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helden.de

Digital insurance for everyday life, fully app-based with next-day coverage

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Overview

helden.de is a direct-to-consumer digital insurance carrier operating in Germany, offering personal lines coverage through a fully app-based platform with no paperwork and next-day policy activation. Founded in 2015 as Haftpflichthelden and rebranded to helden.de in 2016, the company operates under the legal entity Insurance Hero GmbH (Hamburg, HRB 139747) and focuses on personal liability, home contents, and lifestyle-specific products such as drone, e-bike, and bicycle insurance.

The platform is built entirely around digital-first operations, allowing customers to purchase and manage policies through a mobile app. The company avoids comparison portals and operates through proprietary customer acquisition, maintaining direct relationships with policyholders. Claims handling is handled digitally, and the platform supports next-day coverage activation across its product lines.

In April 2026, Getsafe -- a Heidelberg-based digital insurance platform -- acquired helden.de along with its portfolio of over 100,000 policies. helden.de continues to operate under its own brand within the Getsafe group, which holds over 500,000 customers across its multi-brand portfolio. Before the acquisition, helden.de had raised approximately EUR 25 million and achieved profitability.