Updated September 29, 2026 · AssureCue Editorial Team
GVV Direktversicherung AG vs helden.de
GVV Direktversicherung AG
Higher score in this comparison
helden.de
What sets them apart
| Compare | GVV Direktversicherung AGReviewSee alternativesSee alternatives | helden.deReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €2.91Lower | €3.52 |
| Insurance types | Auto, Home, Motorcycle, Landlord | Home, Pet |
| Provider type | Insurer | Broker |
| Monthly payments | No | YesHas it |
| Claims channels | Phone, Online claim form | Online claim form, Email, Phone, AppCovers more |
| Cover limit | Not confirmed | Up to 50 million EUR sum insured (Privathaftpflicht) |
Same on both: Excess from (€150).
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Key differences
- GVV Direktversicherung AG scores higher overall: 9.0 vs 8.9.
- Founded is lower at GVV Direktversicherung AG: 1989 vs 2015.
- Premium from is lower at GVV Direktversicherung AG: €2.91 vs €3.52.
- Monthly payments: only helden.de.
- Insurance types: only GVV Direktversicherung AG offers Auto, Motorcycle, Landlord.
- Insurance types: only helden.de offers Pet.
- Claims channels: only helden.de offers Email, App.
- Support channels: only helden.de offers Help centre, Chat, Community.
Our verdict on each
GVV Direktversicherung AG
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.
helden.de
helden.de suits German households that want home and pet cover arranged through a single monthly account, with claims handled in the app. Premiums start at €3.52 against a home ranking median of €8.50, and the cost score of 4.8 puts it among the cheaper listings here.
Score breakdown
| Area | GVV Direktversicherung AG | helden.de |
|---|---|---|
| Cost | 8.7 | 9.0HigherEntry premium of €3.52 sits well below the home median €8.50, and monthly payments keep the monthly outlay small. |
| Offer | 8.7 | 9.4Higher |
| Trust | 9.5Higher | 8.6 |
Side by side, item by item
| Insurance types | GVV Direktversicherung AG | helden.de |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | No |
| Landlord | Yes | No |
Positions in our rankings
| Ranking | GVV Direktversicherung AG | helden.de |
|---|---|---|
| Home insurance | 156 of 273 | 203 of 273 |
Choosing between them
Pick GVV Direktversicherung AG if trust and premium from matter most.
Pick helden.de if cost, offer, monthly payments, and claims channels matter most.
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.91 for GVV Direktversicherung AG and €3.52 for helden.de.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | GVV Direktversicherung AG | helden.de |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | GVV Direktversicherung AG | helden.de GmbH |
| Headquarters | Germany | Germany |
| Founded | 1989Lower | 2015 |
| Support channels | Phone, Email | Email, Phone, Help centre, Chat, CommunityCovers more |
Where each stands against the rest
| Fact | GVV Direktversicherung AG | helden.de | Median |
|---|---|---|---|
| Premium from | €2.91below the median | €3.52below the median | €6.02 |
| Excess from | €150above the median | €150above the median | €50 |
Median across 116 listed insurance providers.
Pros and cons
GVV Direktversicherung AG
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.
helden.de
Pros
- Home and pet cover sit in the same account and monthly payments are offered, so a single monthly premium covers the household home and pet.
- Claims can be filed through an online claim form, email, phone or the app online claim form, email and phone.
- Personal liability cover carries a sum insured of Up to 50 million EUR sum insured (Privathaftpflicht) with an excess starting at €150.
Cons
- Cover runs to home and pet only home and pet, so travel, health or auto needs a different provider.
- helden.de works as a broker broker rather than carrying the risk itself.
- Monthly is the only payment model monthly, so there is no annual option and no saving for paying in one go.
Who each suits
GVV Direktversicherung AG
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.
helden.de
Who it suits
- Households already holding both home and pet cover home and pet.
- People who would rather report a claim in the app online claim form, email and phone than post a form.
- Buyers watching the monthly outlay, since the entry premium sits under the home ranking median of €8.50.
Who should look elsewhere
- Hiscox UK, whose range covers home, renters, landlord, auto and home emergency home, renters and landlord but not pet cover.
- Good Sam Insurance Agency, which adds life, health, travel and motorcycle to its home and pet lines auto, home and renters.
- Euroasia Insurance, priced on another market from UZS 60,000, so it is a second reading rather than a swap.
Current offers
GVV Direktversicherung AG
Current offer
helden.de
Current offer
Discount code
General Helden Code HELD5: 1/12 of the annual premium off permanently
Code entered in the price step during online checkout; applies to all helden.de products; maximum 2 Helden Codes per contract; discount lasts for the whole contract term
Source, checked September 26, 2026
Country by country
| Country | GVV Direktversicherung AG | helden.de |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
GVV Direktversicherung AG
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.
helden.de
What does cover cost to start?+
Premiums start at €3.52 for the entry product, well under the home ranking median of €8.50. Because monthly is the only payment model monthly, the outlay each month stays small instead of committing to a yearly sum.
Can home and pet sit in one account?+
The range runs to home and pet home and pet, and monthly payments are offered, so both can be held in one place. That suits households who would rather pay a single monthly bill than hold separate arrangements with separate providers.
Other options to compare
Related by the facts
GVV Direktversicherung AG
helden.de