NV Insurance

What NV Insurance does

NV Insurance (legal name: NV-Versicherungen VVaG) is a German mutual insurance association founded in 1818 in Neuharlingersiel, Ostfriesland, making it one of the oldest insurers in Germany. As a Versicherungsverein auf Gegenseitigkeit (VVaG), policyholders are members and surplus is retained for member benefit rather than distributed to shareholders; the entity is supervised by BaFin. The product portfolio spans property and casualty lines including household (Hausrat), residential building (Wohngebäude), personal liability (Privathaftpflicht), accident (Unfall) including children and senior variants, animal/pet liability (Hundehaftpflicht, Pferdehaftpflicht), house-and-property-owner liability, drone insurance (private and commercial), bicycle casco, agricultural liability (AgrarHAFT) plus hail, glass breakage, elemental damage, and supplementary dental. Most product lines are offered in standard and 'bessergrün' sustainable variants, with the bessergrün sub-brand committing to tree planting per contract and 100% sustainable capital investments. Underlying technology includes online tariff calculators (embeddable on partner websites via iframe/hyperlink), the meinNV Vermittlerportal for brokers with BiPRO Norm 430.4 integration enabling GDV data retrieval, commission statements, and automated document exchange, plus an online claims submission platform.

Name

NV Insurance

Legal name

NV-Versicherungen VVaG

Website

https://nv-online.de

Company type

Private

Founded year

1818

Operating status

Operating

Headcount range

1–10 employees

Short description

NV Insurance (NV-Versicherungen VVaG) is a German mutual insurance association founded in 1818 offering household, liability, accident, building, drone, bicycle, and agricultural insurance products to individual consumers and small businesses, distributed through independent brokers and direct online channels.

Ownership category

akta.pro rank

Product category

Property and Casualty Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers (5241)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)

akta.pro primary industry

Property Insurance (Homeowners, Renters & Commercial Property) (FSAJAMAD)

akta.pro secondary industry

General Liability Insurance (FSAJAMAE)

Keywords

• Property casualty insurance
• Household insurance
• Personal liability insurance
• Accident insurance
• Mutual insurance association

Headquarters

HQ city

Neuharlingersiel

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums (Property & Casualty): NV Insurance operates as a Versicherungsverein auf Gegenseitigkeit (VVaG), a mutual insurance association where policyholders are members. Revenue is generated through recurring insurance premiums across multiple property and casualty lines including household, liability, accident, drone, bicycle, agricultural, and building insurance. As a mutual, surplus is retained for policyholder benefit rather than distributed to shareholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

NV Insurance is a German Versicherungsverein auf Gegenseitigkeit (VVaG) selling property and casualty insurance products under the NV-Versicherungen brand to private households, seniors, children, animal owners, drone operators, cyclists, property owners, and small agricultural businesses. Core offerings span household (Hausrat), residential building (Wohngebäude), personal liability (Privathaftpflicht), accident (Unfall, including senior and child variants), animal liability (Hundehaftpflicht, Pferdehaftpflicht), house and property owner liability, glass breakage, elemental damage, drone liability and casco, bicycle casco, agricultural operations liability, hail, supplementary dental, and a niche Boßelversicherung, with most lines also available as 'bessergrün' sustainable variants.

Product overview

NV Insurance (NV-Versicherungen VVaG) is a German mutual insurance association (Versicherungsverein auf Gegenseitigkeit) founded in 1818, offering a portfolio of property and casualty insurance products. The core product portfolio spans multiple lines: household insurance (Hausrat 7.0 in Spar, max, and Premium tiers), building insurance (Wohngebäude 2.0 in Spar, max, and Premium tiers), personal liability (Privathaftpflicht 6.0), accident insurance (Unfall 5.0 and Unfall 67plus for seniors), animal liability (Hundehaftpflicht 3.0, Pferdehaftpflicht 3.0), house/property owner liability (HuG 2.0), drone insurance (Drohnenversicherung 1.0 including liability and kasko for private and commercial use), bicycle insurance (Fahrradkasko 2.0), agricultural insurance (AgrarHAFT 3.0), glass insurance, elemental damage coverage, and supplementary dental insurance. Products are offered in standard and 'bessergrün' sustainable variants. The company also provides a broker portal (meinNV) and online tariff calculator as service platforms.

Differentiator

Problem solved

Functional benefit

Brands

• bessergrün: Sustainable insurance product line where a tree is planted for each contract, 100% of premiums are invested in sustainable capital assets, and policyholders benefit from sustainable replacement in claims. Covers household contents, drone, property owner liability, personal liability, dog liability, horse liability, building, accident, and senior accident insurance.

