VGH Versicherungen

Name

VGH Versicherungen

Legal name

Landschaftliche Brandkasse Hannover

Website

https://vgh.de

Company type

Private

Founded year

1957

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Regional Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Insurance Agencies and Brokerages (524210)

SIC

Life Insurance (6311), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Supplemental/Voluntary Group Term Life (Employee-Paid) (FSAIADAB), Insurance Claims Intake & FNOL Support (BPAAAFAA), Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Regional insurance services
• Property casualty insurance
• Private health insurance
• Retirement pension products
• Agricultural insurance coverage

Headquarters

HQ city

Hanover

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: VGH generates revenue through insurance premiums collected from policyholders. The company offers a comprehensive range of insurance products including motor vehicle insurance, property insurance (homeowners, renters), liability insurance, legal protection insurance, health insurance, accident insurance, travel insurance, retirement/pension products, and agricultural insurance. Premiums are collected on a recurring basis (monthly, quarterly, or annual payments depending on the policy terms).

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels8 records

Core offering

VGH Versicherungen is a regional insurance group that underwrites and distributes property, casualty, motor, liability, legal expense, health, accident, life, retirement, travel, commercial, and agricultural insurance products for private customers, businesses, and farmers in Lower Saxony (Niedersachsen), Germany. Products are delivered through direct field advisors, a Sparkassen savings-bank partnership, an inside-sales hotline, and the Meine VGH online portal and mobile apps. Subsidiaries such as Provinzial Lebensversicherung Hannover, Provinzial Krankenversicherung Hannover AG, and Provinzial Pensionskasse Hannover AG house the life, health, and pension lines.

Product overview

VGH Versicherungen is a regional insurance provider based in Hanover, Germany, operating as the largest insurer in Lower Saxony (Niedersachsen). The company offers a comprehensive portfolio of insurance products organized into three main customer segments: private customers (Privatkunden), business customers (Firmenkunden), and farmers (Landwirte). The product portfolio includes vehicle insurance (Kfz, E-Auto, motorcycle, moped, bicycle, e-scooter, camper, trailer, oldtimer), property and casualty insurance (home contents, buildings, liability, legal protection, cyber), health insurance (private health, dental, hospital, outpatient supplements, nursing care, sickness allowance), retirement and pension products (private pension, fund-based pension, basic pension, company pension), accident and disability coverage (accident insurance, occupational disability, term life, funeral expense), travel insurance (travel health, cancellation), and specialized agricultural insurance (farm vehicles, machinery, livestock, crops, farm liability). The company operates through its group entities including Landschaftliche Brandkasse Hannover, Provinzial Lebensversicherung Hannover, Provinzial Krankenversicherung Hannover AG, and Province Provincial Pensionskasse Hannover AG.

Differentiator

Problem solved

Functional benefit

Brands

• VGH PrivatRente: Private pension insurance product for retirement planning.
• InvestRente
• VGH BasisRente
• VGH NiedersachsenTresor
• VGH Nachwuchsförderung
• VGH CyberSchutz

