tariff, providing annual budgets of €600 or €1,200 to use across prevention, vaccinations, alternative medicine, dental prophylaxis, and optional enhanced dental coverage.
• Private Pflegezusatzversicherung (Private Nursing Care Supplementary Insurance) Long-term care supplementary insurance closing the gap between statutory nursing care insurance and actual care costs, with monthly nursing cash benefits varying by care degree, worldwide coverage, and assistance services.
• KinderPlus (Children's Supplementary Health Insurance) Supplementary health insurance for children up to age 7 providing private patient status in hospitals with single or double room accommodation, free choice of doctor, Rooming-in for parents, and orthodontic coverage up to €4,000 at 80%.
• ZahnSchutz (Dental Prosthetics Insurance) Dental prosthetics insurance with three reimbursement tiers (Kompakt 75%, Komfort 90%, Premium 100%) covering crowns, bridges, and implants with no waiting periods.
• Oldtimer-Versicherung (Classic Car Insurance) Specialised insurance for historic automobiles with agreed-value coverage and tailored conditions for classic car owners.
• Mietkautionsversicherung (Rental Deposit Insurance) Rental deposit insurance allowing tenants to invest their deposit in securities rather than tying up cash with the landlord.
• E-Scooter-Versicherung (E-Scooter Insurance) Insurance coverage specifically designed for electric scooters and small e-vehicles.
• Ambulante Zusatzversicherung (Outpatient Supplementary Insurance) Supplementary outpatient insurance providing private patient status and coverage for treatments beyond statutory health insurance limits.
• Krankenhauszusatzversicherung (Hospital Supplementary Insurance) Hospital supplementary insurance offering free hospital and physician choice, including chief physician treatment, and single or double room accommodation.
• Auslandsreisekrankenversicherung (Foreign Travel Health Insurance) Foreign travel health insurance providing medical coverage while traveling abroad.
• Grundfähigkeitsversicherung (Basic Capabilities Insurance) Basic capabilities insurance protecting policyholders against loss of fundamental everyday abilities such as walking, seeing, or hearing.
• Krankentagegeldversicherung (Daily Hospital Allowance Insurance) Daily hospital allowance insurance providing financial support during illness to cover ongoing living expenses.
• Vorsorgeversicherung (Preventive Care Insurance) Preventive care insurance covering up to 80% of preventive measures costs, including additional pregnancy examinations and travel vaccinations.
• Zahn- und Brillenversicherung (Dental and Glasses Insurance) Combined dental and glasses insurance covering dental prophylaxis, necessary visual aids, and partial costs for dental prosthetics at an affordable monthly rate.
• Kinderunfallversicherung (Children's Accident Insurance) Accident insurance specifically designed for children, providing protection during recreational activities and everyday adventures.

Quantifiable outcome

• Customer satisfaction rating of 4.9/5 for advisory quality (Beratungsqualität) based on 50,658 reviews
• +1 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration12 records

AI capability2 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Parloa GmbHcoreTechnology or IntegrationParloa provides AI-powered voice bot technology for Württembergische's call center operations. The voice bot handles initial customer inquiries, claims reporting, and appointment scheduling using natural language processing. A data processing agreement (Auftragsverarbeitungsvertrag) under Art. 28 GDPR ensures compliance with data protection requirements.
• Flexperto GmbHcoreTechnology or IntegrationFlexperto provides the online consultation platform enabling video calls, screen sharing, digital document collaboration, and electronic signature capabilities for remote advisor-customer meetings. Supports appointment scheduling and instant conversation features.
• aklamio GmbHminorGTM or Marketing PartnerAklamio provides the friend referral marketing program technology enabling Württembergische customers to recommend insurance products to friends and family. Tracks referral conversions and provides program analytics.
• Salesforce.com Germany GmbHcoreTechnology or IntegrationSalesforce Marketing Cloud powers email marketing automation, customer journey personalization, and behavioral tracking for targeted communications. Enables data-driven marketing and customer engagement optimization.
• vivida bkkminorGTM or Marketing PartnerCooperation with vivida bkk health insurance fund offering joint benefits: up to €150 bonus annually for policyholders who purchase supplementary insurance from Württembergische through the partnership.
• Kooperierende Dentallabore (Partner Dental Laboratories)minorChannel Partner/ Reseller/ DistributorNetwork of cooperating dental laboratories that receive 5% increased reimbursement rates for dental prosthetics when using Württembergische's cooperating labs for laboratory work, incentivizing use of quality-controlled partners.
• Versicherungsombudsmann e.V.minorOthersOmbudsman scheme for out-of-court dispute resolution for property and life insurance complaints. Württembergische participates in this scheme, providing customers with accessible complaint handling beyond court proceedings.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Signal Iduna Gruppe: German mutual insurance group combining health, P&C, life, and pension insurance with strong craft/trade affinity. Comparable multi-line offering and similar supplementary health focus (e.g., dental, nursing care).
• VHV Versicherungen: German mutual insurer specializing in trade, crafts, and commercial motor insurance with similar B2B segment focus. Highly comparable in the Kfz-Handel (automotive trade) segment where Württembergische also has specialized tariffs.
• HUK-Coburg: Large German mutual insurer with comparable mass-market P&C focus, strong direct distribution model, and similar product breadth including motor, liability, and legal protection. Closest direct peer in size, structure, and German market positioning to Württembergische.
• R+V Versicherung: Cooperative insurer affiliated with the German agricultural and cooperative banking sector. Offers full multi-line insurance with strong mass-market private and SME focus, very similar in product mix and target customer.
• DEVK Versicherungen: German cooperative mutual insurer offering P&C, life, health, and legal protection with a comparable tied-agent distribution model. Similar mutual/cooperative DNA and mid-tier size make it a strong structural peer.
• LVM Versicherung: Regional German mutual insurer with multi-line P&C, life, and health offering and tied-agent distribution. Comparable in scale and product breadth though concentrated in northern/Westphalian Germany.

Broad incumbents

• AXA Konzern AG: Major multi-line insurer in Germany with P&C, life, and health divisions, including supplementary dental and health products. Overlaps with Württembergische across most product lines but at significantly larger scale and with a wider geographic footprint.
• Allianz Deutschland: Germany's largest multi-line insurer with overlapping P&C, life, and health offerings plus a massive tied-agent and broker network. Direct competitor in the same product categories but operates at much greater scale with a broader portfolio.
• Generali Deutschland: German subsidiary of the global Generali Group offering P&C, life, and health insurance with strong agent and broker distribution. Competes directly with Württembergische in private and commercial lines but with broader international backing and larger product breadth.

Regional players

• Versicherungskammer Bayern: Public-law insurance group based in Bavaria offering full multi-line insurance under one group, comparable in product breadth and tied-agent model but concentrated in southern Germany rather than competing directly nationwide.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/wundw

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about W&W-Gruppe