Itzehoer Insurance

Name

Itzehoer Insurance

Legal name

Itzehoer Versicherung/Brandgilde von 1691 Versicherungsverein a.G.

Website

https://itzehoer.de

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Personal and Commercial Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Claims Adjusting (524291)

SIC

Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

Keywords

• Personal insurance products
• Commercial insurance products
• Mutual insurance association
• Motor vehicle insurance
• Life pension insurance

Headquarters

HQ city

Itzehoe

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums (Schaden-/Unfall- und Sachversicherung): Core revenue from recurring insurance premiums across motor, liability, legal protection, property, accident, health and travel lines. 2025 gross written premiums on a group level rose 10.5% to €941.1 million (vs €851.8 million prior year); the bulk is recurring annual/semi-annual/quarterly premium payments from policyholders, including Kfz-Haftpflicht (1,532,247 risks) and Rechtsschutz (390,193 contracts).
2. Life and pension insurance premiums: Recurring and single-premium life insurance, disability, pension (Riester/Rürup), occupational pension (Direktversicherung / bAV), and unit-linked / fund-based annuity products (Kapital-LV, Risiko-LV, Privatrente Plus, Sofortrente, Einmalbeitragsrente, Fondsgebundene Rentenversicherung, bAV Direktversicherung). Conducted via Itzehoer Lebensversicherungs-AG.
3. Health insurance premiums: Premiums from full health insurance (Krankenvollversicherung) and supplementary health (Krankenhauszusatz, Ambulante Zusatz, Zahnzusatz).
4. Single-premium / one-off life and pension contributions: Single-premium (Einmalbeitrag) annuity and life products, including Einmalbeitragsrente and corporate bAV direct insurance funded through one-off employer contributions.
5. Insurance brokerage / intermediary commissions (IHM Itzehoer HanseMerkur): Revenue from intermediated financial and insurance products through IHM Itzehoer HanseMerkur Finanz- und Versicherungsvermittlungs GmbH (HRB 2082 IZ), a group distribution entity.

Pricing tiers

Go-to-market motion5 records

Distribution channels5 records

Marketing channels13 records

Core offering

Itzehoer Versicherungen is a mutual insurance association (Versicherungsverein auf Gegenseitigkeit, VVaG) headquartered in Itzehoe, Germany, selling a multi-line portfolio of personal and small-business insurance products. The core offering spans vehicle insurance (with the flagship TOP DRIVE brand), legal protection, liability, property (building and contents), life and pension (including bAV Direktversicherung), accident, private health supplements and travel insurance, distributed through a nationwide network of personal Vertrauensleute/Vertrauensfrauen trust agents, a dedicated broker portal, and direct online self-service.

Product overview

Itzehoer Versicherungen operates as a mutual insurance association (Versicherungsverein auf Gegenseitigkeit, VVaG) offering a multi-line insurance portfolio rather than a single unified product. The offering is organised as product-line modules grouped around the customer: vehicle insurance (centred on TOP DRIVE and its sub-cover variants such as electric/hybrid, motorcycle, e-scooter, e-bike, fleet and Werkverkehr), legal protection (Rechtsschutz), liability (Haftpflicht), property (Wohnen und Eigentum, covering Wohngebäude, Hausrat, Inhalts, Elektronik, Bauleistung and Photovoltaik), life and pensions (Leben und Vorsorge, with sub-products BU/Junge BU, Basisrente/Rürup, Vertrauensrente/Riester, Privatrente Plus, fondsgebundene Rentenversicherung and betriebliche AV), accident (Unfall-Schutz for adults, children and care), health supplements (Krankenhauszusatz, Ambulante Zusatz, Zahnzusatz, plus Krankenvoll) and travel. These line modules are connected to a self-service customer portal ("Meine Itzehoer"), a separate broker portal (Itzehoer Maklerservice / Maklerweb) and embedded third-party communication tools (WhatsApp via oneDialog, Flexperto video advisory) so that policy administration, advisory and messaging sit alongside the underwriting products.

