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Real Garant Versicherung AG: cancelling, claims and complaints

Real Garant Versicherung Aktiengesellschaft has its head office in Denkendorf, Germany. The German regulator BaFin lists the company as a property and casualty insurer under register number 5799. This page explains where your cancellation must go, how to report a claim and how often customers complained to the regulator.

How to cancel with Real Garant Versicherung AG

Send the cancellation to the address printed on your policy schedule (Versicherungsschein). If none is given there, the head office is the right address:

Real Garant Versicherung Aktiengesellschaft
Marie-Curie-Straße 3
73770 Denkendorf
Germany

For contracts signed after 30 September 2016 a letter or an email is enough: German law no longer allows consumer contracts to demand more than text form (section 309 no. 13 of the Civil Code). Give your policy number, your name and the date the contract should end, and ask for written confirmation. A German letter is not required, but it avoids delays.

If the contract can be taken out on the insurer's website, the site must also offer a clearly visible cancellation button (section 312k of the Civil Code).

Notice periods by type of policy

Property, liability, accident and legal expenses policies

three months before the renewal date

These contracts usually run for a year and renew automatically. To end one, the cancellation has to reach the insurer three months before the renewal date, not merely be posted by then.

Special right to cancel: On top of that, a claim you have reported and a premium increase without more cover each open a one month window to cancel, whatever the renewal date.

Work out your last day to cancel

Reporting a claim to Real Garant Versicherung AG

  1. Report the loss as early as you can, ideally the same day. German insurance law requires you to notify the insurer without undue delay (section 30 of the Insurance Contract Act, VVG).
  2. Keep the damage as small as is reasonable and do not throw anything away before the insurer has seen it or agreed (section 82 VVG).
  3. Collect photos, receipts and the names of witnesses. For burglary, theft and vandalism you also need a police report.
  4. Keep your policy number at hand. The claim number you are given will appear on every letter after that.

Contact details taken from the insurer's own website, checked on 15 October 2026. Your contract takes precedence.

Complaints about Real Garant Versicherung AG to BaFin

Real Garant Versicherung AG does not appear in BaFin's complaint statistics for 2023 to 2025. The statistics only list companies with at least one closed complaint in one of the eight classes covered.

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What Real Garant Versicherung AG is licensed to insure

BaFin lists 3 classes of business under Annex 1 of the German Insurance Supervision Act for which the company holds a licence:

  • 09 Other damage to property
  • 16 Miscellaneous financial loss
  • 18 Assistance

A dispute with Real Garant Versicherung AG: ombudsman and complaints

The BaFin register does not name an ombudsman scheme for this company.

You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.

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Further reading

Questions

Where do I send a cancellation to Real Garant Versicherung AG?

To the address on your policy schedule. If none is given there, to the head office: Real Garant Versicherung Aktiengesellschaft, Marie-Curie-Straße 3, 73770 Denkendorf. For contracts from October 2016 a letter or email quoting your policy number is enough.

How many complaints were there about Real Garant Versicherung AG?

Real Garant Versicherung AG does not appear in BaFin's complaint statistics for 2023 to 2025.

Who supervises Real Garant Versicherung AG?

The Federal Financial Supervisory Authority (BaFin). It lists the company as a property and casualty insurer under register number 5799.

Who mediates in a dispute with Real Garant Versicherung AG?

The BaFin register does not name an ombudsman scheme for this company. You can also complain to BaFin directly. Its consumer line is +49 800 2 100 500, weekdays 8 am to 6 pm.

Sources

Updated: 15 October 2026 · All insurers · Complaints compared