Products and services

• Kfz-Versicherung (Motor Vehicle Insurance) Vehicle insurance covering liability, partial, and comprehensive coverage for cars, including protection against accidents, theft, and natural hazards; intended for private customers and small-business vehicle owners in Lower Saxony.
• E-Auto-Versicherung (Electric Vehicle Insurance) Specialised insurance coverage for electric vehicles, including charging-station protection and battery coverage; designed for owners of electric cars.
• Motorradversicherung (Motorcycle Insurance) Insurance covering liability and comprehensive protection for motorcycles and e-motorcycles; for private motorcycle owners.
• Mopedversicherung (Moped Insurance) Insurance for mopeds and small motor vehicles including mandatory liability coverage; intended for owners of mopeds, small motorbikes, and similar vehicles.
• E-Scooter-Versicherung Insurance for electric scooters covering liability and financial protection against accidents or theft; for individual e-scooter users.
• Fahrradversicherung (Bicycle Insurance) Bicycle insurance providing worldwide protection against theft, vandalism, and accident damage; aimed at private bicycle owners.
• Camper- und Wohnmobilversicherung Specialised insurance for campers and motorhomes covering European travel; for private owners of motorhomes and camper vans.
• Anhänger- und Wohnwagenversicherung Insurance for trailers and caravans with liability and comprehensive coverage options; intended for owners of trailers and caravans.
• Young- und Oldtimerversicherung Specialised coverage for classic cars, premium vehicles, and youngtimer/newtimer vehicles, offered in partnership with OCC Assekuradeur GmbH.
• Wohngebäudeversicherung Building insurance protecting residential properties against fire, natural hazards, water damage, and other perils; for private property owners.
• Hausratversicherung (Home Contents Insurance) Home contents insurance covering household goods against theft, fire, water damage, and natural hazards; for tenants and homeowners.
• Private Haftpflichtversicherung (Personal Liability) Personal liability insurance protecting against claims from third parties for bodily injury, property damage, or financial loss; for individuals and families.
• Rechtsschutzversicherung (Legal Expenses Insurance) Legal expenses insurance covering legal fees and representation for civil, criminal, and administrative matters; for private customers and businesses.
• Cyberversicherung (Cyber Insurance) Cyber insurance providing protection against digital risks, data breaches, and cyber attacks; for individual customers and small businesses.
• VGH PrivatRente (Private Pension Insurance) Private pension insurance providing lifelong additional retirement income with flexible contribution options.
• InvestRente (Fund-Based Pension) Fund-based pension insurance combining investment funds with insurance protection for retirement savings.
• VGH BasisRente (Basic / Rürup Pension) State-subsidised basic pension (Rürup-Rente) offering tax advantages for self-employed and high-income individuals.
• Betriebliche Altersvorsorge (Occupational Pension) Company pension schemes offering employee retirement benefits with tax advantages; for employers and their employees.
• VGH NiedersachsenTresor One-time payment retirement product for lump-sum pension payouts.
• VGH Nachwuchsförderung (Youth Savings Plan) Youth pension program supporting early retirement savings for children and young adults.
• Private Krankenversicherung (Private Health Insurance) Private health insurance providing comprehensive medical coverage with lifelong guaranteed benefits, delivered via Provinzial Krankenversicherung Hannover AG.
• Krankentagegeld (Daily Sickness Allowance) Daily sickness allowance insurance replacing income during extended illness; for self-employed individuals and employees.
• Pflegeversicherung (Nursing Care Insurance) Nursing care insurance protecting against costs of care needs due to accident, illness, or age; for private customers and families.
• Unfallversicherung (Accident Insurance) Accident insurance providing financial protection against permanent disability resulting from accidents; for private customers.
• Risikolebensversicherung (Term Life Insurance) Term life insurance providing financial security for dependents in case of death.
• Sterbegeldversicherung (Funeral Expense Insurance) Funeral expense insurance covering burial costs and related expenses.
• Reisekrankenversicherung (Travel Health Insurance) Travel health insurance covering medical expenses abroad during trips and vacations.
• Reiserücktritts- und Reiseabbruchversicherung Travel cancellation and interruption insurance reimbursing costs for cancelled or cut-short trips.
• Gewerbliche Kfz-Versicherung (Commercial Vehicle Insurance) Commercial vehicle insurance for business fleets covering company cars, trucks, and commercial vehicles.
• Betriebshaftpflichtversicherung (Business Liability) Business liability insurance protecting companies against third-party claims for bodily injury, property damage, and financial loss.
• D&O Versicherung Directors and Officers liability insurance protecting company leadership from personal liability claims.
• VGH CyberSchutz (Business Cyber) Business cyber insurance protecting companies against digital threats, data breaches, and cyber attack consequences.
