Herzenssache

Herzenssache is a P&C specialty MGA (Assekuradeur) based in Lubeck, Germany, focused exclusively on motor insurance for classic cars, young classics, newer classics, and premium vehicles. The company targets German automobile enthusiasts who own vehicles that fall outside standard auto insurance parameters -- vehicles such as 20+ year old Oldtimers, Youngtimers, Newtimers, and luxury cars that mainstream carriers underwrite poorly or not at all.

The company arranges capacity through a syndicate of established German insurance carriers including Gothaer Allgemeine Versicherung, Signal Iduna, Wurttembergische Versicherung, Die Bayerische, and DEVK. It operates under the Assekuradeur model, maintaining underwriting authority on behalf of these carrier partners rather than bearing risk on its own balance sheet. In January 2024, Barmenia Insurance established an exclusive distribution partnership with Herzenssache to reach collectors through the DASG network.

Distribution runs primarily through its online rate calculator (Tarifrechner) and a broker portal (Vermittlerportal) for intermediaries. The company issues electronic proof of insurance (eVB) and supports self-valuations up to EUR 130,000, offering flexible mileage-based coverage starting from EUR 2,500 per year. With 822,500+ classic cars registered in Germany as of 2026 -- growing by 32,000+ vehicles year over year -- the company operates in an expanding domestic niche.