Itzehoer Insurance
- Company typePrivate
- Founded1906
- HeadquartersItzehoe, Germany
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
Itzehoer Insurance firmographics
Firmographics- 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
Itzehoer Insurance industry classification
Industry- 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
Where Itzehoer Insurance is headquartered
LocationHeadquarters
- HQ city
- Itzehoe
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
Itzehoer Insurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure, Supply Chain
Revenue model
- 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).
- 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.
- Health insurance premiums: Premiums from full health insurance (Krankenvollversicherung) and supplementary health (Krankenhauszusatz, Ambulante Zusatz, Zahnzusatz).
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Children accident insurance (Kinder-Unfallschutz) starting example from €8.26 per month for PUR with 225% progression |
| Subscription | Monthly | Adult accident insurance (Erwachsenen-Unfallschutz) example from €16.46 per month for PUR with standard benefits |
| Other | Annual | Corporate direct insurance (Direktversicherung / bAV) – tax- and social-security-free contributions up to 8% of BBG (tax-free) and 4% of BBG (social-security-free) |
| Other | Pay-as-you-go | Other products (Kfz TOP DRIVE, Hausrat, Wohngebäude, Rechtsschutz, etc.) are quote-based on application |
Go-to-market motion5 records
Distribution channels5 records
Marketing channels13 records
Itzehoer Insurance product offering
Product offeringCore 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
Companies that use Itzehoer Insurance
Customer profileNamed customers8 records
Segments7 records
Ideal customer profiles7 records
Itzehoer Insurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature9 records
Itzehoer Insurance partnerships and signals
Strategic signalPartnerships
15 partnerships are on record, tiered core and minor.
- Malteser Hilfsdienst e.V.coreStrategic 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 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 GmbHcoreGroup-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-AGcoreSister 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, 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)coreMarketing 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 CompanycoreMarketing 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)minorPodcast / audio advertising measurement partner. Spotify Ad Analytics is used to measure the performance of Itzehoer Spotify campaigns.
- Podscribe (707 Morning Dove Cove, Manchaca TX)minorIndependent automated podcast-ad verification and attribution platform. Podscribe pixel on Itzehoer pages is used to track the success of Itzehoer podcast campaigns.
- IVI Informationsverarbeitungs GmbHcoreLong-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. KGminorConcept and design agency for the Itzehoer corporate website (Bollhörnkai 1, 24103 Kiel, +49 431 240 30 30).
- Versicherungsombudsmann e.V.minorItzehoer 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 PflegeversicherungminorIndependent, 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)minorItzehoer Versicherungen is supervised by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht), the German federal financial regulator, headquartered in Bonn.
- Gesamtverband der Deutschen Versicherungswirtschaft (GDV)minorItzehoer 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
Itzehoer Insurance competitors and assessment
Company assessmentDirect 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
Itzehoer Insurance social profiles
Digital presenceItzehoer Insurance compliance and trust
Trust signalCompliance5 records
Itzehoer Insurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Itzehoer Insurance leadership team
Management profileNumber of profiles
Profiles7 records
Itzehoer Insurance subsidiaries and ownership
Company hierarchySubsidiaries2 records
Itzehoer Insurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Itzehoer Insurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Itzehoer Insurance
What does Itzehoer Insurance do?
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.
Is Itzehoer Insurance a public or private company?
Itzehoer Insurance is a private company. It is classified as management employee owned and is currently operating.
When was Itzehoer Insurance founded?
Itzehoer Insurance was founded in 1906. It employs 501 to 1,000 people.
Where is Itzehoer Insurance based?
Itzehoer Insurance is headquartered in Itzehoe, Germany, in the Europe region.
How does Itzehoer Insurance make money?
Five revenue lines are on record. Insurance premiums (Schaden-/Unfall- und Sachversicherung) is the primary driver. The others are life and pension insurance premiums, health insurance premiums, single-premium / one-off life and pension contributions and insurance brokerage / intermediary commissions (IHM Itzehoer HanseMerkur).
Who are Itzehoer Insurance's main competitors?
Direct peers on record are HUK-Coburg, R+V Versicherung, VHV Versicherungen, DEVK Versicherungen, LVM Versicherung, SV SparkassenVersicherung and Gothaer Versicherung. Broad incumbents are Allianz Versicherungs-AG (Allianz Germany), Generali Deutschland and AXA Konzern AG (Germany).
Does Itzehoer Insurance have an API?
No public API is recorded for Itzehoer Insurance.
What industry is Itzehoer Insurance in?
Itzehoer Insurance's product category is Personal and Commercial Insurance. Its primary akta.pro industry code is FSAJAMAA, Personal Auto Insurance. Its NAICS code is 52411 and its SIC code is 6331.