Who we are

The German Association of the Insured (BdV) is a registered association founded in 1982. It has about 50,000 members and is the only fully independent organisation representing the rights of insured people in Germany. It is therefore one of the most important German consumer associations and it acts as a political counterweight to the insurance lobby.

The BdV conducts test cases against insurers to enforce consumer rights. The Federal Constitutional Court and Federal Supreme Court have made groundbreaking rulings in favour of policyholders in response to actions launched by the BdV. These rulings have led to legal amendments.

Federal ministries and the German Federal Parliament regularly consult with the BdV. The BdV states its position on planned laws and appears in hearings as an expert. The BdV also organises regular scientific conferences to strengthen the consumer’s position in academic debate.

The organisation is represented in all media (television, radio, newspapers, magazines and online media). Its mission is to draw attention to deficiencies and lobby on behalf of fair treatment for consumers. The BdV “Leitfaden Versicherung” (insurance guide) is available in bookshops. The BdV serves as an independent and free information source through its brochures and information sheets on all sorts of important insurance subjects.

BdV members also have three key benefits:

  • They receive advice and information on private insurance. Please note, that this service is only in German language.
  • They can sign up to BdV group contracts.
  • They support an independent consumer protection organisation committed to the interests of insured persons.

We are the best remedy against bad insurances!

Excellent & Economical

Excellent & Economical insurance cover.

A guide to insurance issues in Germany because you need to know what you’re signing up for before you conclude an insurance contract.

Download PDF (4.58 MB)

Press release


Bund der Versicherten (BdV – German Association of The Insured) sees opportunity for private European pension scheme

After repeated consultations, the European Commission is pushing plans for a Pan-European Personal Pension Product (PEPP). The German Association of The Insured (BdV) has delivered its statement and is willing to support the project. BdV-spokesman of the board Axel Kleinlein said: “We need simple, efficient and pan-European concepts for pension schemes.”

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BdV’s brochure „Excellent and Economic Insurance Cover“ now available in English

The brochure „Excellent and Economic Insurance Cover“ is one of BdV’s most spread publications. It gives an overview over the most important private covers as well as the most frequent mistakes consumers make related to insurances concerning the German insurance market. Many tips for the research of the appropriate insurance cover are included. This brochure has now been published in English by Germany’s biggest consumer organization specialized on private insurances.

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EU Commission Consultation on FinTech: a more competitive and innovative European financial sector

FinTech, including InsurTech and Robo-Advisors, may be a factor for a more competitive and innovative European financial sector. But BdV underlines that consumers and investors must always be able to continue relying on high standards of consumer and investor protection, of data protection and privacy rights and of legal responsibility on the part of financial services providers.

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EIOPA Consultation on the proposal for Guidelines under IDD on complex insurance-based investment pr

BdV welcomes Guidelines on complex IBIPs but emphasizes the need for strict criteria. If too many exemptions from the suitability and appropriateness assessments are made, there will not be any changes in distribution practices of life insurances.

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Discussion Paper on Potential harmonisation of recovery and resolution frameworks for insurers

BdV fully supports EIOPA’s objective to develop a principle-based minimum harmonisation of recovery and resolution frameworks for insurers available to all national supervisory authorities. This objective is clearly consistent with the objectives which are already implemented in other sectors of the financial industry.

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