Products and services

• NV Hausratversicherung (Household Insurance) Household contents insurance covering household goods, personal belongings and valuables against risks such as fire, water damage, theft and glass breakage, offered in three tiers (Spar, max, Premium) and also available as a 'bessergrün' sustainable variant. Designed for German private households and individuals.
• NV Wohngebäudeversicherung (Residential Building Insurance) Building insurance protecting residential properties against fire, water, storm, hail and elemental damage, offered in tiers WohnhausSpar, Wohnhausmax and WohnhausPremium plus elemental coverage add-ons. Also available as a 'bessergrün' sustainable variant. For property owners of German residential buildings.
• NV Privathaftpflichtversicherung (Personal Liability Insurance) Personal liability insurance protecting individuals against claims from third parties for bodily injury, property damage or financial loss. Offered in three tiers (PrivatSpar, Privatmax, PrivatPremium) and as a 'bessergrün' sustainable variant. For German private individuals and households, starting from €2.86 per month.
• NV Unfallversicherung (Accident Insurance) Accident insurance providing financial protection in the event of accidental injury, disability or death, with three tiers (UnfallSpar, Unfallmax, UnfallPremium) and inclusion of assistance, rehabilitation and care services. Also available as a 'bessergrün' sustainable variant. For German private individuals, starting from €3.36 per month.
• NV Unfall 67plus (Senior Accident Insurance) Specialized accident insurance designed for seniors aged 67 and above, allowing third parties (e.g. parents) to be covered with assistance, rehabilitation and care services without requiring a base disability benefit. Also available as a 'bessergrün' sustainable variant. For German senior customers.
• NV Kinder-Unfallversicherung (Children's Accident Insurance) Accident insurance specifically designed for children, covering accidental injuries with age-appropriate benefits and coverage levels (versions 2.0 through 5.0). Also available as a 'bessergrün' sustainable variant. For parents of German children.
• NV Hundehaftpflichtversicherung (Dog Liability Insurance) Dog owner liability insurance covering damages caused by the policyholder's dog to third parties, offered in tiers HundePremium and HundePremiumPlus. Also available as a 'bessergrün' sustainable variant. For German dog owners, rated 6 stars (highest) by Ascore as best animal owner liability policy.
• NV Pferdehaftpflichtversicherung (Horse Liability Insurance) Horse owner liability insurance covering damages caused by the policyholder's horse to third parties, offered in tiers PferdePremium and PferdePremiumPlus. Also available as a 'bessergrün' sustainable variant. For German horse owners, starting from €5.00 per month.
• NV Haus- und Grundbesitzerhaftpflicht (House and Property Owner Liability Insurance) House and property owner liability insurance protecting owners against claims from third parties for injuries or property damage occurring on their property. Offered in tiers HuG Premium and HuG PremiumPlus. Also available as a 'bessergrün' sustainable variant. For German property owners.
• NV Glasbruchversicherung (Glass Breakage Insurance) Glass insurance covering breakage of glass in buildings, windows and other glass surfaces, integrated as part of the Hausrat 7.0 household insurance tariff family. For German private households, starting from €3.47 per month.
• NV Elementarschadenversicherung (Elemental Damage Insurance) Elemental damage insurance covering losses from natural disasters including floods, landslides, earthquakes and other natural events. Can be added to building and household insurance policies. For German property owners and households, starting from €6.52 per month.
• NV Fahrradkasko (Bicycle Insurance) Bicycle insurance covering damage to, theft, or total loss of bicycles, offered as FahrradkaskoPremium 2.0 with comprehensive coverage including theft, damage and assistance. Also available as a 'bessergrün' sustainable variant. For German bicycle owners.
• NV Drohnenhaftpflicht Privat (Private Drone Liability Insurance) Private drone liability insurance covering bodily injury and property damage caused by recreational drones, part of the DrohnenHaft 1.0 family. Also available as a 'bessergrün' sustainable variant. For German recreational drone operators, starting from €3.21 per month.
• NV Drohnenhaftpflicht Gewerbe (Commercial Drone Liability Insurance) Commercial drone liability insurance covering businesses and commercial drone operators against liability claims from drone-related incidents, part of the DrohnenHaft 1.0 family. For German commercial drone operators, starting from €11.17 per month.
• NV DrohnenkaskoPremium (Comprehensive Drone Insurance) Comprehensive drone insurance covering damage to or loss of the drone itself, including accidental damage, theft and total loss. Offered as DrohnenkaskoPremium 1.0 and also available as a 'bessergrün' sustainable variant. For German private and commercial drone operators, starting from €9.36 per month.
• NV Hagelversicherung (Hail Insurance) Hail insurance specifically covering crop and agricultural damage from hailstorms, part of the agricultural insurance offerings targeting farming operations. For German agricultural operations.
• NV Betriebshaftpflicht / AgrarHAFT (Agricultural Business Liability Insurance) Business liability insurance for agricultural operations covering claims arising from farming activities, products and operations, offered as AgrarHAFT 3.0 with comprehensive coverage including extended product liability, environmental liability (UmweltPlus, UmweltTop) and UHV Basis options. For German agricultural business operations.
• NV Zahnzusatzversicherung (Supplementary Dental Insurance) Supplementary dental insurance covering additional dental treatments, prosthetics and orthodontic procedures not fully covered by statutory health insurance. For German individuals seeking supplementary dental cover.
• NV Boßlerversicherung (Boßel Sport Accident Insurance) Specialized accident insurance for participants in the Friesian Boßel rowing sport covering injuries specific to this traditional East Frisian sport. For participants of the Boßel sport in Germany.
• bessergrün (Sustainable Insurance Product Line) Sustainable insurance sub-brand offering eco-friendly versions of multiple NV products (Hausrat, Privathaftpflicht, Hundehaftpflicht, Pferdehaftpflicht, Unfall, Unfall67plus, Wohngebäude, Drohnenversicherung, Fahrradkasko). Each contract includes a tree planted in Germany, 100% sustainable capital investments of the annual premium equivalent, and enhanced sustainable claim benefits. For environmentally conscious German customers.
• NV Vermittlerportal meinNV (Broker Portal) Broker portal platform enabling independent insurance brokers to manage client contracts, access GDV data, view commission statements, submit claims and retrieve policy information. Supports BiPRO Norm 430.4 integration for automated document handling and includes an online tariff calculator for broker use. For independent German insurance brokers (Vertriebspartner) distributing NV Insurance products.

