KS / AUXILIA
KS/AUXILIA is a Munich-based German legal protection insurance specialist, owned by KS e.V. (Germany's second-largest auto club with ~600,000 members), selling modular subscription Rechtsschutzversicherung policies to private individuals, seniors, civil servants, and businesses via digital, phone, and broker channels.
- Company typePrivate
- Founded1964
- HeadquartersMunich, Germany
- Headcount101–250
- GTM typeB2C
- OfferingServices
What KS / AUXILIA does
KS/AUXILIA is a privately held German insurance group specializing in legal protection insurance (Rechtsschutzversicherung), headquartered in Munich and operating under the corporate umbrella of KRAFTFAHRER-SCHUTZ e.V. (KS e.V.), a 1935-founded automobile association that is Germany's second-largest auto club with approximately 600,000 members. The group's insurance entities — AUXILIA Rechtsschutz-Versicherungs-AG (founded 1964) and KS Versicherungs-AG (founded 1979) — are wholly-owned subsidiaries of KS e.V. The business sells modular subscription policies spanning private, employment, traffic, rental, landlord, criminal, family, inheritance, civil-servant, senior, and commercial coverage, with starting premiums ranging from €5.04/month (traffic) to €17.85/month (seniors) and a mandatory bundled KS e.V. club membership.
The technology stack is a specialist insurance platform rather than an AI-led system: a public-facing premium calculator (Beitragsrechner) supports fully digital policy purchase in roughly 4 minutes, supplemented by customer and intermediary portals, a live lawyer chat (Chat-Beratung) via Userlike, an email-based online legal consultation (Online-Beratung) with 2-business-day turnaround, and a Rechts-Wegweiser guidance tool built on DAHAG Apps. Service delivery is anchored by a network of nearly 300 partner law firms and approximately 1,600 lawyers (including 600+ specialist lawyers/Fachanwälte) offering free initial consultations, plus 24/7 telephone legal information.
Revenue is generated entirely through recurring insurance premiums on monthly, quarterly, semi-annual, and annual billing cycles. The go-to-market combines product-led growth through the online calculator, telephone-based inside sales, and a network of independent insurance brokers (Versicherungsmakler), with the KS e.V. automobile club acting as a captive acquisition funnel. Marketing is multi-channel: SEO/SEM, Meta advertising, AWIN affiliate performance marketing, CleverReach email, and PR/event sponsorships. Awards include ntv Testsieger #1 (2025), SZ Kundenzufriedenheit, and multiple DtGV/softfair/FraLytics quality seals.
KS / AUXILIA firmographics
Firmographics- Name
- KS / AUXILIA
- Legal name
- AUXILIA Rechtsschutz-Versicherungs-AG
- Website
- https://ks-auxilia.de
- Company type
- Private
- Founded year
- 1964
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- KS/AUXILIA is a Munich-based German legal protection insurance specialist, owned by KS e.V. (Germany's second-largest auto club with ~600,000 members), selling modular subscription Rechtsschutzversicherung policies to private individuals, seniors, civil servants, and businesses via digital, phone, and broker channels.
