AvD Wirstchaftsdienst

What AvD Wirstchaftsdienst does

AvD (Automobilclub von Deutschland e.V.), operating through its wholly-owned subsidiary AvD Wirtschaftsdienst GmbH, is a Frankfurt-based German automobile club founded in 1899 that provides membership-based roadside assistance, insurance intermediation, travel services, and member benefits. The organization operates three core membership tiers — AvD HELP (Germany-wide protection), AvD HELP PLUS (worldwide protection with medical repatriation), and AvD HELP PLUS Familie (family worldwide coverage) — priced annually between €22 and €129, alongside a separate EV charging card product (AvD CHARGe Ladekarte) priced at €1.99/month for members. The technology stack comprises a self-serve website with a tariff advisor tool, native iOS/Android apps with GPS-enabled breakdown assistance location transmission, RFID-based charging infrastructure integrated via smartlab/ladenetz.de, and a digital benefits platform (AvD Vorteilswelt) powered by ehrenamt24 Benefits GmbH.

The business model combines recurring subscription revenue from membership fees with insurance intermediation commissions earned by AvD Wirtschaftsdienst GmbH across motor vehicle, classic car, legal expense, travel health, trip cancellation, and dental supplementary insurance products. Additional revenue streams include partner commissions from a network exceeding 200 cooperation partners (FleetCard4You fuel discounts, fahrzeuge.de vehicle purchasing, weg.de travel, Bosch Service, Rameder, Maritim Hotels, LEGOLAND, etc.) and ancillary services such as the annual AvD Reifentest tire testing program (conducted with TEMPOTIRE), driver safety training, legal consultation, and motorsport event organization (AvD DRIFT Championship, German Karting Series, BELMOT Oldtimer-Grand-Prix). The customer base is composed of individual German motorists across primary segments including families with vehicles, classic car enthusiasts, electric vehicle owners, and motorists with disabilities. AvD holds a regulated insurance agent permit (§34d GewO) and operates from its headquarters at Goldsteinstraße 237, Frankfurt am Main, led by Managing Director and President Lutz Leif Linden, with no external institutional investors or parent company ownership.

Name

AvD Wirstchaftsdienst

Legal name

Automobilclub von Deutschland e. V.

Website

https://avd.de

Company type

Private

Founded year

1899

Operating status

Operating

Headcount range

101–250 employees

Short description

AvD Wirtschaftsdienst is the insurance intermediation subsidiary of AvD (Automobilclub von Deutschland), a Frankfurt-based German automobile club founded in 1899 offering tiered membership roadside assistance, insurance products, and partner benefits to individual German motorists.

Ownership category

akta.pro rank

Product category

Insurance Intermediation

NAICS

Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Personal Auto Insurance (FSAJAMAA)

akta.pro secondary industry

Electric Vehicle (EV) Personal Auto Insurance (FSAJAAAH)

Keywords

• Insurance intermediation
• Automobile club insurance
• Motor vehicle insurance
• Classic car insurance
• Travel insurance

Headquarters

HQ city

Frankfurt

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. Membership Subscriptions: Annual membership fees provide the primary recurring revenue stream. Three main tiers: AvD HELP (Germany-wide protection), AvD HELP PLUS (worldwide protection), and AvD HELP PLUS Familie (family worldwide protection). Pricing ranges from €22-129 per year depending on coverage level and promotions.
2. Insurance Products Commission: AvD acts as insurance intermediary through AvD Wirtschaftsdienst GmbH, offering motor vehicle insurance, classic car insurance, legal protection insurance, travel insurance (health, trip cancellation), and dental supplementary insurance. Earns commissions on insurance products sold to members.
3. Partner Commission Revenue: Revenue generated through affiliate partnerships with over 200 companies across automotive, travel, retail, and technology sectors. Members receive exclusive discounts while AvD earns commissions on transactions facilitated through the partnership network.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels11 records

Core offering

AvD Wirtschaftsdienst GmbH is the wholly-owned insurance intermediation subsidiary of the Automobilclub von Deutschland (AvD), operating as a registered Versicherungsvertreter (insurance representative) under § 34d Abs. 1 GewO. The company distributes motor vehicle, classic car, repair-cost, legal expense, foreign travel health, trip cancellation, and supplemental dental insurance products to AvD club members, earning commissions on policies facilitated through the membership ecosystem.

Product overview

AvD (Automobilclub von Deutschland) is a German automobile club offering a tiered membership structure with three core products: AvD HELP (base Germany-wide protection), AvD HELP PLUS (extended Europe/worldwide protection with medical repatriation), and AvD HELP PLUS Familie (comprehensive family coverage). The organization provides a comprehensive insurance portfolio including motor vehicle, classic car, repair cost, legal expense, travel health, trip cancellation, and dental insurance. Additional services include bicycle protection, tire testing, traffic law consulting, driving safety training, and an electric vehicle charging card (AvD CHARGe Ladekarte). The membership benefits program (Vorteilswelt) provides access to over 200 partner offers including fuel discounts (FleetCard4You), vehicle purchasing (fahrzeuge.de), travel booking (AvD Reisewelt/weg.de), and leisure attractions. AvD also organizes motorsport events including the AvD DRIFT Championship, German Karting Series, and historic events like the AvD-Histo-Monte and AvD-Histo-Tour.