Differentiator

Problem solved

Functional benefit

Brands

• TOP DRIVE: Itzehoer's branded motor-vehicle product line listed under Fahrzeuge.
• Meine Itzehoer

Products and services

• Vehicle insurance (TOP DRIVE / Fahrzeuge) Flagship motor insurance product line covering passenger cars, electric and hybrid cars, motorcycles, mopeds, e-scooters, e-bikes/pedelecs, camping vehicles, small commercial fleets, company-driver (Werkverkehr) and machinery insurances, plus add-ons such as Insassenschutz and Kfz-Schutzbrief. Includes digital services such as Kfz-Online-Zulassung, Autoglas-Service and Internationale Versicherungskarte (IVK). For personal customers, SMEs and farmers.
• Legal protection insurance (Rechtsschutz) Legal protection cover segmented by customer type into Privat-Rechtsschutz, Privat-Verkehrs-Rechtsschutz, Vermieter-Rechtsschutz, Firmen- und Heilberufe-Rechtsschutz and Landwirtschafts-Rechtsschutz. Covers private, traffic, landlord, business/medical-profession and agricultural legal risks.
• Liability insurance (Haftpflicht) Liability cover split into Privat-Haftpflicht, Betriebs- und Berufshaftpflicht, Betriebshaftpflicht für Landwirte, Jagd-Haftpflicht, Tierhalterhaftpflicht, Haus- und Grundbesitzer-Haftpflicht and Bauherren-Haftpflicht variants, for private individuals, businesses, professionals, farmers, hunters, animal owners, homeowners and builders.
• Property insurance (Wohnen und Eigentum) Property insurance portfolio including Bauleistungs-Versicherung, Elektronikversicherung, Gebäudeversicherung (for self-employed and for farmers), Hausratversicherung, Inhaltsversicherung, Landwirtschaftliche Inhaltsversicherung, Photovoltaikversicherung and Wohngebäude-Versicherung for private households, self-employed and farmers.
• Life and pension insurance (Leben und Vorsorge) Life and pension product suite covering Kapital-Lebensversicherung, Risiko-Lebensversicherung, Bestattungsgeld, Berufsunfähigkeitsversicherung (BU), Junge Berufsunfähigkeitsversicherung, Basisrente (Rürup-Rente), Vertrauensrente (Riester-Rente), Privatrente Plus, Sofortrente, Einmalbeitragsrente, Fondsgebundene Rentenversicherung and Betriebliche Altersvorsorge (bAV Direktversicherung) for private customers, employees, managing directors and employer-sponsored groups. Conducted via Itzehoer Lebensversicherungs-AG.
• Accident insurance (Unfall-Schutz) Accident cover broken into Erwachsenen-Unfallschutz (adults), Kinder-Unfallschutz (children) and Unfallpflege (accident-care) variants, with three-tier PUR / KOMFORT / TOP configurator offering progressive invalidity benefits (225% / 400% / 600%) and add-on modules (Reha-Tagegeld, Krankenhaustagegeld). Bundled with Malteser Hilfsdienst post-accident home care (up to 6 months) and TELUS Health psychological counselling (up to 6 times/year, 24/7).
• Health insurance and supplements (Gesundheit) Health cover line consisting of full sickness insurance (Krankenvollversicherung), Krankenhauszusatzversicherung, Ambulante Zusatzversicherung and Zahnzusatzversicherung, for private customers seeking full or supplementary private health cover.
• Travel insurance (Reisen) Range of travel insurance products including Jahres-Auslandsreise-Krankenversicherung (up to 56 days), Auslandsreise-Krankenversicherung for stays up to 5 years, Mietcamperschutz Spezial, Young Travel Incoming/Outgoing for young people up to 5 years in Germany/abroad, Reiseschutz für ausländische Gäste, Reiseversicherungs-Pakete, Jahres-Reiserücktrittversicherung mit Urlaubsgarantie, Auslandsreise-Krankenversicherung for stays up to 365 days, Corona Reiseschutz and Reiserücktritts- und Abbruchversicherung.
• Meine Itzehoer customer portal Self-service customer portal at portal.itzehoer.de where policyholders can manage their insurance contracts, view and download documents, change contract details, register vehicles (Kfz-Online-Zulassung), report claims, and contact the insurer.
• Itzehoer Maklerservice (Broker service / Maklerweb) Separate broker-facing web platform at www.itzehoer-maklerservice.de that independent insurance brokers use to manage and sell Itzehoer policies, including Firmen- und Heilberufe-Rechtsschutz, bAV Direktversicherung, fleet insurance and Werkverkehrsversicherung.
• Itzehoer Konzept Wert (Berufsunfähigkeitsversicherung) Occupational disability insurance (BU) concept branded Itzehoer Konzept Wert, providing income protection if the insured can no longer work in their current profession due to disability. Targeted at employees and self-employed professionals across Germany.