- Ownership category
- akta.pro rank
Where KS / AUXILIA is headquartered
LocationHeadquarters
- HQ city
- Munich
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
KS / AUXILIA business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Legal Protection Insurance Premiums: KS/AUXILIA generates revenue through recurring insurance premiums paid by customers for legal protection coverage across multiple modules (private, employment, traffic, rental, landlord, specialist criminal, family, inheritance). Premiums are collected on monthly, quarterly, semi-annual, or annual billing cycles. KS e.V. club membership is bundled obligatorily with every insurance policy.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Verkehrsrechtsschutz (Traffic Legal Protection) — Starting at €5.04/month |
| Subscription | Monthly | Privatrechtsschutz (Private Legal Protection) — Starting at €9.28/month |
| Subscription | Monthly | JURSENIOR (Senior/Tariff for Seniors) — Starting at €17.85/month |
| Subscription | Monthly | Rechtsschutz für Beamte (Legal Protection for Civil Servants) — Starting at €15.55/month |
| Subscription | Monthly | Mietrechtsschutz (Rental Legal Protection) — Starting at €12.46/month |
| Subscription | Monthly | Schadensersatz-Rechtsschutz (Damage Compensation Legal Protection) — Starting at €12.55/month |
| Subscription | Monthly | KS-Clubmitgliedschaft (Automobile Club Membership Standalone) — Starting at €2.25/month |
| Subscription | Monthly | Gewerberechtsschutz (Commercial Legal Protection) — Starting at €10.16/month |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
KS / AUXILIA product offering
Product offeringCore offering
KS/AUXILIA sells modular German legal protection insurance (Rechtsschutzversicherung) for private individuals, employees, civil servants, seniors and businesses, covering areas including private, employment, traffic, rental, landlord, criminal, family and inheritance disputes. The insurance is sold together with mandatory KS e.V. automobile club membership providing roadside and breakdown assistance, and is supported by free 24/7 telephone legal advice, live chat legal consultation, online legal consultation, and a referral network of approximately 300 law firms.
Product overview
KS/AUXILIA is a German legal protection insurance provider (Rechtsschutzversicherer) offering a comprehensive suite of legal protection insurance products organized around core coverage areas: Privatrechtsschutz (private legal protection), Arbeitsrechtsschutz (employment legal protection), Verkehrsrechtsschutz (traffic legal protection), Mietrechtsschutz (rental legal protection), Vermieterrechtsschutz (landlord legal protection), Spezial-Strafrechtsschutz (special criminal legal protection), Familienrechtsschutz (family legal protection), and Erbrechtsschutz (inheritance legal protection). The company also offers specialized products for Beamte (civil servants) under the JURSENIOR tariff for seniors. Core products can be combined flexibly, with add-on services including Automobilclub membership, protection brief coverage, and premium services like Anwaltssuche (lawyer search), Chat-Beratung (chat consultation), and Online-Beratung (online consultation). The company operates as part of the KS-Group alongside the KS Automobilclub and KS Versicherungs-AG.
Differentiator
Problem solved
Functional benefit
Products and services
- Privatrechtsschutz (Private Legal Protection) Legal protection insurance for private individuals covering private disputes, family coverage for up to 5 generations, unlimited insurance sum worldwide, and premium services including online contract check, flight compensation and preventive legal protection.
- Arbeitsrechtsschutz (Employment Legal Protection) Legal protection insurance for employees covering non-self-employed activities, contacts and lawyer recommendations, and termination contract legal protection.
- Verkehrsrechtsschutz (Traffic Legal Protection) Traffic legal protection insurance starting from EUR 5.04/month with comprehensive coverage including unlimited insurance sum, covering owners, keepers and renters of motor vehicles with telephone legal advice and fine checks.
- Mietrechtsschutz (Rental Legal Protection) Legal protection insurance for renters and property owners starting from EUR 12.46/month, covering building, apartment and property legal protection including privately used garages and parking spaces, with MediationXL for neighbor disputes.
- Vermieterrechtsschutz (Landlord Legal Protection) Legal protection for landlords covering rented or leased buildings, apartments, garages, properties and commercial properties, including tax and administrative legal protection before courts.
- Spezial-Strafrechtsschutz (Special Criminal Legal Protection) Special criminal legal protection insurance covering private, honorary and professional criminal defense for non-self-employed persons.
- Familienrechtsschutz (Family Legal Protection) Legal protection insurance for family matters including separation, divorce, custody and maintenance disputes.
- Erbrechtsschutz (Inheritance Legal Protection) Legal protection insurance for inheritance matters including testament disputes, probate and inheritance conflicts.
- Rechtsschutzversicherung für Beamte (Civil Servant Legal Protection) Specialized legal protection insurance for civil servants and public sector employees starting at EUR 15.55/month, covering disciplinary proceedings, official assessments, transfers, non-promotion, and administrative court proceedings under public-law employment relationships.
