KRAVAG

Name

KRAVAG

Legal name

R+V Allgemeine Versicherung AG

Website

https://kravag.de

Company type

Private

Founded year

1949

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Transport & Logistics Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Commercial Auto & Fleet Insurance (FSAJAMAB)

akta.pro secondary industry

Motor Vehicle Liability Insurance (FSAJAMAC)

Keywords

• Commercial vehicle insurance
• Transport insurance products
• Logistics liability coverage
• Fleet insurance Germany
• Cargo insurance services

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Kfz-Versicherung (Motor Vehicle Insurance): Comprehensive motor vehicle insurance products including liability, partial comprehensive, and full comprehensive coverage for commercial fleets and private customers. Revenue is generated through recurring insurance premiums paid by policyholders.
2. Transportversicherung (Transport Insurance): Insurance products covering goods in transit, including freight liability insurance, logistics insurance, and war risk coverage for national and international transport operations.
3. Haftpflichtversicherung (Liability Insurance): Various liability insurance products including operational liability, professional liability, and environmental liability coverage for transport and logistics companies.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

KRAVAG is a German insurance group specializing in motor vehicle, transport, and logistics insurance for the road transport industry. Its core offerings include commercial fleet vehicle insurance (Kfz-Branchen-Police, Kfz-Flotten-Police), transport and logistics liability insurance (KRAVAG-Logistic-Police, Warentransport, Werkverkehr), private customer motor vehicle insurance (Haftpflicht/Teilkasko/Vollkasko), and associated add-on coverages. KRAVAG also operates supporting digital platforms (KRAVAG-online, Wedolo, KRAVAG Truck Parking) and services such as recovery and towing (Lkw/Bus b+a), digital insurance certificate issuance, and a 24/7 claims hotline.

Product overview

KRAVAG is a German insurance company specializing in vehicle and transport insurance for the logistics and road transport industry, operating as part of the R+V Versicherungsgruppe. The product portfolio consists of two core insurance lines: (1) KRAVAG-ALLGEMEINE covering vehicle insurance (KfzPolice) for commercial fleets via Kfz-Branchen-Police and Kfz-Flotten-Police, plus private customer vehicle coverage, and (2) KRAVAG-LOGISTIC covering transport and logistics insurance including KRAVAG-Logistic-Police, Warentransport, Werkverkehr, and related liability products. Add-on products include Kfz-Zusatzdeckung, Schutzbrief für Lieferwagen, and Kfz-Zulassungsservice. Digital platforms include KRAVAG-online (business customer portal), Wedolo (logistics platform), and KRAVAG Truck Parking (parking space booking). Supporting services include Lkw/Bus b+a recovery service, Versicherungsbestätigung, and the Treibstoff customer magazine.

Differentiator

Problem solved

Functional benefit

Brands

• KRAVAG-online: Digital customer portal for business customers to manage insurance contracts and report claims.
• KRAVAG-LOGISTIC
• KRAVAG Truck Parking
• Wedolo
• HK100
• KRAVAG-LOGISTIC Schaden-Hotline
• Lkw / Bus b+a (bergen und abschleppen)

Products and services

• KRAVAG-Logistic-Police Comprehensive single-contract insurance product for freight forwarders, shippers, furniture movers, warehouse operators, and logistics service providers covering all essential liability risks (excluding fleet) for the road transport and logistics industry.
• KRAVAG-KfzPolice (Kfz-Branchen-Police)
• Kfz-Flotten-Police
• KRAVAG-KfzPolice (Privatkunden)
• Werkverkehr
• Warentransport
• KRAVAG-online Business customer digital portal for transport and logistics companies to manage insurance contracts, report damages, check premiums, access statistics, and download insurance certificates, with vehicle lettering ordering.
• Wedolo Joint online platform (KRAVAG, SVG, BGL) for road transport companies providing fleet management, driver administration, departure checks, subcontractor verification, breakdown assistance, digital freight forwarder search, and online business consultations.
• KRAVAG Truck Parking Digital platform and mobile app connecting truck drivers with available secure truck parking spaces at logistics company facilities across Germany; logistics companies offer parking and drivers book via app or web.
• HK100 Coworking space, accelerator, and business builder program in Hamburg (Heidenkampsweg 100) bringing together startups and innovators in logistics and mobility, with 6-12 month free programs, mentorship, workspace, and access to KRAVAG's network.
• Lkw / Bus b+a (Bergen und Abschleppen) 24/7 recovery and towing service for trucks and buses in heavy commercial transport, including complete recovery organization for vehicle and cargo and direct cost coverage for customers with full comprehensive or traffic liability insurance.
• Versicherungsbestätigung (Insurance Confirmation Service)

Quantifiable outcome

• Coverage for political risks maintained during Red Sea crisis without cancellation, unlike competitors
• +2 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

Feature4 records

Partnerships

Eleven partnerships are on record, tiered core, major and minor.

