HUK Coburg

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Liability Assistance Fund of German driving officials a. G. in Coburg

legal form Mutual insurance association
founding September 3, 1933
Seat Coburg , GermanyGermanyGermany 
management Klaus-Jürgen Heitmann ( Board Spokesman )
Number of employees 10,522 (2019)
sales 7.85 billion euros (2019)
Branch Insurance , financial services
As of December 31, 2019

Buildings on Bahnhofsplatz
Building in Willi-Hussong-Straße 2

The HUK-Coburg liability support fund of motor vehicle officials in Germany a. G. in Coburg ( spelling HUK-COBURG ) is a mutual insurance association based in Coburg , Bavaria.

The company was founded on September 3, 1933 as a liability support fund for motor vehicle officials in Germany. V., based in Erfurt, was founded by members of the Pastors' Association (PKV) and the Association of German Teachers .

It is the largest self-help organization for the public sector. The group of companies includes five property and casualty insurers, two life insurers and two private health insurers as well as a service company.

Klaus-Jürgen Heitmann has been the Board Spokesman since August 1, 2017 . Heinrich R. Schradin has been Chairman of the Supervisory Board since July 2014.


Until 1998

On September 3, 1933, in the Hotel Kaiserin Augusta in Weimar, the Liability Assistance Fund for Kraftfahrender Officter Deutschlands e. V. based in Erfurt was founded by members of the Pastors' Association (PKV) and the Association of German Teachers . Among the founding members were the Protestant pastor Karl-August Fritsch , the teacher Wilhelm Russ and the insurance salesman Paul Brendel . In 1937 it was converted into a mutual insurance association (VVaG). In the same year, the license to operate the motor vehicle liability insurance was granted and the company in the liability support fund of motor vehicle officials in Germany a. G., Erfurt changed.

In 1945 the VVaG was cleared by order of the Soviet occupying forces. In 1950 he was revived; This was followed by the relocation of the registered office to Coburg and, on June 29, 1950, the entry in the Coburg Commercial Register under the name of Liability Assistance Fund of German motorists on mutuality in Coburg. At the general assembly on August 8, 1951, the church board member Willi Hussong and school councilor Heinrich Albsmeier were elected to the board alongside Paul Brendel .

In 1950 the company had its first headquarters in Coburg in a private apartment at Rodacher Strasse 42, where founding member Paul Brendel had moved. The next seat was spread over two floors in a building on Hinteren Kreuzgasse; In 1960, 155 employees were already working in a separate administration building on Heiligkreuzstrasse. In 1962, the company moved to the former Hotel Excelsior on Bahnhofsplatz in Coburg, which it acquired in 1964 and demolished in 1966. In the summer of 1970, the new head office was inaugurated on Bahnhofsplatz. Further construction phases followed in 1980, 1990 and 1996.

In 1966 business began in the new categories of household insurance , accident insurance and liability insurance . The subsidiary HUK-Coburg- Lebensversicherung was founded in 1968. In 1970 residential building insurance was taken up . In 1971, with the establishment of CORAG Coburger Rechtsschutzversicherung Aktiengesellschaft, legal protection insurance began operating.

With the founding of the HUK-Coburg-Allgemeine in 1977, the HUK-Coburg opened up to all private households beyond the public service. In 1979 the traffic service insurance division ( protection letter ) started operating ; In the same year, premium income exceeded the billion mark (in DM) for the first time.

In 1987 the company entered the private health insurance business with the establishment of HUK-Coburg-Krankenversicherung . In 1990 HUK-Coburg Internationale Service GmbH (now: HUK-Coburg-Assistance GmbH ) was founded; In the same year, the subsidiary CORAG was renamed HUK-Coburg-Rechtsschutzversicherung Aktiengesellschaft .

With the establishment of the HUK-Coburg-Bausparkasse in 1991, the HUK-Coburg entered a business field that was not part of the insurance for the first time; In addition, the offer was expanded to include the HUK-Coburg VISA card .

Due to the sustained high growth in the number of customers and employees, HUK-Coburg started building a new administration building in 1995 on Willi-Hussong-Strasse, located on Bertelsdorfer Höhe; the inauguration took place in 1998. With investments of 500 million DM, buildings for around 1900 employees were built on an area of ​​12.5 hectares in the first construction phase.

1999 to 2009

Logo of the HUK24

The years 1999 to 2003 were marked by an expansion of the business spectrum and the addition of two new brands .

In 1999, the insurance company began selling vehicle insurance online. Due to the rapid development of direct and online business, the subsidiary HUK24 AG, which operates exclusively online, was founded on October 16, 2000 and continuously expanded. HUK24 does not have its own employees.

