HUK24: Growing Germany’s largest online insurer

The digital mutual: Episode 6, HUK-Coburg (Germany)

For almost 20 years, HUK-COBURG’s online-only subsidiary HUK24 AG has been a pioneer in direct, digital insurance. With more than two million customers, it is now Germany’s largest direct insurer and a top 10 motor insurer through its online-only distribution strategy. In this webinar, HUK24’s Board Member Detlef Frank shares their digital strategy and how HUK24 are leveraging their unique market positioning. Hear how they have created a simplified user experience and utilising data-based optimisation and personalisation to provide excellent customer journeys. Also, learn how HUK24 is developing and testing new business models and digital innovations, and piloting digitalisation processes for the rest of the HUK-Coburg Group.


  • Detlef Frank, Board Member HUK24

In this series of bi-monthly webinars, various ICMIF members from around the world will showcase their digital strategy and journey in the pursuit of digital transformation. In these case studies, learn how leading mutual/cooperative insurers are harnessing the power of technologies to digitise their business and integrate digitalisation and innovation into their overall strategy, whilst maintaining their unique value proposition and member-driven focus. Hear examples of new technological capabilities, digital innovations and strategic partnerships in the digital ecosystem as they look to transform their business models and organisational culture to adapt for the increasingly digitalised world.

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