Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

GVV Direktversicherung AG review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

GVV Direktversicherung AG is a German direct insurer that suits households wanting personal insurance cover paid as a single yearly premium. Premiums start at €2.91, monthly payments are not offered, and the policies cover auto, home and motorcycle, with phone and email support in Germany.

Key facts

Best for
Households in Germany wanting personal insurance cover priced from a low starting premium, paid yearly.
Premium from
€2.91↗
Insurance types
Auto, Home, Motorcycle, Landlord↗
Provider type
Insurer↗
Monthly payments
No↗
Excess from
€150↗
Claims channels
Phone, Online claim form↗
Legal entity
GVV Direktversicherung AG↗
Headquarters
Germany↗
Founded
1989↗
Support channels
Phone, Email↗
Official website
gvv-direkt.de

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedInfacebook.cominstagram.com

Pros and cons

Pros

  • Premiums start at €2.91 and come straight from an insurer rather than a broker
  • Monthly payments are not offered, so the premium is paid as a single yearly sum
  • Cover spans auto, home and motorcycle under the legal entity GVV Direktversicherung AG, trading since 1989
  • Claims come in through phone and online claim form, and help runs on phone and email

Cons

  • Life and health cover are not among its insurance types (auto, home and motorcycle), so those needs go elsewhere
  • The excess starts at €150 on the private liability cover, so part of a claim can fall to you
  • Support runs on phone and email only, with phone and email the listed routes in Germany
GVV Direktversicherung AG

Ready to try GVV Direktversicherung AG?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • People in Germany insuring a car, home, motorcycle or rental property under a single yearly premium
  • Households that would rather set aside a yearly premium than hand over a monthly instalment
  • Anyone comfortable dealing with an insurer directly instead of through a broker or comparison site

Who should look elsewhere

  • Linxea customers, who want a savings account building a pot rather than personal insurance cover
  • bunq or bunq Spain customers, who need a current account for everyday money instead of cover
  • Anyone wanting the premium spread across the year, since monthly payments are not offered here

Deposit protection

GVV Direktversicherung AG is a insurer, so the cover is written by the company named on the policy rather than placed through a broker. It has traded since 1989 from DE, under the oversight of the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). Support runs on phone and email.

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 is the starting premium at GVV Direktversicherung AG?+

Premiums start at €2.91 on the private liability policy, which is the entry point for cover here. It is not a typical price across the range. The insurance types sold are auto, home and motorcycle, and quotes for those other policies will sit at a different level.

Can I pay the premium monthly?+

Monthly payments are not offered, so the premium is settled as a yearly sum. The insurer is set up for annual billing rather than instalments, and support on phone and email can explain the payment dates attached to a policy. Anyone who needs the cost spread across the year should plan for a single payment.

Is GVV Direktversicherung AG an insurer or a broker?+

It is a insurer, which means the policies are underwritten by the company itself instead of being arranged through a middleman. The legal entity is GVV Direktversicherung AG, based in Germany and trading since 1989. You deal with the same company for the whole policy.

Which kinds of insurance can I buy?+

The range covers auto, home and motorcycle. Life, health and travel cover are not among those types, so anyone needing them would look at another provider. The excess starts at €150 on the private liability policy, which is the main product behind the starting premium.

How do I make a claim?+

Claims can be lodged through phone and online claim form, covering a phone line and an online claim form. General enquiries go through phone and email instead, which is phone and email. Keeping those routes in mind speeds up the opening step after an incident, based on what suits you at the time.

Which regulator oversees this insurer?+

The listed regulator is the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) in Germany, where the company is based. GVV Direktversicherung AG is a insurer operating under that oversight, and the policy terms set out what a claim has to meet.

Is there a deductible on the liability cover?+

Yes. The excess starts at €150 on the private liability policy, so the opening part of a claim sits with you before the insurer pays the rest. The same product carries the starting premium of €2.91, which is the figure most customers see.

Who should look at another provider?+

Anyone wanting life or health cover, since those are not among auto, home and motorcycle. Monthly payments are also unavailable here, which rules the insurer out for spreading annual costs. Linxea suits savers rather than policyholders, and bunq or bunq Spain cover everyday banking instead.

Sources

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

GVV Direktversicherung AG

GVV Direktversicherung AG

Households in Germany wanting personal insurance cover priced from a low starting premium, paid yearly.

9.0/10See alternatives