What Oberösterreichische Versicherung AG does

Oberösterreichische Versicherung AG is a property and casualty insurance company headquartered in Linz, Austria, founded in 1811. It is described as the leading P&C insurer in Upper Austria and one of the largest of Austria's regional state insurers (Landesversicherer). The company serves private customers (home, vehicle, accident, legal protection, pension/provident, risk insurance), business customers across industries, municipalities, agricultural operations, and church/social/housing/public-sector organizations. It distributes through a network of local insurance advisors, physical customer service centers, the digital Click customer portal, a dedicated broker portal (makler.versich.at), and a set of online-purchasable niche products including ImFest event liability, Dauercamper, InTakt musical instruments, and laptop/tablet insurance.

The company's technology stack centers on the proprietary Click customer portal for policy management, claims reporting, and advisor contact, supported by a website with quote-and-bind functionality for online products. It operates self-hosted BigBlueButton for customer video meetings, Matomo for in-house web analytics, Unzer for payment processing, mailworx for email marketing, and Google Maps for branch location. The company holds ISO 27001:2022 information security certification. Underlying insurance products are structured as modular building blocks (e.g., InFahrt vehicle, ImRecht legal, Keine Sorgen Schutzengel assistance) with sub-brands covering multiple lines and customer types.

Revenue is generated primarily through recurring insurance premiums across P&C and provident lines, with annual, monthly, or per-event billing depending on product. Pricing is quote-based for most products, with disclosed entry points as low as EUR 30 per event (ImFest), EUR 80/year for moped insurance, and EUR 193.50/year for Dauercamper; coverage tiers reach up to EUR 30 million liability and EUR 200,000 legal protection. Ownership is 90.04% by Oberösterreichische Wechselseitige Versicherung Vermögensverwaltung (a Versicherungsverein auf Gegenseitigkeit / mutual insurance association) and 9.96% by Raiffeisenlandesbank Oberösterreich, giving the company a mutual-style governance structure oriented toward long-term policyholder stability rather than external shareholder returns.

Name

Oberösterreichische Versicherung AG

Legal name

Oberösterreichische Versicherung AG

Website

https://versich.at

Company type

Private

Founded year

1811

Operating status

Operating

Headcount range

101–250 employees

Short description

Oberösterreichische Versicherung AG is a 200+ year-old Austrian property and casualty insurer headquartered in Linz, serving private, business, municipal, and agricultural customers across Austria with multi-line coverage via advisory, broker, and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Linz

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property and Casualty Insurance Premiums: Core revenue from insurance premiums across multiple product lines including vehicle (Kfz), home (Wohnen), accident (Unfall), legal protection (Recht und Haftpflicht), provision (Vorsorge), and risk insurance. Premiums are collected on annual, monthly, or per-event basis depending on product type.

Pricing tiers

Go-to-market motion3 records

Distribution channels7 records

Marketing channels8 records

Core offering

Oberösterreichische Versicherung AG is a multi-line property and casualty insurer offering home, vehicle, accident, legal protection and liability, life provision, and risk insurance to private customers in Upper Austria, alongside specialized commercial coverage for businesses, municipalities, agriculture, churches, and public-sector institutions. The company combines a field-advisor and broker distribution model with direct-to-consumer digital products such as event liability (ImFest), permanent camper (Dauercamper), musical instrument (InTakt), and laptop/tablet insurance.

Product overview

Oberösterreichische Versicherung AG operates as a multi-product insurance provider offering both core insurance products and online-purchasable solutions. The core product portfolio includes home (Wohnen), mobility (Mobilität), accident (Unfall), legal and liability (Recht und Haftpflicht), provident (Vorsorge), and risk (Risiko) insurance for private customers, alongside specialized offerings for businesses, municipalities, agriculture, and public institutions. The company provides online products including ImFest event liability, Dauercamper permanent camper, InTakt musical instrument, and laptop/tablet insurance. Key brand names include InFahrt for vehicle insurance, ImRecht for legal protection, and Keine Sorgen Schutzengel for assistance services. Customer engagement tools include the Click portal and Versichert.Check review service. The product architecture combines traditional advisory sales with digital online purchase options.