Quantifiable outcome

• Average claims processing time of 2.7 days
• +3 more outcomes

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• Insurance Brokers and Independent Agents (Vertriebspartner)coreChannel Partner/ Reseller/ DistributorNV Insurance distributes exclusively through independent insurance brokers and agents. Partners are served by a dedicated Maklerservice team with named contacts (Daniel Feddermann, Sonja Ramming, Neele Junior, Mario Feith, Uwe Schipper, Peter Brumund, Christian Polman). Partners access the meinNV Vermittlerportal for GDV data, commission management, claims submission, and policy information. BiPRO norm 430.4 enables automated document exchange.
• BiPRO e.V.coreTechnology or IntegrationBiPRO (Norm 430.4) enables real-time broker correspondence and automated document assignment (policy documents, invoices, reminders) to the relevant contract in the broker's management system. Authentication via broker portal credentials. This integration streamlines the broker workflow for NV Insurance's distribution partners.
• Franke & BornbergminorOthersFranke & Bornberg analysis house awarded NV Insurance the ESG Award 2023 for sustainability leadership across multiple insurance lines.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• HUK-COBURG: Germany's largest mutual P&C insurer; directly comparable mutual (VVaG) structure, similar P&C product breadth, and comparable broker and direct distribution model serving German retail customers.
• R+V Versicherung: Cooperative P&C insurer tied to the German Raiffeisenbank cooperative network; comparable P&C product breadth, mutual-like cooperative ownership, and broker/agent distribution in Germany.
• LVM Versicherungen: Mutual (VVaG) P&C insurer headquartered in Münster, comparable mutual structure and P&C product mix (Hausrat, Haftpflicht, Unfall, Kfz) with regional German concentration.
• Concordia Versicherungen: Mutual P&C insurer based in Hanover with similar VVaG legal form, comparable broker-driven distribution and overlapping personal lines (Hausrat, Haftpflicht, Unfall, Tierhalterhaftpflicht).
• VGH Versicherungen: Regional public-sector P&C insurer serving Lower Saxony; directly comparable in geography, customer segments, and P&C product offerings to NV's regional German focus.
• SV SparkassenVersicherung: Public-sector P&C insurer distributed via Sparkassen banks; comparable P&C product portfolio and broker/bank-affiliate distribution channel targeting German retail customers.

Broad incumbents

• Allianz Versicherung: Germany's largest P&C insurer; provides the dominant incumbent benchmark for retail personal lines, broker channels, and digital distribution against which regional mutuals like NV compete.
• DEBEKA Versicherungen: One of Germany's largest mutual insurers, with a VVaG structure identical to NV; offers significantly broader life, health, and P&C product range, making it a scaled-up comparable of NV's mutual model.
• Gothaer Versicherungen: Mid-sized mutual-leaning P&C insurer with comparable personal lines portfolio and broker distribution, but broader corporate and specialty business than NV.

Regional players

• Öffentliche Versicherungen Oldenburg: Regional P&C insurer serving the Oldenburg/Weser-Ems area immediately adjacent to NV's Ostfriesland home market; directly comparable product mix and regional P&C positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/watch?v=n_LBTWIEXG4
• Instagraminstagram.com/actiview.digitalagentur
• Xx.com/nvversicherung

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about NV Insurance