Differentiator

Problem solved

Functional benefit

Products and services

• AvD Kfz-Versicherung

Quantifiable outcome

• 5 consecutive years ranked 1st place in pricing and conditions among German automobile clubs
• +4 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

33 partnerships are on record, tiered core and minor.

• smartlab Innovationsgesellschaft mbH / ladenetz.decoreTechnology or IntegrationAvD CHARGe Ladekarte is offered in partnership with smartlab and their ladenetz.de product, providing members access to a large public charging network with RFID-based charging cards. Members receive preferential rates (€1.99/month vs €3.99/month for non-members) and discounted charging prices (AC €0.55/kWh, DC €0.68/kWh for members).
• fleetcard4YoucoreGTM or Marketing PartnerFuel discount partnership offering AvD members 2 cents per liter discount on diesel and petrol at over 5,000 German stations (TotalEnergies, Aral, AVIA, Eni, Westfalen). Optional European network with around 21,000 acceptance points.
• Bosch ServiceminorGTM or Marketing Partner€10 club bonus on inspections conducted according to manufacturer specifications at participating Bosch Service locations across Germany. Members receive value voucher redeemable at inspection.
• fahrzeuge.de by TOHAcoreGTM or Marketing PartnerExclusive vehicle purchasing partnership offering EU vehicles up to 40% below German recommended retail price plus an additional €500 AvD member discount. Covers new and used vehicles with financing, leasing, and registration services.
• EurobikeminorGTM or Marketing PartnerPartnership for professionally organized cycling tours in Europe. AvD members receive club bonuses on cycling vacation packages including route planning, modern bicycles, luggage transport, and accommodation services.
• LEGOLAND Deutschland ResortminorGTM or Marketing Partner15% club bonus on 1-day tickets for the LEGOLAND theme park season 2026, which runs from March 28 to November 8, 2026. Family-oriented entertainment with 11 themed worlds.
• Berge & MeerminorGTM or Marketing PartnerTravel partnership with Germany's leading direct travel operator, offering 10% club bonus on round trips, combination trips, cruises, and flight/car travel. Many extras included in travel price.
• CT InspectionsminorGTM or Marketing PartnerDigital inspection standards for classic and youngtimer vehicles. €10 club bonus on vehicle inspections with objective, standardized inspection content. Covers insurance assessments up to €100,000/€150,000 depending on report type.
• Classic TraderminorGTM or Marketing PartnerEurope's marketplace for classic and youngtimer vehicles. AvD members receive one free 60-day listing with up to 100 high-resolution images and optional video. Platform receives over 1 million visitors monthly and 7 million page views.
• Madame Tussauds BerlinminorGTM or Marketing Partner15% club bonus on admission tickets to Madame Tussauds Berlin wax figure museum featuring over 100 life-like wax figures and interactive experiences. Located on Unter den Linden boulevard.
• SEA LIFE OberhausenminorGTM or Marketing Partner15% club bonus on tickets to SEA LIFE Oberhausen aquarium featuring 7 themed areas and a 10-meter underwater tunnel. Includes Germany's largest shark breeding facility.
• Deutscher Camping-Club e.V. (DCC)minorGTM or Marketing PartnerDCC Campingführer Europa 2026 (76th edition) available to AvD members at the special price of €14.00 plus €6.90 shipping (regular price €23.90). Covers over 4,500 European and 1,600 German campsites.
• dasMOBILWERKminorGTM or Marketing Partner10% club bonus on car covers for classic and youngtimer vehicles. Products protect vehicle paint from environmental damage, UV radiation, and scratches. Covers are custom-fitted for perfect fit.
• AvD Wirtschaftsdienst GmbHcoreStrategic or Co-development PartnerAvD subsidiary company handling insurance product distribution. Provides motor vehicle insurance, classic car insurance, legal protection insurance, travel insurance, and dental supplementary insurance through authorized insurance intermediaries.
• Dell TechnologiesminorGTM or Marketing PartnerTechnology partnership through Dell Business Partnerships Program offering members up to 43% savings during Days of Deals plus additional 8% discount with partner passcode. Includes business technology solutions and consulting.
• weg.de / AvD ReiseweltcoreGTM or Marketing Partner5% club bonus on package and last-minute travel through AvD Reisewelt powered by weg.de (Stiftung Warentest winner). Access to over 70 tour operators and 80,000 hotels with price guarantee.
• TEMPOTIREminorStrategic or Co-development PartnerCollaborative tire testing partner for the annual AvD tire test program (AvD Reifentest). Provides specialized testing services for summer, all-season, and winter tires to deliver objective consumer guidance.
• Mister SpexminorGTM or Marketing PartnerEyewear partner offering AvD members exclusive club bonuses on prescription glasses, sunglasses, and contact lenses through the online optician.
• Maritim HotelsminorGTM or Marketing Partner12% club bonus at Maritim Hotels across Germany including welcome drink. Hotel chain partner for travel and accommodation benefits.
• Ottinger SchneekettenminorGTM or Marketing Partner25% club bonus on premium snow chains. Premium manufacturer Ottinger provides snow chains meeting Austrian Ö-Norm 5117 standard, required in many Alpine ski resorts.
• TÜV RheinlandminorGTM or Marketing Partner€20 club bonus on classic car short appraisal reports. TÜV Rheinland provides vehicle inspection and appraisal services for classic and youngtimer vehicles.
• RamederminorGTM or Marketing Partner12% club bonus on trailer hitches and transport systems. Europe's #1 supplier of trailer hitches offers AvD members discounts on towbar systems and cargo solutions.
• Driver Reifen und Kfz-Technik / PirelliminorGTM or Marketing PartnerSpecial conditions for AvD members on tires and vehicle technology services through Driver/Pirelli partnership network across Germany.
• ROTWEISSminorGTM or Marketing Partner10% club bonus on paint and surface care products from ROTWEISS for vehicle maintenance and detailing.
• BIDaCLASSICSminorGTM or Marketing Partner25% club bonus on auction fees for successful classic car auctions through BIDaCLASSICS platform.
• PrimerosminorGTM or Marketing Partner10% club bonus on first aid courses for businesses, driving students, students, instructors, and interested parties.
• DAZNminorGTM or Marketing Partner4% club bonus on DAZN gift vouchers. Sports streaming partner accessible via app, Smart TV, smartphone, or browser.
• Motorbuch Versand ShopminorGTM or Marketing PartnerClub benefits including free shipping without minimum order, exclusive offers, and up to 75% savings on books and media about mobility, technology, and active leisure.
• SanopolyminorGTM or Marketing Partner30% club bonus on nutritional supplements developed by Dr. Matthias Welker based on over 20 years of medical practice experience. Products target nutrient deficiencies and daily wellbeing.
• Offroad am NürburgringminorGTM or Marketing Partner10% club bonus on ultimate offroad driving competency training at the Nürburgring race track, known as the 'Grüne Hölle' (Green Hell).
• Enterprise HoldingminorGTM or Marketing PartnerCar rental partnership offering up to 12% discount on vehicle rentals. Part of the travel and mobility benefits ecosystem.
• ehrenamt24 Benefits GmbHcoreTechnology or IntegrationPowers the AvD Vorteilswelt (benefits platform) providing the technical infrastructure for member access to exclusive partner offers and discounts.
• Camping Card InternationalminorGTM or Marketing PartnerClub bonus at over 3,000 camping sites across Europe through Camping Card International partnership.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Regional players