Differentiator

Problem solved

Functional benefit

Brands

• InFahrt: Kfz-Versicherung product line for cars, mopeds, and motorcycles
• ImFest
• InTakt
• DaHeim
• ZuHaus
• fery
• ImRecht
• Keine Sorgen Schutzengel
• ZumGlueck

Products and services

• Wohnen (Home Insurance)
• Mobilität (Mobility Insurance)
• Unfall (Accident Insurance)
• Recht und Haftpflicht (Legal and Liability Insurance)
• Vorsorge (Provident Insurance)
• Risiko (Risk Insurance)
• InFahrt Kfz-Versicherung (Car Insurance)
• InFahrt Moped- und Motorrad-Versicherung
• ImRecht Rechtsschutzversicherung
• ImFest Veranstalterhaftpflichtversicherung
• Dauercamper- und Tiny House-Versicherung
• Musikinstrumenteversicherung InTakt
• Laptop- & Tabletversicherung
• Keine Sorgen Schutzengel (Accident Assistance Service)
• Unternehmen (Business Insurance)
• Gemeinden (Municipality Insurance)
• Landwirtschaft (Agricultural Insurance)
• Kirche, Soziales, Wohnbau und Öffentliches

Quantifiable outcome

• Moped insurance starting at EUR 80/year including legal protection
• +4 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Kepler Fonds AGcoreTechnology or IntegrationInvestment fund partner for the company's pension and life insurance products. Provides fund management for Zukunftsvorsorge (future provision), Fonds4Life, and fund-linked life insurance products. Multiple fund options including KEPLER Mix Solide, KEPLER Mix Ausgewogen, KEPLER Mix Dynamisch, KEPLER Trend Select Aktienfonds, and ethical funds (KEPLER Ethik Mix).
• Schon GenialminorGTM or Marketing PartnerMarketing partner for additional product offerings and customer acquisition.
• EPZ - Elementarschaden PräventionszentrumminorStrategic or Co-development PartnerPartnership for building protection and natural disaster prevention information, providing valuable content for customer education and risk prevention.
• UnzercoreTechnology or IntegrationPayment service provider for online insurance products, enabling secure payment processing via credit card and EPS immediate transfer.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Grazer Wechselseitige Versicherung (GRAWE): Austrian mutual insurance group headquartered in Graz, operating as a direct regional peer with similar mutual ownership structure, multi-line P&C and life insurance products, and comparable geographic focus (Styria). One of the largest mutual insurers in Austria.
• Niederösterreichische Versicherung (NV): Austrian regional mutual insurer focused on Lower Austria with similar product portfolio (home, vehicle, life, business) and mutual ownership structure. Direct state-insurer peer to Oberösterreichische.
• Kärntner Landesversicherung: Austrian regional insurer operating in Carinthia with similar state-insurer positioning, multi-line P&C products, and local advisor distribution model. Comparable regional focus and product breadth.
• Wiener Städtische Versicherung (Vienna Insurance Group): One of Austria's largest insurance groups offering P&C, life, and health products with multi-channel distribution. Direct competitor in the Austrian market with overlapping product lines and broader geographic footprint.
• Tiroler Versicherung: Austrian state insurer with mutual ownership structure (Versicherungsverein auf Gegenseitigkeit), focused on Tyrol. Closely comparable in regional focus, mutual structure, and product mix to Oberösterreichische Versicherung.
• VAV Versicherungs-AG: Austrian mid-sized insurer offering P&C products with focus on home, vehicle, and family coverage. Comparable scale and product mix to Oberösterreichische with similar advisor-led distribution.

Broad incumbents

• UNIQA Insurance Group: One of Austria's largest publicly listed insurance groups offering P&C, life, and health insurance across CEE. Competes across all product lines and customer segments in Austria but at much broader scale.
• Helvetia Insurance Austria: Swiss insurance group's Austrian operations providing P&C and life products. Mid-sized competitor with multi-channel distribution comparable to Oberösterreichische's regional positioning.
• Allianz Austria: Major international insurance group's Austrian subsidiary offering full-scope P&C and life products with strong brand recognition. Broad incumbent competing in same product categories as Oberösterreichische.
• Generali Versicherung AG (Austria): Austrian subsidiary of Generali Group offering comprehensive P&C, life, and investment products. Wide-portfolio incumbent with overlapping distribution channels and product coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/OberoosterreichischeVersicherung
• YouTubeyoutube.com/channel/UCxI0NqLzH4oCw
• Xx.com/ooev
• Instagraminstagram.com/ooev_at
• LinkedInlinkedin.com/company/oberoesterreichische-versicherung

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Oberösterreichische Versicherung AG