TIROLER VERSICHERUNG V.a.G.

What TIROLER VERSICHERUNG V.a.G. does

TIROLER VERSICHERUNG V.a.G. is an Austrian mutual insurance association (Versicherungsverein auf Gegenseitigkeit) headquartered in Innsbruck, Tyrol. It provides a broad multi-line insurance portfolio to private individuals, businesses, farmers, municipalities, young adults, and event organizers exclusively within the Tyrol region. As a V.a.G., the company is owned by its policyholders rather than external shareholders, and offers property and household insurance, motor vehicle coverage (liability, comprehensive, legal protection, assistance), accident insurance across multiple life-stage variants, life and pension products, health insurance, commercial property (including a niche Bergbahn / cable-car product), agricultural coverage, and municipal insurance.

The company's distribution is hybrid: complex products are sold through a regional network of local insurance advisors supported by physical customer offices throughout Tyrol, while simpler products — moped/125cc KFZ-Haftpflicht, student household, individual accident, and event organizer liability — are available for direct online purchase. A digital customer portal (Meine TIROLER) supports policy management and online claims submission. Marketing combines the corporate website, email/newsletter, regional sports and cultural sponsorship, and an Extremwetterfest.tirol prevention campaign tied to climate exposure in the alpine market.

Revenue is generated through insurance premiums collected on a recurring annual basis via quote-based, individually underwritten pricing rather than publicly disclosed rate cards. No revenue figures, headcount, or financial KPIs are publicly disclosed, and the company has no disclosed funding rounds, M&A activity, or expansion outside Tyrol. The company has received the Top-Arbeitgeber (Top Employer) seal for ten consecutive years, and the website is actively maintained, indicating ongoing operations.

Name

TIROLER VERSICHERUNG V.a.G.

Legal name

TIROLER VERSICHERUNG V.a.G.

Website

https://tiroler.at

Company type

Private

Operating status

Operating

Short description

Tiroler Versicherung is an Austrian mutual insurance association (V.a.G.) headquartered in Innsbruck, providing multi-line property, motor, liability, accident, life, health, and specialty insurance to private individuals, businesses, farmers, municipalities, and event organizers within the Tyrol region.

Ownership category

akta.pro rank

Headquarters

HQ city

Innsbruck

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. Insurance Premiums: Core revenue from collecting insurance premiums across property, casualty, life, health, and accident insurance products. Premiums are collected on subscription/recurring basis with annual or periodic payment options.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

TIROLER Versicherung V.a.G. is a Tyrolean mutual insurance association that underwrites and sells a broad portfolio of insurance products — household, homeowner, motor vehicle, legal protection, accident, life and provision, health, commercial, agricultural, and municipal coverage — to private individuals, businesses, farmers, local governments, young adults, and event organizers. Distribution combines digital self-service channels for simple lines with a regional advisor network and customer offices across Tyrol, supported by a member benefits and prevention program.

Product overview

TIROLER VERSICHERUNG V.a.G. is an Austrian insurance provider offering a comprehensive portfolio of insurance products and services across multiple segments. The product portfolio spans: (1) Private individuals insurance including house and household (Haushaltsversicherung, Eigenheimversicherung mit Hoppala-Plus, Rohbau- & Bauwesenversicherung, Wohn-Assistance, IT-Assistance, Naturgefahren-Versicherung), vehicle coverage (KFZ-Haftpflicht, KFZ-Kasko, KFZ-Rechtsschutz, Insassen-Unfall-Versicherung, KFZ-Assistance, Fahrsicherheitstraining, KFZ-Zulassung), legal protection (Allgemeiner Rechtsschutz, Verkehrs-/Schadenersatz-/Straf-Rechtsschutz), accident insurance (Einzel-/Partner-/Familien-/Alleinerzieher-/Senioren-/Kollektiv-Unfallversicherung, Unfall-Assistance), life and provision products (Kindervorsorge, Berufsunfähigkeitsvorsorge, Bestattungsvorsorge, Ablebensversicherung, Rentenversicherung, Zusatzversicherungen), and health insurance; (2) Business insurance covering commercial property (TIROLER Gewerbeversicherung, Bergbahnversicherung), legal protection (Firmen-Rechtsschutz, Rechtsschutz für Unternehmer ohne Mitarbeiter, Verkehrs-Rechtsschutz für Firmen); (3) Agricultural insurance (Landwirtschaftsversicherung, Landwirtschafts-Rechtsschutz); (4) Municipality insurance (Gemeindeversicherung, Gemeinde-Rechtsschutz, Kollektiv-Unfallversicherung); and (5) Special offerings including event organizer liability, promotional bonuses (Freischadenbonus, Gründerbonus, Häuslbauerbonus, Motorrad-Aktivtraining). The company operates primarily in the Austrian state of Tyrol and provides digital services through its customer portal.