- JURSENIOR (Senior Legal Protection Tariff) Senior-specific legal protection tariff (JURSENIOR) starting at EUR 17.85/month with no upper age limit, including extended social legal protection, nursing care counseling legal protection, nursing person insurance, inheritance protection, and preventive legal services.
- Gewerberechtsschutz (Commercial Legal Protection) Commercial legal protection insurance for businesses, small entrepreneurs, self-employed professionals, freelancers, farmers, doctors, and tax consultants.
- Firmenrechtsschutz (Company Legal Protection) Comprehensive legal protection for companies starting from EUR 10.16/month, including firm-area coverage with InkassoPro debt collection, contract legal protection for auxiliary business transactions, business cost check, economic mediation and web check services.
- Automobilclub-Mitgliedschaft (KS Automobile Club Membership) KS e.V. automobile club membership starting at EUR 2.25/month standalone (mandatorily bundled with every insurance policy), including roadside assistance, wild animal damage aid, breakdown help, financial assistance after traffic accidents, and commercial vehicle coverage.
- Schutzbrief (Protection Brief Service) Protection brief service for private and commercial vehicles including breakdown assistance and roadside support, with separate Schutzbrief modules for private and commercial (Gewerbe-Schutzbrief) customers.
Quantifiable outcome
- Online purchase completed in approximately 4 minutes without paper or signature
- +2 more outcomes
Companies that use KS / AUXILIA
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles4 records
KS / AUXILIA technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
KS / AUXILIA partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and minor.
- Kanzlei rightmart Rechtsanwältecorerightmart is a recommended full-service law firm within the AUXILIA lawyer network. It offers innovative and comfortable legal services, with no deductible for initial consultation (Erstberatung) and halved deductible for Flex-SB products. rightmart provides remote legal services matching AUXILIA's digital service approach.
- KS e.V. (Kraftfahrer-Schutz e.V.)coreKS e.V. is the parent automobile club organization founded in 1935, with approximately 600,000 members. It founded AUXILIA Rechtsschutz-Versicherungs-AG in 1964 as a 100% subsidiary. KS e.V. also founded KS Versicherungs-AG in 1979. The three entities form the KS/AUXILIA group. KS e.V. membership is mandatory for purchasing AUXILIA insurance products.
- KS Versicherungs-AGcoreKS Versicherungs-AG, founded in 1979, is a 100% subsidiary of KS e.V. It provides automobile protection brief (Schutzbrief) products that complement the club benefits of KS e.V. Part of the KS/AUXILIA corporate group.
- Partner Law Firms (Lawyer Network)coreNearly 300 law firms with approximately 1,600 lawyers (including 600+ specialist lawyers/Fachanwälte) form the German-wide lawyer referral network. Customers can select lawyers freely (freie Anwaltswahl) and are referred to specialists by region. No deductible applies for initial consultation with network partner lawyers.
- AWIN AGminorAWIN is an affiliate marketing performance advertising network. Publishers (Website operators) place advertising links directing users to the KS/AUXILIA website. Referral commissions are paid for completed insurance policy sales. Joint data processing agreement exists under GDPR Article 26.
- CleverReach GmbH & Co. KGminorNewsletter dispatch service provider for KS/AUXILIA's email marketing activities. Manages newsletter distribution, subscriber list, and newsletter performance analytics (open rates, click rates, conversion tracking). Data processing agreement in place.
- Userlike UGminorLive chat service provider for real-time customer communication on the KS/AUXILIA website. Enables near real-time chat with customer service staff. Chat histories are stored for quality control and customer service continuity.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
KS / AUXILIA competitors and assessment
Company assessmentDirect peers
- ARAG SE: Germany's largest dedicated legal protection insurer, offering the same Rechtsschutzversicherung product suite to private and commercial customers. ARAG is the closest direct competitor to AUXILIA in core specialty lines (private, traffic, employment, rental).