From 2002 HUK-Coburg participated in the group of insurers in the area of ​​the churches (VRK). In 2004, the HUK-Coburg-Holding AG took over the majority of the church insurers Bruderhilfe Sachversicherung, Familienfürsorge life insurance and Pax-Familienfürsorge health insurance, which appear on the market under the common name of insurers in the church area: Bruderhilfe Pax Familienfürsorge .

Between 2004 and 2006, a new computing and logistics center for around 425 employees was built on Bertelsdorfer Höhe with an investment volume of 80 million euros.

Since May 2007 there has been another subsidiary of HUK-Coburg: The IPZ - Institute for Pensions Management and Additional Supply GmbH, advises natural and legal persons as a specialist on company pension schemes and pension management. Target groups are the private sector as well as public and church institutions.

On September 21, 2007, Postbank and HUK-Coburg announced the conclusion of a long-term sales partnership. In October 2007, sales of motor insurance from HUK-Coburg began in the Postbank branches and on the Postbank website. As of 2008, all Postbank sales channels will exclusively sell motor, liability and property insurance from HUK-Coburg. Conversely, the sales department of HUK-Coburg will exclusively offer banking products for private customers of Postbank, such as current accounts.

Since 2010

Together with Debeka Krankenversicherungs-Verein aG, HUK-Coburg Holding AG has been operating the newly founded Private Healthcare Assistance GmbH as a joint venture since the beginning of 2010 , in which the two insurance companies, each 50 percent involved, bundle their international emergency call service.

In October 2012 the HUK-Coburg Bausparkasse was merged with the Aachener Bausparkasse . In addition to HUK-Coburg, the largest single shareholder with a 31% stake, eight other insurance groups (Gothaer, Universa, LVM, ARAG, Continentale, Mecklenburgische, WWK and Barmenia) are shareholders in Aachener Bausparkasse.

In 2013, the company entered company health insurance and henceforth offers companies the opportunity to protect their employees' health with private supplementary health insurance .

In 2014 the company opened another location for customer service in Fürth and thus expanded its customer service to nine locations with over 1,600 employees.

Due to the growing workforce, the building complex in Coburg's Willi-Hussong-Strasse was expanded in January 2015, which now offers 230 additional jobs. In 2016, another extension followed with a building block in modular construction, which was connected to this extension.

Also in 2016, the company introduced a telematics product for young drivers under the name “Smart Driver Program”.

The trade union ver.di criticizes the personnel policy of the HUK-Coburg, especially the way it deals with sick employees.

Group profile

The company has almost 12 million customers with 38 million contracts and risks in its portfolio (as of 2017). The premium income amounts to around 7.4 billion euros (as of 2017). In 2010 the company rose to become the largest motor insurer in Germany based on the number of contracts.

In 2017 the company had 10,313 employees. With 5,736 employees in Coburg (as of 2017), the insurance is the city's largest employer. The employees are distributed over an administrative complex in the city center at the train station and a second larger one on Bertelsdorfer Höhe ( Coburg junction of the federal motorway 73 ).

With 275 trainees (as of 2017), HUK-Coburg is also the largest training company in the city.

Business areas

The business activity focuses on the insurance needs of private customers. Measured by the number of units, the company is the largest motor vehicle and second largest private liability and household contents insurer in Germany . The latest line of business is company pension schemes. As a special insurer for the public sector, HUK-Coburg offers both civil servants and employees under collective agreements special tariffs.

The company offers the following types of insurance:

In addition, building society products are taught.

Corporate structure

The company is a mutual insurance association , so the policyholders of the parent company themselves are members and sponsors of the association. The parent company HUK-Coburg liability support fund of motor vehicle officials in Germany a. G. in Coburg holds shares in HUK-Coburg Holding AG:

Consolidated subsidiaries of HUK-Coburg-Holding AG are the following corporations (unless otherwise noted, 100%):

  • HUK-Coburg-Allgemeine Versicherung AG, Coburg
  • HUK-Coburg-Rechtsschutzversicherung AG, Coburg
  • HUK-Coburg-Lebensversicherung AG, Coburg
  • HUK-Coburg-Krankenversicherung AG, Coburg
  • HUK24 AG, Coburg
  • HUK-Coburg-Assistance GmbH, Frankfurt
  • HUK-Coburg Finanzverwaltungs-GmbH, Coburg
  • VRK Holding GmbH , Detmold (72.5%)
  • Bruderhilfe Sachversicherung AG in the area of ​​the churches, Kassel
  • Familienfürsorge Lebensversicherung AG in the area of ​​the churches, Detmold
  • PAX-Familienfürsorge Krankenversicherung AG in the area of ​​the churches, Detmold
  • HUK-Coburg data service and services GmbH, Coburg
  • HUK-Coburg Erste Finanzverwaltungs-GmbH, Coburg
  • HUK-Coburg Second Finanzverwaltungs-GmbH, Coburg
  • HUK-Coburg Third Financial Management GmbH, Coburg
  • HUK-Coburg Business Solutions GmbH, Berlin
  • HUK-Coburg Service GmbH, Jena

