What R+V Versicherung does

R+V Versicherung AG, founded in 1922 and headquartered in Wiesbaden, Germany, is one of Germany's largest insurance and financial services providers, operating as the insurance specialist within the Genossenschaftliche FinanzGruppe der Volksbanken Raiffeisenbanken (Cooperative Financial Group). The company serves both private individuals and corporate customers across a comprehensive product portfolio spanning property and casualty (auto, home/contents, liability, legal protection, pet, travel), health (statutory, private, supplementary dental, hospital daily allowance, nursing care), accident and disability (occupational disability, service disability, basic abilities), and life and retirement (term life, endowment, private pension, Rürup, company pension via social partner models including the chemical sector, and the forthcoming Frühstart-Rente for children). It operates through wholly-owned subsidiaries CONDOR and KRAVAG (insurance), R+V Re (reinsurance), and Gruppo Assimoco (Italy), giving it both domestic depth and selective international exposure.

The company sells through a hybrid go-to-market model anchored on three pillars: a 5,000-advisor personal advisory network, the nationwide cooperative bank branch network of Volksbanken Raiffeisenbanken, and direct digital self-service via ruv.de with the Meine R+V customer portal, online tariff calculators, and the R+V Gesundheit App for paperless medical receipt submission. Pricing is subscription-based across recurring premium products, with entry-level prices ranging from €2.08/month for MietkautionsBürgschaft to €33/year for auto insurance and multi-year contracts running through 2027 for mopeds and e-scooters. Distribution is enhanced by health-tech integrations including TeleClinic (telemedicine) and DiGA (prescribed digital health applications), plus a Digitaler PflegeBerater for caregiver guidance. Member benefits include up to 10% cashback for cooperative bank members and a €30 referral payout via Kunden-werben-Kunden.

Revenue is generated through recurring insurance premiums (subscription), investment/fund-linked pension products (AnsparKombi Safe+Smart, AnlageKombi Safe+Smart, PrivatRente IndexInvest), and transaction-fee-based banking adjuncts (rent deposit guarantees). R+V monetizes its research capabilities through the R+V Infocenter and Unwetterstudie, which generate earned media coverage and reinforce brand authority rather than direct revenue. The company is led by CEO Claudia Andersch and operates as a privately held cooperative-aligned entity, with no public funding rounds or public financial disclosures in the available data.

Name

R+V Versicherung

Legal name

R+V Allgemeine Versicherung AG

Website

https://ruv.de

Company type

Private

Founded year

1922

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

R+V Versicherung is one of Germany's largest insurance providers, offering property, health, life, disability, and pension products through a 5,000-advisor network, the cooperative Volksbanken Raiffeisenbanken banking network, and digital self-service to private and corporate customers across Germany.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Finance and Insurance (52)

SIC

Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321), Life Insurance (6311), Insurance Carriers, Nec (6399)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Annuity + LTC / Long-Term Care Riders (FSAIAJAC), Commercial Auto & Fleet Insurance (FSAJAMAB)

Keywords

• Insurance products
• Motor vehicle insurance
• Health insurance
• Pension products
• Property insurance

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Core revenue from collecting insurance premiums across multiple product lines including auto, home, health, life, and liability insurance. Revenue is generated through recurring premium payments (subscription model) and one-time policy issuances.
2. Investment Products: Revenue from investment and savings products including AnsparKombi Safe+Smart, AnlageKombi Safe+Smart, and fund-based pension products. These generate returns through fund management and insurance wrappers.
3. Banking Services: Revenue from deposit guarantee products (MietkautionsBürgschaft) and related banking services offered through the cooperative banking network.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

R+V Versicherung is one of Germany's largest insurance providers, offering a comprehensive portfolio of insurance and financial products through the cooperative banking network (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken). The portfolio spans vehicle insurance (auto, motorcycle, moped, e-bike, e-scooter, motorhome), home and contents insurance, personal and construction liability, legal protection, pet insurance, statutory and private health insurance, supplementary health and dental coverage, accident and occupational disability insurance, long-term care insurance, life and burial insurance, and a pension and savings portfolio (private, Rürup, fund-linked, index-linked, company pension, and the announced Frühstart-Rente). The company also offers investment products (AnsparKombi Safe+Smart, AnlageKombi Safe+Smart) and rental deposit guarantees (MietkautionsBürgschaft), with distribution through 5,000 personal advisors, the cooperative banking network, and digital self-service channels.