- Roland Rechtsschutz-Versicherungs-AG: Major German specialist legal protection insurer with comparable product architecture (private, traffic, employment, landlord). Directly competes with KS/AUXILIA for both consumers and independent brokers across Germany.
- DEURAG Deutsche Rechtsschutz-Versicherung AG: Specialist legal protection insurer owned by Signal Iduna Gruppe, focused on the same Rechtsschutz niche. Competes head-to-head with KS/AUXILIA on product breadth, price-performance, and broker relationships.
- Advocard Rechtsschutzversicherung AG: Generali-owned legal protection specialist in Germany, offering a directly comparable Rechtsschutz portfolio. Competes for the same private and commercial customers and the same independent broker channel.
Broad incumbents
- ADAC Versicherung AG: Insurance arm of Germany's largest automobile club, selling legal protection, motor, and travel insurance. Closely comparable to KS/AUXILIA's combined auto-club-plus-insurance value proposition, but at materially larger scale and broader product set.
- Allianz Versicherungs-AG: Germany's largest multi-line insurer, offering legal protection as part of a broader P&C, life, and health portfolio. Competes with KS/AUXILIA through bundling, scale advantages, and broker relationships.
- AXA Konzern AG: Major multi-line insurer in Germany with a legal protection line among its P&C products. Overlaps with KS/AUXILIA in customer segments (private, commercial, traffic) but competes from a much broader portfolio.
- HUK-COBURG Versicherungsgruppe: Large German mutual insurer with strong motor and P&C franchise that includes legal protection. Competes with KS/AUXILIA on price-performance and the same independent broker channel.
- R+V Versicherung AG: Multi-line German insurer offering legal protection as part of its P&C portfolio, distributed through banks and brokers. Comparable overlap in private, traffic, and employment legal protection coverage.
Regional players
- AvD (Automobilclub von Deutschland): Historic German automobile club, much smaller than ADAC or KS e.V., providing roadside assistance and member services. Comparable as an automobile club membership model, but with limited insurance overlap.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
KS / AUXILIA social profiles
Digital presenceKS / AUXILIA financial estimates
Financial estimateRevenue estimate
Valuation estimate
KS / AUXILIA leadership team
Management profileNumber of profiles
KS / AUXILIA subsidiaries and ownership
Company hierarchySubsidiaries1 record
KS / AUXILIA funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KS / AUXILIA M&A and investment
M&A and investmentM&A
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KS / AUXILIA
What does KS / AUXILIA do?
KS/AUXILIA sells modular German legal protection insurance (Rechtsschutzversicherung) for private individuals, employees, civil servants, seniors and businesses, covering areas including private, employment, traffic, rental, landlord, criminal, family and inheritance disputes. The insurance is sold together with mandatory KS e.V. automobile club membership providing roadside and breakdown assistance, and is supported by free 24/7 telephone legal advice, live chat legal consultation, online legal consultation, and a referral network of approximately 300 law firms.
Is KS / AUXILIA a public or private company?
KS / AUXILIA is a private company. It is classified as corporate owned and is currently operating.
When was KS / AUXILIA founded?
KS / AUXILIA was founded in 1964. It employs 101 to 250 people.
Where is KS / AUXILIA based?
KS / AUXILIA is headquartered in Munich, Germany, in the Europe region.
How does KS / AUXILIA make money?
One revenue line is on record: legal Protection Insurance Premiums.
Who are KS / AUXILIA's main competitors?
Direct peers on record are ARAG SE, Roland Rechtsschutz-Versicherungs-AG, DEURAG Deutsche Rechtsschutz-Versicherung AG and Advocard Rechtsschutzversicherung AG. Broad incumbents are ADAC Versicherung AG, Allianz Versicherungs-AG, AXA Konzern AG, HUK-COBURG Versicherungsgruppe and R+V Versicherung AG. AvD (Automobilclub von Deutschland) is listed as a regional player.
Does KS / AUXILIA have an API?
No public API is recorded for KS / AUXILIA.