• ANWB: Dutch membership-based association offering roadside assistance, travel, and insurance services. Comparable membership-club operating model serving a European market neighboring AvD's footprint.
• ÖAMTC (Österreichischer Automobil-, Motorrad- und Touring Club): Austrian automobile club with similar membership, roadside assistance, and insurance offerings. Comparable operating model serving a neighboring German-speaking market where AvD also has presence.
• TCS (Touring Club Suisse): Swiss automobile club with comparable membership structure, roadside assistance, and member benefits. Comparable operating model serving German-speaking Switzerland, one of AvD's operating geographies.

Emerging players

• Check24 Vergleichsportal: German price-comparison platform for insurance and travel products. Represents the digital distribution model that threatens traditional insurance intermediaries like AvD Wirtschaftsdienst by enabling direct consumer purchasing.

Direct peers

• ADAC (Allgemeiner Deutscher Automobil-Club): Germany's largest automobile club with ~21M members, offering roadside assistance, insurance, travel, and member benefits. Most direct competitor to AvD in the German automobile club market and the dominant incumbent AvD explicitly compares against.
• ARCD Auto- und Reiseclub Deutschland: Smaller German automobile club offering comparable roadside assistance, insurance intermediation, and travel services. Direct competitor targeting value-oriented motorists.
• ACE Auto Club Europa: German automobile club competing directly with AvD for breakdown assistance and travel insurance members. Smaller than ADAC but operates a similar membership-based service model targeting price-conscious motorists.

Broad incumbents

• HUK-COBURG: Large German insurance carrier specializing in motor vehicle insurance with direct-to-consumer distribution. Relevant incumbent in the same auto insurance intermediation market where AvD Wirtschaftsdienst operates.
• ADAC Versicherung AG: Insurance arm of ADAC, the largest direct competitor to AvD Wirtschaftsdienst's insurance intermediation business. Captures the captive insurance demand of ADAC's 21M+ members.
• RAC (Royal Automobile Club): UK-based roadside assistance and membership club with insurance and travel services. Comparable offering mix (membership + insurance intermediation + travel) but operates at much larger scale as an established incumbent.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCLQ_EHMwuz5zGdnAUXCzcFw
• Facebookfacebook.com/AvD.DE
• Instagraminstagram.com/automobilclub_von_deutschland
• TikToktiktok.com/@avd_1899
• LinkedInlinkedin.com/company/automobilclub-von-deutschland-e.v.

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

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 AvD Wirstchaftsdienst