GVV Direktversicherung AG review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

GVV Direktversicherung AG is a German insurer for people who want straightforward cover across auto, home, motorbike and landlord policies. It suits you if a low starting premium and a direct insurer relationship matter, since cover starts at €2.91 and you deal with the risk carrier.

Key facts

Best for
Entry level cover bought direct from an insurer rather than a broker.
Premium from
€2.91 (Source, checked September 26, 2026)
Insurance types
Auto, Home, Motorcycle, Landlord (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
No (Source, checked September 26, 2026)
Excess from
€150 (Source, checked September 26, 2026)
Claims channels
Phone, Online claim form (Source, checked September 26, 2026)
Legal entity
GVV Direktversicherung AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1989 (Source, checked September 26, 2026)
Support channels
Phone, Email (Source, checked September 26, 2026)
Official website
gvv-direkt.de

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Buying from the insurer itself means insurer is a risk carrier, not a broker.
  • Claims can be raised through phone and online claim form, so a phone line and an online claim form both work.
  • Auto, home, motorbike and landlord cover sit under a single provider, listed under auto, home and motorcycle.

Cons

  • Monthly payments are not offered, so the starting figure of €2.91 has to be settled in a single payment.
  • Support runs on phone and email only, with no chat line or help centre.
  • The excess starts at €150 on the private liability policy.
GVV Direktversicherung AG

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Scored 9.0 / 10 by AssureCue.

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Who it suits

  • Drivers, riders and householders in Germany who want a single insurer for several policies.
  • Landlords letting a property alongside their own home cover.
  • People who prefer buying from the insurer rather than a broker.

Who should look elsewhere

  • Households that want life, health, travel or pet cover alongside motor and property, since auto, home and renters runs wider than auto, home and motorcycle.
  • Buyers who want a live chat line or a self service help centre, because support runs on phone and email only.

How your money is protected

GVV Direktversicherung AG is an insurer rather than a broker, so the policy sits with the company that carries the risk and GVV Direktversicherung AG is named on the documentation. It is based in Germany and supervised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). Claims can be raised through phone and online claim form, and the company has traded since 1989.

How GVV Direktversicherung AG compares

Where GVV Direktversicherung AG is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (checked September 26, 2026)

Frequently asked questions

What does cover cost at the entry level?+

Private liability cover starts at €2.91, which sits below the site median of €8.37 and close to the €2.92 mark. The wider site range runs €0 to €3,431.08, and the cost score reads 4.9.

Can I pay monthly or spread the cost?+

Monthly payments are not offered, so the starting figure of €2.91 is settled in a single payment. Providers that spread cover cost across the year are more common on the site, with 88.9% of brands allowing monthly plans against 11.1% that do not.

Who regulates GVV Direktversicherung AG?+

It is a German insurer based in Germany and supervised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). The legal entity named on your documents is GVV Direktversicherung AG, and the company dates back to 1989, so the insurer is long established.

Which policies can I hold with them?+

The range covers auto, home, motorbike and landlord policies, listed under auto, home and motorcycle. Life, health, travel and pet lines are not part of that set, so a household wanting several lines may need cover from another provider.

How do I make a claim?+

Claims run through phone and online claim form, so you can report by phone or with the online claim form. General questions go to the same company on phone and email, which are phone and email, and no chat line or help centre is offered.

What is the excess on the liability policy?+

The excess starts at €150 on the private liability cover, which is the share of a claim you settle before the insurer pays. It is a small figure next to a typical indemnity limit, where the site median sits at €3,486,547.74.

How does the starting premium compare with the market?+

On starting premium, GVV Direktversicherung AG sits at 64 among 252 brands in this comparison. The site median is €8.37, with an upper quartile of €29.72, so most brands charge more at the starting end.

Who does this insurer suit?+

It suits people in Germany who want a single insurer for auto, home, motorbike and landlord cover and who can settle the premium in a single payment. Buying from an insurer, as insurer shows, keeps the provider relationship short, and the excess starts at €150.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

GVV Direktversicherung AG

GVV Direktversicherung AG

Entry level cover bought direct from an insurer rather than a broker.

9.0/10See alternatives

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