Differentiator

Problem solved

Functional benefit

Products and services

• Haushaltsversicherung Household insurance providing coverage for personal belongings and household items against theft, damage, and other specified risks for private individuals and farmers.
• Eigenheimversicherung mit Hoppala-Plus Home insurance product featuring Hoppala-Plus coverage, protecting homeowners against structural damage and related risks.
• Rohbau- & Bauwesenversicherung Construction-phase insurance covering buildings under construction against damage and accidents.
• Wohn-Assistance Living assistance service providing support and coverage for housing-related emergencies and issues.
• IT-Assistance IT assistance coverage providing protection and support for technology-related incidents and digital risks.
• Naturgefahren-Versicherung Natural hazard insurance covering damage caused by natural disasters such as floods, storms, hail, and earthquakes.
• KFZ-Haftpflicht Mandatory motor liability insurance for vehicles, with optional online purchase for mopeds and 125cc motorcycles.
• KFZ-Kasko Motor comprehensive insurance providing extensive coverage for vehicle damage beyond basic liability.
• KFZ-Rechtsschutz Motor legal protection insurance covering legal costs associated with traffic-related disputes and litigation.
• Insassen-Unfall-Versicherung Passenger accident insurance providing coverage for injuries sustained by vehicle occupants.
• KFZ-Assistance Motor assistance service offering roadside support, towing, and emergency services for vehicle breakdowns.
• Fahrsicherheitstraining Driving safety training program helping vehicle owners improve their driving skills and road safety awareness.
• KFZ-Zulassung Vehicle registration service assisting customers with the administrative process of registering vehicles.
• Allgemeiner Rechtsschutz für Arbeitnehmer General legal protection insurance designed specifically for employees, covering workplace-related legal disputes.
• Verkehrs-, Schadenersatz- und Straf-Rechtsschutz für den Privatbereich Combined traffic, damage compensation, and criminal legal protection insurance for private individuals.
• Einzel-Unfallversicherung Individual accident insurance providing personal coverage for accidental injuries and their consequences, available for online purchase.
• Partner-Unfallversicherung Partner accident insurance offering coverage for two individuals, typically couples, against accidental injuries.
• Familien-Unfallversicherung Family accident insurance providing comprehensive coverage for all family members under a single policy.
• Alleinerzieher-Unfallversicherung Single parent accident insurance specifically designed for single parents and their unique coverage needs.
• Senioren-Unfallversicherung Senior accident insurance tailored for elderly individuals, addressing age-specific accident risks and coverage requirements.
• Kollektiv-Unfallversicherung Collective accident insurance designed for groups, organizations, and companies to cover multiple members.
• Unfall-Assistance Accident assistance service providing emergency support, guidance, and resources following accidental injuries.
• Die TIROLER Kindervorsorge TIROLER children's provision insurance and savings plan designed to secure the financial future of children.
• Die TIROLER Berufsunfähigkeitsvorsorge TIROLER occupational disability provision insurance protecting individuals against loss of income due to occupational disability.
• Die TIROLER Bestattungsvorsorge TIROLER funeral provision insurance covering funeral expenses and ensuring dignified end-of-life arrangements.
• Die TIROLER Ablebensversicherung TIROLER death insurance providing financial protection for beneficiaries upon the policyholder's death.
• Die TIROLER Rentenversicherung TIROLER pension insurance offering retirement savings and income protection for the future.
• Die TIROLER Zusatzversicherungen TIROLER supplementary insurance products providing additional coverage options to complement existing policies.
• Krankenversicherung Health insurance providing coverage for medical expenses, healthcare services, and related costs.
• Die TIROLER Gewerbeversicherung TIROLER commercial property insurance providing comprehensive coverage for businesses and their assets.
• Bergbahnversicherung Mountain railway insurance specifically designed for ski lifts, cable cars, and alpine transportation businesses.
• Firmen-Rechtsschutz Corporate legal protection insurance covering businesses against legal costs and disputes.
• Schadenersatz- und Straf-Rechtsschutz für den Betriebsbereich Damage compensation and criminal legal protection insurance for business operations and workplace incidents.
• Rechtsschutz für Unternehmer ohne Mitarbeiter Legal protection insurance for solo entrepreneurs and freelancers without employees.
• Verkehrs-, Schadenersatz- und Straf-Rechtsschutz für Unternehmer ohne Mitarbeiter Combined traffic, damage compensation, and criminal legal protection for self-employed individuals without staff.
• Verkehrs-Rechtsschutz für Firmen Traffic legal protection insurance specifically designed for companies and their vehicle fleets.
• Landwirtschaftsversicherung Agricultural insurance providing comprehensive coverage for farms, livestock, equipment, and farming operations.
• Landwirtschafts-Rechtsschutz Agricultural legal protection insurance covering legal disputes specific to farming and agricultural operations.
• Verkehrs-Rechtsschutz für Landwirte Traffic legal protection insurance tailored for farmers and agricultural workers.
• Gemeindeversicherung Municipality insurance providing coverage for communal infrastructure, public facilities, and local government assets.
• Gemeinde-Rechtsschutz Municipal legal protection insurance covering legal costs for local government entities.
• TIROLER Veranstalter-Haftpflichtversicherung Event organizer liability insurance covering legal liability for damages during events and gatherings.