Product overview

R+V Versicherung is one of Germany's largest insurance providers, offering a comprehensive portfolio of insurance and financial products through the cooperative banking network (Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken). The product portfolio spans vehicle insurance (auto, motorcycle, moped, e-bike, e-scooter, motorhome), home insurance (household contents, building, liability), health insurance (statutory, private, supplementary dental, hospital daily allowance, travel health), accident insurance (including children's accident coverage), occupational disability insurance, nursing care insurance, and retirement savings products (private pensions, Rürup/Rent pension, company pensions including social partner models for the chemical sector). Key digital offerings include the R+V Gesundheit App for claims submission, DiGA (digital health applications) coverage, the digital PflegeBerater for care guidance, and TeleClinic telemedicine services. The company also offers investment products like AnsparKombi Safe+Smart and AnlageKombi Safe+Smart, plus deposit guarantees (MietkautionsBürgschaft). Recently announced products include the Frühstart-Rente (planned for 2026) for children's pension savings with state bonuses.

Differentiator

Problem solved

Functional benefit

Brands

• R+V Infocenter: Public information center providing safety recommendations and advisory content
• Rhine River Rhinos
• R+V Stiftung
• Ehrensache

Products and services

• Autoversicherung Comprehensive vehicle insurance covering liability, partial, and full coverage for automobiles, with rates starting from €33 per year. It is for private vehicle owners seeking required and optional motor coverage.
• Motorradversicherung Motorcycle insurance with liability coverage starting from €20 per year, offering top benefits and flexible rates. It is for private motorcycle owners in Germany.
• Moped- und Roller Versicherung Insurance coverage for mopeds, scooters, and similar two-wheel vehicles, with rates starting from €52.80 for contracts until February 2027. It is for owners of mopeds, scooters, and small motorcycles.
• E-Auto Versicherung Specialized insurance product for electric vehicles with coverage tailored to e-mobility needs. It is for private owners of electric cars.
• E-Bike Versicherung Insurance coverage for electric bicycles and pedelecs. It is for private owners of e-bikes and pedelecs.
• Wohnmobilversicherung Insurance coverage for motorhomes and recreational vehicles. It is for private owners of motorhomes and RVs.
• Hausratversicherung Home contents insurance protecting household belongings against theft, damage, and other risks. It is for private households and tenants or owners of residential property.
• Wohngebäudeversicherung Building insurance covering damage to residential properties including structural elements. It is for owners of residential property.
• Private Haftpflichtversicherung Personal liability insurance protecting against claims for damages caused to third parties. It is for private individuals and families.
• Bauherrenhaftpflicht Liability insurance specifically designed for homeowners undertaking construction projects. It is for private homeowners managing construction or renovation projects.
• Photovoltaikversicherung Insurance coverage for photovoltaic systems and solar energy installations. It is for owners of residential or commercial solar installations.
• Rechtsschutzversicherung Legal expenses insurance covering legal costs across private, traffic, professional, and real estate domains. It is for private individuals seeking legal cost protection.
• Hunde OP Versicherung Surgical insurance for dogs covering veterinary surgery costs. It is for private dog owners.
• Hundehaftpflichtversicherung Liability insurance for dog owners covering damages caused by their pets. It is for private dog owners.
• Pferde OP Versicherung Surgical insurance for horses covering veterinary surgery costs. It is for private horse owners.
• Pferdehaftpflichtversicherung Liability insurance for horse owners covering damages caused by their horses. It is for private horse owners.
• Gesetzliche Krankenversicherung Statutory health insurance products and coverage options. It is for individuals eligible for statutory health insurance in Germany.
• Private Krankenversicherung Private health insurance offering comprehensive medical coverage with customizable plans. It is for private individuals, including civil servants and self-employed persons, seeking private medical coverage.
• Auslandsreisekrankenversicherung International travel health insurance starting from €10.80 per year, covering medical expenses abroad. It is for private travelers seeking medical coverage outside Germany.
• Zahnzusatzversicherung Supplementary dental insurance covering dental treatments, implants, and orthodontics. It is for privately insured individuals seeking additional dental coverage beyond statutory insurance.
