What ALLRECHT does

ALLRECHT Rechtsschutzversicherungen is a German legal expense insurance brand of DEURAG Deutsche Rechtsschutz-Versicherung AG, which is wholly owned by the SIGNAL IDUNA Gruppe insurance conglomerate and headquartered in Wiesbaden, Germany. The company specializes exclusively in Rechtsschutzversicherung (legal protection insurance) across six core product lines: Privatrechtsschutz (private), Berufsrechtsschutz (occupational), Verkehrsrechtsschutz (traffic), Vermieterrechtsschutz (landlord), Mieterrechtsschutz (tenant), and Firmen-Rechtsschutzversicherung (business). Customer segments span individuals, employees, civil servants, self-employed professionals, freelancers, tradespeople, and small businesses across all life stages. Revenue is generated through recurring insurance premiums on 3-year subscription contracts, with modular coverage (private/work/traffic/housing), tiered product lines (Pur, Basis, Premium), and a standard €250 deductible option.

Name

ALLRECHT

Legal name

DEURAG Deutsche Rechtsschutz-Versicherung AG

Website

https://allrecht.de

Company type

Private

Operating status

Operating

Short description

ALLRECHT is a German legal expense insurance brand of DEURAG Deutsche Rechtsschutz-Versicherung AG (SIGNAL IDUNA Group), offering private, occupational, traffic, housing, and business legal protection insurance to individuals and small businesses in Germany through digital, field advisor, and broker channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Wiesbaden

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. Rechtsschutzversicherung Prämien (Legal Expense Insurance Premiums): ALLRECHT generates revenue through recurring insurance premiums paid by policyholders for legal expense coverage. Customers select from product lines (Pur, Basis, Premium) and coverage modules (private, occupational, traffic, housing) with configurable deductibles. Premiums are paid on a monthly or annual billing cycle over a standard 3-year contract term. Additional revenue derives from optional add-on coverage modules.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

ALLRECHT is the legal expense insurance (Rechtsschutzversicherung) brand of DEURAG Deutsche Rechtsschutz-Versicherung AG, part of the SIGNAL IDUNA Group. It sells insurance policies covering attorney fees, court costs, expert witness costs, mediation, and related legal expenses across private, occupational, traffic, housing, and business areas. The offering is structured across three product lines (Pur, Basis, Premium) with configurable coverage modules, supplemented by telephone/online legal consultation, online tariff configuration, and lawyer search services.

Product overview

ALLRECHT is a legal expenses insurance brand of DEURAG Deutsche Rechtsschutz-Versicherung AG, offering a comprehensive portfolio of legal protection insurance products. The core offering consists of six main insurance types: Privatrechtsschutz (private legal protection), Berufsrechtsschutz (professional legal protection), Verkehrsrechtsschutz (traffic legal protection), Vermieterrechtsschutz (landlord protection), Mieterrechtsschutz (tenant protection), and Firmen-Rechtsschutzversicherung (business legal protection). These are complemented by supplementary service offerings including online calculators (Prozesskostenrechner, Bußgeldrechner, Fluggastentschädigungsrechner), legal consultation services (JuraFon telephone advice, Online legal advice), and contract review services (VertragsCheck, WebsiteCheck, AGBCheck). The company also provides a premium configuration tool (Tarifrechner) for customers to customize and price their coverage.

Differentiator

Problem solved

Functional benefit

Products and services

• Privatrechtsschutz (Private Legal Protection) Comprehensive legal expense insurance for private life covering disputes with neighbors, employment issues, consumer purchases, housing and other civil matters. Covers lawyer fees, court costs, expert witness costs, witness expenses, mediation costs, correspondence lawyer fees, and travel costs to foreign courts in insured legal cases. Designed for individuals and families.
• Berufsrechtsschutz (Professional Legal Protection) Legal expense insurance covering workplace disputes, dismissals, and disciplinary actions for employees, civil servants, and public sector workers. Covers attorney fees, court costs, and related legal expenses in employment-related disputes.
• Verkehrsrechtsschutz (Traffic Legal Protection) Legal expense insurance for road traffic matters including accidents, traffic violations, fines, driving license issues, and vehicle-related disputes. Covers attorney fees, court costs, and related expenses.
• Vermieterrechtsschutz (Landlord Legal Protection) Legal expense insurance for landlords covering disputes with tenants, rent collection, lease terminations, and property-related legal matters. Covers attorney fees, court costs, and related expenses.
• Mieterrechtsschutz (Tenant Legal Protection) Legal expense insurance for tenants covering rental disputes, deposit issues, landlord conflicts, and lease termination problems. Covers attorney fees, court costs, and related expenses.
• Firmen-Rechtsschutzversicherung (Business Legal Protection) Comprehensive legal expense insurance for entrepreneurs, self-employed individuals, freelancers, and tradespeople covering business-related legal disputes, contract disputes, criminal defense for business owners, and trade-specific legal risks.
• JuraFon Telephone Legal Advice Telephone-based legal consultation service staffed by qualified lawyers, available to customers for early legal guidance before formal legal proceedings are initiated. Provided as part of the ALLRECHT legal protection offering.
• Online Legal Advice (Rechtsberatung Online) Online legal consultation service allowing customers to receive professional legal guidance digitally from legal professionals. Complements the JuraFon telephone service with an asynchronous/online channel.
• VertragsCheck (Contract Check) Service that reviews and checks contracts for legal compliance and potential issues, performed by legal professionals. Available to customers of ALLRECHT.
• WebsiteCheck Service that reviews websites for legal compliance including Impressum, privacy policy, and terms of service. Targeted at businesses and self-employed customers needing web presence compliance.
• AGBCheck (General Terms and Conditions Check) Service that reviews and ensures General Terms and Conditions (AGB) are legally compliant. Targeted at businesses and self-employed customers.
• Tarifrechner (Premium Calculator) Online tool for calculating and configuring insurance premiums based on selected coverage options including coverage areas (private, work, traffic, housing), household status (family vs. single), and deductible level. Produces personalized quotes for prospective policyholders.