Quantifiable outcome

• Gross written premiums grew 10.5% to €941.1 million in 2025 (from €851.8M prior year)
• +7 more outcomes

Named customers8 records

Segments7 records

Ideal customer profiles7 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature9 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Malteser Hilfsdienst e.V.coreStrategic or Co-development PartnerStrategic partner for the Itzehoer adult accident-protection product. Malteser provides post-accident home-help services (Hausnotruf, meal delivery, household cleaning, accompaniment, laundry, care training, family assistance, day-and-night care, etc.) for up to six months after a fully inpatient hospital stay. Included in KOMFORT and TOP product variants. Strongly tied to the value proposition "Wir kooperieren hier mit dem renommierten Malteser Hilfsdienst e. V."
• TELUS Health GmbHcoreStrategic or Co-development PartnerStrategic partner providing free confidential life and psychological counselling (Gesundheitscoaching, Gesundheitsberatung, Pflegeberatung, Psychotherapeuten-Suche, "We care" follow-up after a severe accident, support with life crises, burn-out, family / partnership issues, child-related questions) up to 6 times a year, 24/7, 365 days a year, included in all accident-protection product variants (PUR, KOMFORT, TOP) independent of an accident event.
• IHM Itzehoer HanseMerkur Finanz- und Versicherungsvermittlungs GmbHcoreChannel Partner/ Reseller/ DistributorGroup-affiliated insurance and financial-services distribution entity (HRB 2082 IZ), 25524 Itzehoe; managed by Christian Herschler, Petra Himmelhan and Martin Röhrs. Used by Itzehoer as a dedicated intermediation vehicle for insurance and financial products, integrated into the group's distribution model.
• Itzehoer Lebensversicherungs-AGcoreOEM/ Whitelabel/ Licensing PartnerSister company / life-insurance subsidiary of the Itzehoer group (HRB 491 IZ); product distribution partner for the "Leben und Vorsorge" portfolio (capital life, term life, occupational pension, Riester/Rürup, annuities, fund-linked RV, bAV).
• Google LLC / Google Ireland Limited (Analytics, AdWords, Remarketing, YouTube, Maps)coreTechnology or IntegrationTechnology, tracking and advertising partner. Google Analytics (with IP-masking) for website analytics, AdWords Conversion Tracking for paid search, Google Remarketing for retargeting, embedded YouTube videos and Google Maps on the site. Integrated via consent management.
• Meta Platforms Ireland Limited (Facebook / Instagram)coreTechnology or IntegrationMarketing partner for Facebook/Instagram ads: Conversion-Tracking pixel, Custom Audience targeting (hashed email/phone) and Retargeting. Used for paid social campaigns and customer re-engagement.
• LinkedIn Ireland Unlimited CompanycoreTechnology or IntegrationMarketing and B2B employer-brand channel. LinkedIn Conversion-Tracking (90-day cookies) for paid campaigns plus the Itzehoer corporate profile for recruitment and B2B.
• Spotify GmbH (Spotify Ad Analytics)minorGTM or Marketing PartnerPodcast / audio advertising measurement partner. Spotify Ad Analytics is used to measure the performance of Itzehoer Spotify campaigns.
• Podscribe (707 Morning Dove Cove, Manchaca TX)minorGTM or Marketing PartnerIndependent automated podcast-ad verification and attribution platform. Podscribe pixel on Itzehoer pages is used to track the success of Itzehoer podcast campaigns.
• IVI Informationsverarbeitungs GmbHcoreImplementation/ SI/ Consulting PartnerLong-standing IT services partner for the technical implementation and operation of the Itzehoer corporate website. Contact: +49 4821 8040-400, [email protected]. Listed in the Impressum as responsible for technical implementation.
• dreizunull GmbH und Co. KGminorImplementation/ SI/ Consulting PartnerConcept and design agency for the Itzehoer corporate website (Bollhörnkai 1, 24103 Kiel, +49 431 240 30 30).
• Versicherungsombudsmann e.V.minorOthersItzehoer is a member of the Versicherungsombudsmann e.V. (Ombudsman for Insurance), the independent, consumer-complaint body for Schaden-/Unfall-/Lebensversicherungen, providing an out-of-court dispute-resolution channel for customers.
• Ombudsmann Private Kranken- und PflegeversicherungminorOthersIndependent, free-of-charge ombudsman for the German private health and care-insurance market, providing complaint resolution for Itzehoer's health-insurance customers.
• Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)minorOthersItzehoer Versicherungen is supervised by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht), the German federal financial regulator, headquartered in Bonn.
• Gesamtverband der Deutschen Versicherungswirtschaft (GDV)minorOthersItzehoer has joined the GDV's "Code of Conduct" for the insurance industry, committing to GDPR-conformant handling of personal data. The GDV also coordinates the standardised consent/declaration forms used by Itzehoer.