• Unfallversicherung Accident insurance providing financial protection against accident-related injuries and disabilities. It is for private individuals and families seeking accident coverage.
• Kinderunfallversicherung Accident insurance specifically designed for children covering accident-related scenarios. It is for parents seeking accident coverage for their children.
• Berufsunfähigkeitsversicherung Occupational disability insurance protecting income when unable to work due to illness or injury, rated 'Very Good' by Stiftung Warentest Finanztest. It is for employed and self-employed individuals.
• Dienstunfähigkeitsversicherung Service disability insurance specifically for civil servants covering occupational incapacity. It is for civil servants (Beamte) seeking occupational disability coverage.
• Grundfähigkeitsversicherung Basic abilities insurance covering loss of fundamental physical or mental capabilities. It is for individuals seeking protection against loss of basic abilities.
• Pflegeversicherungen Long-term care insurance products including mandatory private nursing care insurance and supplementary coverage. It is for private individuals seeking long-term care protection.
• AnsparKombi Safe+Smart Savings and investment insurance product with state bonus, offering flexible monthly savings starting from €25 per month for children, with a €120 future bonus during the April 2026–March 2027 promotion. It is for parents and grandparents saving for children.
• AnlageKombi Safe+Smart Investment insurance product combining savings and investment features. It is for private individuals seeking investment-linked insurance products.
• PrivatRente IndexInvest Index-linked private pension insurance allowing participation in market index performance. It is for private individuals seeking index-linked retirement savings.
• Fondsgebundene Rentenversicherung Fund-linked pension insurance investing in securities funds for retirement savings. It is for private individuals seeking fund-linked retirement savings.
• SofortRente Immediate annuity product providing regular pension payments starting immediately. It is for individuals seeking immediate pension income.
• BasisRente Safe+Smart Rürup pension (basic pension) product with tax advantages for self-employed and employees. It is for self-employed and employed individuals seeking tax-advantaged retirement savings.
• Fondsgebundene Rürup-Rente Fund-linked Rürup pension combining tax benefits with investment growth potential. It is for self-employed and employed individuals seeking tax-advantaged fund-linked retirement savings.
• Frühstart-Rente Early start pension for children with state bonus support, announced for 2026 launch. It is for parents and guardians seeking government-supported retirement savings for children.
• Betriebliche Altersvorsorge (bAV) Company pension schemes including direct insurance through salary conversion (Entgeltumwandlung) and social partner models for various sectors, including the first industry-wide social partner model for the chemical sector in 2022. It is for employers and social partners seeking occupational pension solutions.
• Risikolebensversicherung Term life insurance providing financial protection for family and dependents in the event of death. It is for private individuals seeking life cover for family protection.
• Sterbegeldversicherung Burial expense insurance covering funeral costs and related expenses. It is for private individuals seeking funeral cost coverage.
• MietkautionsBürgschaft Rental deposit guarantee replacing cash deposits, available from €2.08 per month, with special rates for young adults under 26. It is for tenants and landlords seeking deposit guarantees.
• KinderRundumschutz Comprehensive protection package for children combining multiple insurance coverages (accident, liability, and related). It is for parents seeking bundled insurance coverage for their children.
• Elektronikversicherungen Electronics insurance covering laptops, hardware, and gaming equipment against damage and theft. It is for private individuals and professionals seeking electronics coverage.
• Bankschließfachversicherung Safe deposit box insurance protecting valuables stored in bank safes. It is for private individuals renting safe deposit boxes.
• R+V Gesundheit App Mobile app for paperless submission of medical receipts and documents for health insurance claims. It is for R+V health insurance customers submitting medical receipts.
• Digitale Gesundheitsanwendungen (DiGA) Coverage and support for Digitale Gesundheitsanwendungen (DiGA) – certified digital health applications prescribed by doctors. It is for R+V health insurance customers prescribed certified health apps.
• Mein digitaler PflegeBerater Digital nursing care advisor providing step-by-step guidance for organizing individual care situations. It is for family caregivers and individuals planning long-term care.
• TeleClinic Telemedicine partnership enabling doctor consultations, prescriptions, and sick notes via app. It is for R+V insured customers seeking remote medical consultations.