Quantifiable outcome

• Franke und Bornberg Rating: SEHR GUT FFF (01/2026) – Privatrechtsschutz Basis Familie and Privatrechtsschutz Premium Familie both achieved top FFF rating
• +4 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Six partnerships are on record, tiered core and minor.

• SIGNAL IDUNA GruppecoreStrategic or Co-development PartnerALLRECHT is a brand of DEURAG Deutsche Rechtsschutz-Versicherung AG, which is a wholly-owned subsidiary of SIGNAL IDUNA Gruppe, a major German insurance group. The SIGNAL IDUNA Group provides corporate backing, brand strength, capital, and distribution reach, while ALLRECHT operates as the dedicated legal expense insurance brand within the group.
• DEURAG Deutsche Rechtsschutz-Versicherung AGcoreOEM/ Whitelabel/ Licensing PartnerDEURAG is the operating insurance company behind the ALLRECHT brand. ALLRECHT is a trademarked brand name used by DEURAG to market its legal expense insurance products. DEURAG underwrites the policies and manages operations, while ALLRECHT serves as the consumer-facing brand with its own marketing, website, and customer interface.
• ALEGOS RechtsanwälteminorImplementation/ SI/ Consulting PartnerALEGOS Rechtsanwälte is identified as a partner law firm (Partnerkanzlei) that provides legal review and validation of educational content published on the ALLRECHT blog (Alles was Recht ist). The firm reviews blog articles for legal accuracy before publication.
• VETO Rechtsanwaltsgesellschaft mbHminorImplementation/ SI/ Consulting PartnerVETO Rechtsanwaltsgesellschaft mbH is a partner law firm that provides legal review services for ALLRECHT blog content, ensuring accuracy and legal correctness of informational articles on topics such as inheritance law.
• Versicherungsombudsmann e.V.minorOthersALLRECHT (via parent DEURAG) is a member of Versicherungsombudsmann e.V., an independent out-of-court dispute resolution body for the German insurance industry. Policyholders can обращаться to the ombudsman for free dispute resolution in insurance contract matters without requiring legal representation.
• Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)coreOthersBaFin is the German Federal Financial Supervisory Authority responsible for overseeing ALLRECHT's (DEURAG's) insurance operations. As a licensed insurance provider, ALLRECT operates under BaFin supervision to ensure compliance with German insurance regulations and consumer protection standards.

Scale indicators2 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• R+V Versicherung: R+V is a large German insurance group affiliated with the cooperative banking sector, offering legal expense coverage within a diversified portfolio. It is comparable as a broad German insurance incumbent that competes with ALLRECHT's specialist positioning.
• HUK-COBURG: HUK-COBURG is one of the largest German insurance groups, offering legal expense insurance as part of a broad P&C and life portfolio. It competes with ALLRECHT in legal expense but with the scale advantage of bundling across multiple insurance lines.
• Generali Deutschland: Generali Deutschland is a major multi-line insurance group operating Advocard for legal expense alongside life, health, and P&C products. It competes with ALLRECHT across both legal expense specifically and the broader German insurance distribution ecosystem.
• Debeka Versicherungen: Debeka is one of Germany's largest insurance groups, offering legal expense insurance as part of its diversified portfolio serving private and public-sector customers. It competes with ALLRECHT but does not specialize exclusively in Rechtsschutz.
• VHV Versicherungen: VHV is a German insurance group offering legal expense insurance within a broader P&C portfolio focused on commercial and public-sector customers. It overlaps with ALLRECHT's business legal expense segment but competes as a multi-line carrier.
• Zurich Versicherung Deutschland: Zurich's German subsidiary is a broad-line insurer that includes legal expense insurance alongside property, casualty, and life products. It is a comparable incumbent competing in the same German legal expense market but as part of a much wider portfolio.

Direct peers

• ROLAND Rechtsschutz: ROLAND is a leading German legal expense insurance specialist with a comparable product portfolio spanning private, professional, traffic, and business legal protection. It competes directly with ALLRECHT for the same customer segments via similar broker and direct channels.
• ARAG: ARAG is the largest legal expense insurance specialist in Germany and globally, offering the same Rechtsschutzversicherung product categories (private, occupational, traffic, landlord/tenant) with comparable direct and broker distribution. It is ALLRECHT's most direct head-to-head competitor in the German market.
• ÖRAG Rechtsschutzversicherung: ÖRAG is a dedicated German legal expense insurance carrier with overlapping private, professional, and commercial Rechtsschutz products. It is a comparable specialist competitor to ALLRECHT in the German market.
• Advocard Rechtsschutz: Advocard is a German legal expense insurance specialist operating under the Generali Deutschland group. It offers the same Rechtsschutzversicherung modules as ALLRECHT and competes for the same private and professional customer base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 ALLRECHT