The following partnerships are also included in the consolidation:

  • HUK-Coburg-Immobilien-Gesellschaft GbR, Coburg
  • HC Seniorenstift Köln GmbH & Co. KG, Coburg
  • HC Gateway Gardens GmbH & Co. KG, Coburg
  • HC Immobiliengesellschaft Essen 1 GmbH & Co. KG, Coburg
  • HUK-Coburg-Immobilien-Gesellschaft Berlin GbR, Coburg
  • HUK-Coburg-Immobilien-Gesellschaft Künzell GbR, Coburg
  • HC Immobiliengesellschaft Hannover mbH & Co. KG, Coburg (94.80%)
  • MONA Zwei GmbH & Co. closed investment KG, Grünwald
  • MONA Center GmbH & Co. KG, Grünwald (75.00%)
  • Real IS Institutional Real Estate 1 GmbH & Co. closed investment KG, Munich
  • Paris Eden Monceau S CI, Paris


  • The company has been operating a Germany-wide network of partner workshops since 2002 with around 1,500 workshops (2017). The company now shares this workshop network with other insurers, who together enable their around 15 million motor vehicle insurance customers to use the service of partner workshops in the event of damage. Other participants in the partner workshop network include VHV (since January 15, 2008), Concordia , Generali Deutschland and Gothaer . Debeka has also been taking part since 2010 .
  • HUK-Coburg cooperates with the Barmer Ersatzkasse , the Aachener Bausparkasse , the Postbank and the United Post Insurance .
  • The company is the main sponsor of the HSC 2000 Coburg handball club .


  • Catrin Behlau: Get cheap insurance. 75 years of HUK-COBURG. Published by HUK-Coburg. Geschichtsbüro-Verlag, Cologne 2008, ISBN 978-3-940371-11-9 .

Web links

Commons : HUK-Coburg  - Collection of images, videos and audio files

Individual evidence

  1. a b c d e f HUK-Coburg: Report on the 2019 financial year. HUK-COBURG insurance group . S. 113 ( [PDF; accessed on July 12, 2020]).
  2. a b c d e Group reports
  3. Heinrich R. Schradin is chairman of the supervisory board of HUK-COBURG. In:, July 7, 2014, accessed on May 12, 2019.
  4. ^ Postbank HUK24 car insurance ( Memento from January 6, 2017 in the Internet Archive ). In:, accessed on May 12, 2019.
  5. When competitors become allies. Insurance Journal Germany from January 28, 2010.
  6. Huk-Coburg becomes the largest shareholder of the Aachen building society. The merger is complete. Article at, accessed on August 7, 2013.
  7. a b c HIK-Coburg: facts and history
  8. Smartdriver.
  9. ver.di demands course correction of the personnel policy of the HUK-Coburg. Press release. In: ver.di. April 24, 2018. Retrieved October 25, 2018.
  10. Terminations due to illness at HUK-Coburg: HUK withdraws its complaints! In:, accessed on October 25, 2018.
  11. ^ HUK-Coburg: Report on the 2017 financial year. HUK-COBURG insurance group . S. 20 ( [PDF; 1.5 MB ; accessed on April 11, 2018]).
  12. HUK-Coburg continues to expand position in motor vehicle insurance. HUK-Coburg press release of May 10, 2011, accessed on May 11, 2011.
  13. Top position in motor insurance - website
  14. HUK-Coburg now bundles 15 million motor vehicle customers . At Autohaus online on September 26, 2008.
  15. Herbert Fromme: HUK-Coburg wins Debeka for workshop network. ( Memento from June 16, 2010 in the Internet Archive ) In: Financial Times Deutschland , June 14, 2010.
  16. The Cooperation Partners of HUK-Coburg , HUK-Coburg website, accessed on January 17, 2017.
  17. ^ HSC 2000 Coburg - 1st team sponsors. (No longer available online.) In: HSC 2000 Coburg. Archived from the original on September 18, 2016 ; accessed on April 14, 2016 .

Coordinates: 50 ° 15 ′ 49 ″  N , 10 ° 57 ′ 33.8 ″  E