Hannoversche review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Hannoversche suits German households that want life, car, home and income protection under a single insurer, with term life premiums from €7.91 a month and monthly payments available. It scores 5.5 overall, so the appeal is the breadth of cover and a long trading record rather than the lowest headline price.
Key facts
- Best for
- Households that want life, car, home and income protection written by a long established insurer in Germany.
- Premium from
- €7.91↗
- Insurance types
- Auto, Home, Life, Income-protection↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Cover limit
- EUR 850,000 sum insured (term life insurance, online conclusion with simplified health check)↗
- Claims channels
- Phone, Email, Online-service-centre↗
- Age range
- Cover can run for 5 to 45 years, maximum to age 75↗
- Legal entity
- Hannoversche Lebensversicherung AG↗
- Headquarters
- Germany↗
- Founded
- 1875↗
- Support channels
- Phone, Email, Chat, Help-centre↗
- Pricing model
- Monthly
- Official website
- hannoversche.de
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- WikidataLinkedInfacebook.com
Pros and cons
Pros
- Life cover runs for Cover can run for 5 to 45 years, maximum to age 75, so the term can match a mortgage or dependant years.
- Term life premiums start at €7.91 a month, and monthly payments are available on this cover.
- The provider is an insurer that has traded since 1875 in Germany.
- Claims can be raised on phone, email and online service centre, and day to day help runs on phone, email and chat.
Cons
- A German market only: DE, so the cover is written for residents there.
- Help runs on phone, email and chat only, so advice comes by phone, email, chat or the help centre.
- The term life sum insured offered online with a simplified health check sets the ceiling on that route.
Who it suits
- Adults in DE who want term life to cover a mortgage or the years dependants rely on them.
- Households who would rather hold car, home, life and income protection with a single provider.
- People who prefer monthly payments for their life cover and are comfortable applying online with a simplified health check.
Who should look elsewhere
- Anyone outside DE who needs cover in another market, since bunq Spain is the listed euro alternative for them.
- Shoppers who want a broker to weigh up providers first, as Hannoversche is an insurer that sells its own cover.
- Buyers who need a sum insured beyond the term life route offered online with a simplified health check, and who want to weigh Linxea at €25 instead.
Deposit protection
Hannoversche is an insurer, not a bank, so the premium on a policy sits with the company that carries the risk rather than on a deposit account. It is supervised in DE by the Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin), recorded under licence 1312. What backs the cover is the insurer's own balance sheet.
The company behind it
The provider is Hannoversche Lebensversicherung AG, an insurer operating from DE and trading since 1875. The same licence, 1312, covers its supervision. Day to day help runs on phone, email and chat, so you can reach the insurer directly rather than through a comparison site. Because the insurer writes the policy itself, cover and premium questions go straight to the same company.
How Hannoversche compares
9.4 vs 8.6
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.4
9.4 vs 8.7
9.4 vs 8.5
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9.4 vs 9.2
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 9.4
9.4 vs 8.7Linxea starts at €25, well above €7.91, and suits savers with a larger budget to put in.
9.4 vs 9.0
9.4 vs 8.8Its premium starts at €0, so it suits a reader whose budget matters more than the breadth of cover on offer.
9.4 vs 8.9
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9.4 vs 9.0
9.4 vs 8.3
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9.4 vs 8.2- 9.4 vs 8.0
Where Hannoversche is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) (1312), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does term life cover cost at Hannoversche?+
Term life premiums start at €7.91 a month, and monthly payments are available on this cover. Paying monthly suits people who prefer smaller regular outgoings to a single yearly premium, and the policy is arranged online.
How long can the cover run?+
Cover runs for Cover can run for 5 to 45 years, maximum to age 75. A term can be set to match a mortgage, or to cover dependants while they are young, and the same route can carry cover well past retirement age.
What sum insured is offered on term life?+
Term life cover comes with a stated sum insured, arranged online with a simplified health check rather than full medical evidence. Premiums on that route start at €7.91 a month.
Is Hannoversche regulated?+
Yes. Hannoversche is an insurer based in Germany, and it is supervised by the Bundesanstalt fur Finanzdienstleistungsaufsicht (BaFin) under licence 1312. The cover therefore sits with a supervised insurer rather than an intermediary.
Which kinds of insurance can I buy?+
The range covers auto, home and life. Car, home, life and income protection can sit with the same provider, which suits households who would rather deal with a single insurer than several policies bought separately.
How do I make a claim?+
Claims can be raised on phone, email and online service centre, so you can start by phone, by email or through the online service centre. For day to day questions the insurer also offers phone, email and chat.
Which country can I be covered in?+
Hannoversche is an insurer in Germany, so its policies are written for that market. Anyone resident elsewhere would need a local insurer, and cover bought here would not follow you abroad. For euro shoppers elsewhere, bunq Spain is the listed alternative.
Who is behind Hannoversche?+
The provider is Hannoversche Lebensversicherung AG, an insurer that has traded since 1875 in Germany. Its long record as a German insurer is what separates it from newer online only names.
Sources
- hannoversche.de checked September 26, 2026
Backs: Founded, Insurance types, Support channels
“150 years Hannoversche: because we have really always done the same thing since 1875 - Insure the now.”
- bafin.de checked September 26, 2026
Backs: Licences
- hannoversche.de/impressum checked September 26, 2026
Backs: Provider type, Headquarters, Legal entity
“Hannoversche Lebensversicherung AG, VHV-Platz 1, 30177 Hannover; Amtsgericht Hannover HRB 61011. For us as Versicherer (insurer) the decision of the insurance ombudsman is binding.”
- hannoversche.de/kontakt checked September 26, 2026
Backs: Claims channels
“Change your data, obtain contract information or report a claim (Leistungsfall melden) - that works easily online; phone 0511 670 50 100, send an e-mail, online service centre.”
- hannoversche.de/risikolebensversicherung checked September 26, 2026
Backs: Age range, Cover limit, Pricing model, Monthly payments, Premium from
“In general you can secure your loved ones with us for 5 to 45 years, maximum until your 75th year of life.”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Hannoversche
Households that want life, car, home and income protection written by a long established insurer in Germany.