GeraSure in Germany 2026 — BaFin, VVG and Buying Insurance in Euro
Published 21 April 2026 · 9 min read
Schnelle Antwort
GeraSure is an insurance comparison and brokerage service for customers in Germany. We operate under the Versicherungsvertragsgesetz (VVG) and §34d GewO Versicherungsvermittler framework, supervised by BaFin and registered in the IHK Vermittlerregister. Data is processed under DSGVO/BDSG. Quotes are displayed in € and all major German insurers (Allianz, HUK, AXA, Generali, Gothaer, Signal Iduna and 80+ more) are comparable.
Germany has the deepest insurance market in continental Europe, the strictest disclosure rules in the VVG, and the best-known comparison portal in Europe (Check24). Doing this well in 2026 means being truly independent, showing total cost of ownership, and handling the Widerrufsbelehrung and Erstinformation properly on day one.
The German regulatory stack
- BaFin — supervises insurers under VAG; we cooperate under the Vermittlerregister framework administered by the IHK.
- §34d GewO / Versicherungsvermittler — mandatory licence for any broker or tied agent; IHK-Prüfung, Erlaubnisurkunde, Vermögensschadenhaftpflicht of €1.3m per claim as minimum.
- VVG (Versicherungsvertragsgesetz) — transparency and disclosures, Beratungsprotokoll, Widerrufsbelehrung (14 Tage), Informationspflichten.
- VVG-InfoV — the implementing regulation on product information sheets.
- GDV (Gesamtverband der Deutschen Versicherungswirtschaft) — industry standards and Musterbedingungen (e.g. MB/KK for PKV, VHB for Hausrat).
- DSGVO + BDSG — customer data handled EU-resident with explicit consent for health-sensitive PKV quotes.
- IDD (EU Insurance Distribution Directive) — as transposed into German law; continuing education 15h/year.
Pricing in Euro
- Vergleich: für Kunden kostenlos (Courageturübliche Courtage vom Versicherer)
- Haftpflicht: ab €4/Monat
- Hausrat: ab €6/Monat
- Kfz-Haftpflicht: ab €19/Monat (SF-Klasse-abhängig)
- Berufsunfähigkeit: ab €29/Monat (alters- und berufsabhängig)
- PKV: Einzelangebot nach Gesundheitsprüfung
Payment rails
SEPA Lastschrift (default), PayPal and Klarna (Rechnung / Ratenzahlung) are supported. Card acceptance on insurance premiums is rare in Germany and we follow that convention — SEPA is the norm.
Honest comparison with German alternatives
- Check24 — the 800-pound gorilla; strong on Kfz and Strom/Gas bundling. Less independent on provider weighting.
- CLARK — digital broker app; good UX for consolidating existing Verträge.
- WeFox — Berlin-based broker platform.
- Verivox — strong on energy, decent on insurance.
- GeraSure — strictly independent (we name which Versicherer pay which Courtage), full VVG disclosures on every quote, plus bundle discounts with other Gera products.
Real German use case — a Cologne family
A family in Ehrenfeld, Köln compares Hausrat after a Wasserschaden last year. GeraSure pulls quotes from 18 insurers; the cheapest looked great until the GeraSure comparison surfaced that it excluded grobe Fahrlässigkeit up to 100%. Family picks mid-price quote that includes grobe Fahrlässigkeit and Elementarschäden for €11/month.
Cities where GeraSure is most used
Berlin, Munich, Hamburg, Cologne, Frankfurt, Stuttgart, Düsseldorf — with strong PKV usage from self-employed Kreative and Selbständige in Berlin, and strong Berufsunfähigkeit focus in Munich and Stuttgart.
Related Gera services
- GeraHome — Handwerker für Schadenbehebung bei Hausrat- oder Wohngebäudeschäden
- GeraRide — Kfz-Versicherung automatisch mit Mietwagenlizenz koppeln
- Gera Prime — Rabatte auf Hausrat, Haftpflicht und Auslandsreisekrankenversicherung
Jetzt Versicherungen vergleichen
Unabhängig. VVG-konform. 80+ Versicherer. Preise in €.
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