Understanding Perceived Added Value in the Insurance Sector

In 2025, Servicevalue gmbh, in collaboration with FOCUS MONEY magazine, conducted an extensive study to gauge customer perception of added value across various industries. The study, titled Added Value for Customers 2025, analyzed nearly 217,000 customer evaluations of over 1,150 companies spanning 46 sectors, including a detailed look at car insurance providers.

The core metric used was the “Added Value Index” (MWI), designed to quantify the experiential assessment of increased value derived from products or core services. A lower MWI indicates a stronger perception of added value. This index serves as a crucial benchmark for companies aiming to enhance customer satisfaction and loyalty.

Top Performers in Car Insurance: ADAC Leads the Pack

Within the competitive car insurance landscape, ADAC insurance emerged as the frontrunner, achieving an MWI of 2.58. Allianz Versicherungs-AG secured the second position with a close score of 2.59. Notably, HUK-COBURG Insurance and Provincial Insurance shared the bronze, both attaining an MWI of 2.61.

The Bronze Tier: A Cluster of High-Performing Insurers

Several other insurers closely followed, sharing the bronze tier, demonstrating consistently high levels of customer satisfaction:

• Allianz Direct Versicherungs-AG (2.62)
• LVM agricultural Insurance Association Münster AG (2.62)
• Cosmos Versicherung AG (2.62)
• Huk24 AG (2.62)
• VHV Allgemeine Versicherung AG (2.64)
• R+V Allgemeine Versicherung AG (2.64)
• Gothaer Allgemeine Versicherung AG (2.66)

Beyond the Top Three: High Customer Satisfaction Across the Board

The study identified twelve additional car insurance providers demonstrating above-average customer satisfaction. This broader recognition highlights the industry’s overall commitment to delivering value-added services and positive customer experiences. For a comprehensive ranking of motor insurers and insights into other industry sectors, refer to the complete study results available online.

The Meaning of Added Value in a Competitive Market

In today’s competitive insurance market, perceived added value is a critical differentiator. Insurers that consistently deliver exceptional service, personalized solutions, and obvious communication are more likely to attract and retain customers. Studies like the Added Value for Customers 2025 provide valuable insights for companies seeking to optimize their offerings and enhance customer loyalty.

According to a recent report by the Global Federation of Insurance Associations (GFIA), customer satisfaction is directly correlated with policy renewal rates and positive word-of-mouth referrals.Insurers who prioritize added value are not only improving their bottom line but also building stronger, more enduring relationships with their customers.