• Maschinen-Betriebsunterbrechungsversicherung Business interruption insurance covering loss of income due to machine breakdown.
• Betriebliche Krankenversicherung Company health insurance providing employees with supplementary health benefits beyond statutory coverage.
• Firmen-Unfallschutz (Corporate Accident) Corporate accident insurance covering employees for work-related and commuting accidents.
• Landwirtschaftliche Zugmaschinen-Versicherung (Agricultural Vehicle Insurance) Agricultural vehicle insurance covering tractors, agricultural machinery, and farm equipment with liability, partial, and comprehensive options.
• Landmaschinenversicherung (Farm Machinery) Agricultural machinery insurance covering farm equipment and technology against damage and breakdown.
• Pflanzenversicherung (Crop Insurance) Crop insurance protecting against harvest losses due to weather, disease, or other covered perils.
• Tier-Ertragsschadenversicherung Livestock income loss insurance covering losses from animal disease or death.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Sparkassen in NiedersachsencoreChannel Partner/ Reseller/ DistributorVGH maintains a core distribution partnership with Sparkassen (savings banks) throughout Niedersachsen. Sparkasse branches serve as sales points for VGH insurance products, leveraging the widespread Sparkasse network across the region. This partnership provides VGH with access to established banking customer relationships for cross-selling insurance products.
• LBS Norddeutsche Landesbausparkasse HannoverminorGTM or Marketing PartnerCooperation for building savings products, where VGH insurance is offered alongside building society products for comprehensive financial planning.
• Norddeutsche LandesbankminorGTM or Marketing PartnerPartnership with Nord/LB for financial services collaboration, mutual referral of products and customer support.
• Niedersächsischer Sparkassen- und GiroverbandcoreStrategic or Co-development PartnerThe Niedersachsen Sparkassen and Giro Association works with VGH for mutual product referral and customer support, forming a key regional financial services alliance.
• ivv GmbHcoreTechnology or Integrationivv GmbH is VGH's IT subsidiary that operates technical services including the landing pages for social recruiter, the Flixcheck service, and general IT infrastructure support.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• SV SparkassenVersicherung: German Sparkassen-affiliated multi-line insurance group with regional focus. Closest comparable to VGH given shared Sparkassen distribution heritage, multi-line P&C and life offerings, and public-insurer roots.
• HUK-COBURG: Large German mutual insurer offering comprehensive personal and commercial lines (auto, home, liability, legal protection, life, health). Comparable to VGH as a multi-line mutual with strong direct/advisor hybrid distribution and German focus.
• R+V Versicherung: German cooperative insurer (Volksbanken/Raiffeisenbanken channel) offering multi-line P&C, life, and health. Comparable to VGH in structure (bank-affiliated cooperative), breadth of product portfolio, and German regional focus.
• LVM Versicherung: German mutual insurer focused on northern and western Germany with multi-line personal and commercial offerings including agricultural lines. Highly comparable to VGH in mutual structure, regional northern Germany footprint, and farm segment expertise.
• Debeka Versicherung: Germany's largest private health insurer and a major mutual multi-line carrier. Comparable to VGH in mutualized structure, comprehensive life/health/property offerings, and reliance on tied advisor distribution.
• ARAG Versicherung: Germany's leading specialist in legal protection insurance (Rechtsschutz) with broader multi-line offerings. Direct comparable for VGH's Rechtsschutz book and adjacent P&C lines.

Regional players

• Versicherungskammer Bayern (VKB): Public-law insurance group serving Bavaria with comprehensive multi-line offerings including agricultural lines. Comparable to VGH as a Sparkassen-affiliated public insurer, but in a different German state — strong functional analogue, no direct geographic overlap.
• Öffentliche Versicherungen Sachsen-Anhalt (ÖVSA): Public-law insurance group serving Saxony-Anhalt with multi-line products. Highly comparable to VGH in public-insurer structure and regional single-state focus, but operates in a different German geography.

Broad incumbents

• Allianz Versicherung: Germany's largest multi-line insurer and global insurance leader. Competes with VGH across P&C, life, and health but operates nationally and globally with substantially broader scale and capital access.
• Gothaer Versicherung: German mutual insurer offering multi-line P&C, life, and health products. Comparable to VGH in mutualized structure and product breadth, with national rather than regional focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/VGHVersicherung
• YouTubeyoutube.com/channel/UCF7tJNogy3H5j39gkHYDRyg
• Facebookfacebook.com/VGHVersicherungen
• LinkedInlinkedin.com/company/vgh-versicherungen
• Instagraminstagram.com/vgh_versicherungen

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries5 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 VGH Versicherungen