• Straßenverkehrsgenossenschaften (SVG) NetworkcoreChannel Partner/ Reseller/ DistributorThe SVG network consists of regional cooperative insurance partners including SVG Baden-Pfalz-Saar, SVG Berlin-Brandenburg, SVG Bremen, SVG Niedersachsen/Sachsen-Anhalt, SVG Nord, SVG Nordrhein, SVG Sachsen und Thüringen, SVG Südwest, SVG Süd, and SVG Westfalen-Lippe. These partners distribute KRAVAG insurance products and provide local consulting to transport and logistics companies throughout Germany. The SVGen are committed to cooperative structure and prioritize member and customer benefit over short-term profit.
• R+V VersicherungsgruppecoreOthersKRAVAG is an enterprise of the R+V Versicherungsgruppe (Raiffeisen group). R+V is the parent company and provides organizational, financial, and strategic support. R+V Allgemeine Versicherung AG at Raiffeisenplatz 1, 65189 Wiesbaden is the service provider for the kravag.de website.
• KUSS GmbH (KRAVAG Umweltschutz und Sicherheitstechnik GmbH)coreStrategic or Co-development PartnerKUSS GmbH provides environmental protection and safety technology services for KRAVAG. The company offers expert consulting on oil and environmental damage prevention, conducts practical training sessions for transport companies on topics like heating oil delivery safety, and supports damage management. Originally founded by Bernd Melcher during his tenure at KRAVAG.
• BGL (Bundesverband Güterkraftverkehr Logistik und Entsorgung)majorStrategic or Co-development PartnerBGL is the Federal Association of Road Haulage, Logistics and Disposal. Together with SVG and KRAVAG, BGL co-developed the Wedolo digital platform. BGL represents the interests of German transport and logistics companies and is a key industry partner for KRAVAG.
• Wedolo (Joint Platform)majorStrategic or Co-development PartnerWedolo is a joint digital platform project of KRAVAG, SVG, and BGL. The platform provides digital services for road transport companies including fleet management, driver administration, departure checks, and subcontractor verification. The three partners combine their industry experience to create solutions for customers and members.
• team energie GmbH & Co. KGminorStrategic or Co-development PartnerEnergy distribution company partnering with KRAVAG for driver training programs on oil damage prevention during heating oil deliveries. KUSS GmbH conducts regular training sessions at team energie facilities.
• LBT (Landesverband Bayerischer Transport- und Logistikunternehmen)minorStrategic or Co-development PartnerBavarian transport and logistics association. KRAVAG engages with LBT for industry initiatives, interviews, and campaigns like #ichfahrfürdich to promote the transport industry.
• AMÖ (Bundesverband Möbelspedition und Logistik e.V.)minorStrategic or Co-development PartnerFederal Association of Furniture Movers and Logistics. KRAVAG maintains strategic dialogue with AMÖ on industry challenges including digitalization, driver shortages, sustainability, and urban logistics issues affecting the broader logistics sector.
• SVG ConsultminorImplementation/ SI/ Consulting PartnerSVG Consult provides consulting services and collaborated with KRAVAG on cybersecurity awareness content, including podcast participation on Mittelstand and cybersecurity topics.
• NABU (Naturschutzbund Deutschland)minorStrategic or Co-development PartnerNABU Hamburg's 'UnternehmensNatur' (Corporate Nature) project partner. KRAVAG participates in biodiversity consulting for its Hamburg facility at Heidenkampsweg, aiming to create habitat for birds, insects, and other species on its corporate premises.
• VelafricaminorOthersWorld's largest bicycle recycling project. KRAVAG partnered with Velafrica for a bicycle collection action, donating used bicycles to be refurbished in German prisons and shipped to Subsaharan Africa for mobility access.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Zurich Insurance Group (Germany): Global insurer with a German P&C subsidiary offering commercial motor, fleet, and cargo products. Comparable in commercial auto and transport risk underwriting, though at much larger scale and broader product portfolio.
• Allianz Versicherungs-AG (Germany): Germany's largest broad-line P&C insurer offering commercial auto, fleet, cargo, and liability products. Comparable to KRAVAG as a major alternative for German commercial transport insurance, but operates across all P&C segments rather than specialising in road transport.
• Generali Deutschland: Large German P&C insurer (including Dialog Versicherung) offering commercial fleet, motor, and transport insurance. Comparable to KRAVAG in commercial auto underwriting but operates across all P&C segments.
• AXA Konzern AG (Germany): Major German P&C and commercial insurer offering motor fleet, transport, and liability coverage. Overlaps with KRAVAG's commercial customer base but is not specialised in road haulage.
• R+V Versicherung: Parent company of KRAVAG and one of Germany's largest cooperative insurers, offering the full P&C and life/health product suite. Comparable for the corporate/cooperative structure and product breadth, and distributes KRAVAG's private-customer products via its nationwide advisor network.

Direct peers

• VHV Versicherungen: German mutual-style insurer with a strong focus on commercial motor, fleet, and trades insurance (Kfz-Branchenversicherung). Directly comparable to KRAVAG's Kfz-Branchen-Police and Kfz-Flotten-Police offering for commercial transport and trades businesses.
• Gothaer Versicherung: German mutual-style P&C insurer underwriting commercial fleet, motor, and commercial liability lines. Competes directly with KRAVAG in the German commercial auto segment and shares a similar mid-market orientation.
• HDI Versicherung AG: German P&C insurer underwriting commercial fleet, motor liability, and transport insurance products. Directly competes with KRAVAG for German commercial fleet and freight-forwarder accounts, and is comparable in offering commercial auto and cargo coverage in the German market.
• Württembergische Versicherung: German mutual-style insurer with strong commercial and motor offerings, particularly in southern Germany. Directly competes with KRAVAG for commercial fleet and SME transport accounts in overlapping geographies.

Regional players

• SV SparkassenVersicherung: German P&C insurer distributed through the Sparkasse savings-bank network, with commercial motor and SME coverage. Comparable to KRAVAG's P&C and commercial auto offerings but accessed primarily via a different cooperative banking channel.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCxQqGvW3y6Hj4t3x3x3x3x
• LinkedInde.linkedin.com/company/kravag
• TikToktiktok.com/@kravag.versicherung

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries4 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 KRAVAG