Scale indicators11 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• HUK-Coburg: German mutual insurance group (HUK-Coburg Versicherungsgruppe) offering a comparable multi-line portfolio (motor, liability, property, legal protection, life, health) with a strong Vertrauensmann field force — the closest direct peer to Itzehoer's VVaG model and product mix.
• R+V Versicherung: Wiesbaden-based mutual insurer affiliated with the cooperative financial group, operating across motor, life, health, property and legal protection — directly comparable as a multi-line VVaG with similar German retail focus and broker plus tied-agent distribution.
• VHV Versicherungen: Hannover-based mutual insurer (VHV Vereinigte Hannoversche Versicherung) with strength in motor, liability, property and construction-related lines, and a similar broker-and-direct distribution mix — a close P&C mutual peer to Itzehoer.
• DEVK Versicherungen: Cologne-based mutual insurer (DEVK Deutsche Eisenbahn-Versicherung) offering motor, liability, legal protection, property, life and health, anchored in tied-agent and direct distribution — comparable VVaG peer with similar product breadth.
• LVM Versicherung: Münster-based mutual insurer focused on northern and western Germany with motor, property, liability, legal protection, life and accident lines; its regional mutual and field-agent model is highly analogous to Itzehoer's northern-German VVaG setup.
• SV SparkassenVersicherung: Stuttgart-based mutual insurance group tied to the German Sparkassen, offering multi-line coverage including motor, property, liability, life and pension — a direct multi-line mutual peer with a similarly broad but regionally anchored book.
• Gothaer Versicherung: Cologne-based mutual insurer (Gothaer Versicherungsverein VVaG) covering motor, property, liability, life, health and accident — a VVaG peer with comparable product portfolio and broker-channel orientation.

Broad incumbents

• Allianz Versicherungs-AG (Allianz Germany): German arm of Allianz SE, the largest composite insurer in Germany, offering motor, property, life and health — competing head-to-head with Itzehoer in retail lines but with vastly greater scale, capital, and product breadth.
• Generali Deutschland: German arm of the Generali Group, a broad multi-line insurer offering motor, property, liability, life and health — overlaps with Itzehoer across all major lines but as part of a much larger international portfolio.
• AXA Konzern AG (Germany): German operations of the AXA Group, a large multi-line insurer covering motor, property, liability, health and life — competes with Itzehoer in retail and SME segments with significantly greater scale and product breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xxing.com/pages/itzehoer-versicherungen
• YouTubeyoutube.com/channel/UCpdda2lVsfWcB-wWVDSab8w
• Facebookfacebook.com/ItzehoerVersicherungen
• LinkedInlinkedin.com/company/itzehoer-versicherung-brandgilde-von-1691-versicherungsverein-a-g
• Instagraminstagram.com/die_itzehoer/?hl=de

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries2 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 Itzehoer Insurance