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Regional Partners (Tyrol)minorOthersLocal and regional partner network offering exclusive benefits to TIROLER members including discounts on leisure activities, event tickets, and services from businesses throughout Tyrol.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Regional players

• Helvetia Insurance Austria: The Austrian subsidiary of Swiss-based Helvetia Group, offering P&C and life insurance products across Austrian personal and commercial markets. Comparable as a multi-line European insurer operating in Austria with strong regional market positioning, though Swiss-owned and broader than Tyrol-only.

Broad incumbents

• Generali Versicherung AG: The Austrian arm of the Italian Generali Group, offering a full P&C, life, and health insurance suite across personal and commercial segments nationwide. Competes with TIROLER in Tyrol with broader geographic reach and larger capital base.
• Vienna Insurance Group (VIG): The leading multi-line insurer in Austria and Central/Eastern Europe offering comprehensive P&C, life, and health products across personal, SME, and corporate markets. Competes with TIROLER for Tyrolean private and business customers at greater national and CEE scale.
• UNIQA Insurance Group: One of the largest Austrian insurance groups offering P&C, life, and health products nationally across personal, commercial, and specialty segments through direct, broker, and bank-distribution channels. Overlaps with TIROLER across virtually every product line but operates at much greater national scale.
• Allianz Austria: The Austrian subsidiary of Allianz Group, providing comprehensive P&C, life, health, and accident cover through multi-channel distribution including direct, broker, and agent networks. Competes with TIROLER for personal and commercial customers across Tyrol with international scale advantages.

Direct peers

• Oberösterreichische Versicherung: A regional Austrian mutual-style insurer based in Upper Austria offering property, motor, legal protection, life, and accident cover to private and commercial customers. Comparable as another established Austrian multi-line regional insurer with overlapping product portfolio structure.
• Grazer Wechselseitige Versicherung: A mutual regional insurer (Versicherungsverein auf Gegenseitigkeit) headquartered in Graz, Styria, offering P&C, life, and health products across the Austrian private, business, and agricultural segments. Closely comparable in mutual structure, regional focus, and product breadth to TIROLER's Tyrolean operations.
• Kärntner Landesversicherung: A Carinthian regional mutual insurer offering property, motor, legal protection, and accident products to households, businesses, and farmers in Carinthia. Comparable as another small Austrian regional multi-line mutual insurance provider.
• Niederösterreichische Versicherung: A Lower Austrian regional insurer providing multi-line property, motor, and accident coverage to private and commercial customers. Comparable as an Austrian state-level insurance carrier with overlapping product and segment focus.
• Salzburger Versicherung: A regional Austrian insurer focused on Salzburg state providing P&C, legal protection, accident, and life products to private and commercial customers. Directly comparable as an Austrian regional competitor with similar multi-segment targeting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/tirolerversicherung
• LinkedInlinkedin.com/company/tirolerversicherung

Revenue estimate

Valuation estimate

Number of profiles

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 TIROLER VERSICHERUNG V.a.G.