Quantifiable outcome

• 95% of respondents believe storm damage can affect any home in Germany (R+V Unwetterstudie 2026, 1,000 respondents)
• +2 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 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.

• Genossenschaftliche FinanzGruppe der Volksbanken RaiffeisenbankencoreChannel Partner/ Reseller/ DistributorR+V is the insurance expert within the Genossenschaftliche FinanzGruppe (Cooperative Financial Group) of Volksbanken Raiffeisenbanken. This partnership provides R+V access to the extensive network of cooperative banks across Germany for distribution of insurance products. R+V has been part of this group since 1922, serving as the insurance specialist for the cooperative banking network.
• DLRG (Deutsche Lebens-Rettungs-Gesellschaft)minorOthersPartnership between R+V and DLRG to support voluntary service and social engagement. The collaboration focuses on promoting community involvement and supporting the DLRG's life-saving mission through joint initiatives.
• Tafel DeutschlandminorOthersR+V supports Tafel Deutschland, one of the largest voluntary movements for civic engagement in Germany with approximately 60,000 volunteers focused on rescuing food and helping people.
• Viva con AguaminorOthersR+V supports Viva con Agua, an organization working for worldwide access to clean drinking water. The partnership combines R+V's community values with Viva con Agua's mission for water accessibility.
• Rhine River RhinosminorOthersR+V is the main sponsor (Hauptsponsor) of the inclusive basketball team Rhine River Rhinos in Wiesbaden, supporting diversity and inclusion in sports.
• TeleCliniccoreTechnology or IntegrationTeleClinic partnership enables R+V insured customers to have doctor consultations, prescriptions, and sick notes via a convenient app. The service allows customers to handle medical appointments from home or on the go, providing added convenience and accessibility for health insurance customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• ERGO Group (Munich Re): Primary direct multi-line insurance arm of Munich Re in Germany and Europe, offering comparable P&C, life, and health products to retail and corporate customers via tied agents and digital channels.
• HUK-Coburg: German mutual/cooperative-style insurer with strong direct and tied-agent distribution, broad multi-line portfolio (auto, home, liability, life, health). Closely comparable in mutual ownership structure, product breadth, and emphasis on direct customer relationships in Germany.
• LVM Versicherung: Mutual insurer closely tied to German agriculture and the rural cooperative movement, offering multi-line personal and commercial insurance. Comparable in cooperative mutual structure, regional German focus, and tied-advisor distribution model.
• Debeka Krankenversicherung: Germany's largest private health insurer operating on a mutual basis, with strong direct salesforce and broad life/health portfolio. Comparable as a mutual-style German insurer focused on health and life lines.
• VHV Versicherung: German mutual insurer specializing in liability, auto, and construction insurance for private and commercial customers, with strong regional and direct agent distribution. Comparable in mutual ownership and P&C orientation.
• Versicherungskammer Bayern (VKB): Public-sector mutual insurance group based in Bavaria offering multi-line P&C, life, and health insurance to retail and corporate customers. Comparable as a German mutual-style insurer with tied-agent distribution and regional depth.

Broad incumbents

• Generali Deutschland: German arm of Generali Group offering life and P&C insurance. Comparable as a multi-line German insurer with tied-agent distribution and pension/health products.
• Allianz SE: Germany's largest insurer and a global financial services group with P&C, life/health, and asset management. Directly comparable as a multi-line insurer serving German private and corporate customers, though significantly larger and globally diversified.
• Talanx / HDI: Listed German insurance group (HDI, Hannover Re) with strong P&C, life, and reinsurance operations, serving retail and corporate customers across Germany. Comparable in multi-line offering and corporate pension focus.
• AXA Konzern AG: German subsidiary of AXA Group, offering P&C, life, and health insurance to retail and corporate customers. Comparable in multi-line offering, broker and direct distribution, and emphasis on German occupational disability and health products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/c/ruv
• Facebookfacebook.com/ruv.de
• LinkedInlinkedin.com/company/r-v-versicherung
• Instagraminstagram.com/ruv_de
• TikToktiktok.com/@ruv_de
• Pinterestpinterest.de/ruv_de
• Xx.com/ruv_de

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about R+V Versicherung