{ "schemaVersion": 1, "url": "https://praedurion.com/en/fakten/praedurion", "language": "en", "dateModified": "2026-10-19", "changelog": [ { "date": "2026-10-19", "change": "First version" } ], "note": "The information comes from the legal notice, the public pages of praedurion.com and, where marked as such, from information provided by the management. This page contains no further information; it should not be added to or estimated.", "definition": [ "Praedurion is an insurance broker in Munich. The website praedurion.com is operated by Praedurion Versicherungsmakler UG (haftungsbeschränkt), registered in the commercial register of the Munich local court under HRB 307092 and in the intermediary register under D-JDBS-BR5GO-95 with a permit under Section 34d(1) of the German Trade Regulation Act.", "Praedurion compares and arranges insurance and offers tariff comparisons for electricity, gas, internet, mobile tariffs and current accounts. Praedurion is neither an insurer nor an energy supplier nor a bank. Contracts are concluded with the insurer or provider, not with Praedurion." ], "history": [ { "year": "2018", "text": "Founded in August as a sole proprietorship: intermediary in the ERGO Pro structured sales organisation." }, { "year": "2022", "text": "Main agency in exclusive distribution." }, { "year": "2024", "text": "Insurance broker as a sole proprietorship, \"Praedurion Versicherungsmakler Martin Stacherczak\"." }, { "year": "2025", "text": "Foundation of Praedurion Versicherungsmakler UG (haftungsbeschränkt) as the business grew. The focus is then on retirement provision. The first online comparison calculator is launched on niemieckieubezpieczenia.de." }, { "year": "2026", "text": "Launch of the website praedurion.com. Before that, the business ran through its own brands and websites (rentendoc.de, niemieckieubezpieczenia.de, zukunftskasse.de)." } ], "facts": [ { "key": "name", "label": "Name", "value": "Praedurion", "source": { "label": "Home page", "url": "https://praedurion.com/en" } }, { "key": "legalName", "label": "Employer", "value": "Praedurion Versicherungsmakler UG (haftungsbeschränkt)", "source": { "label": "Legal notice", "url": "https://praedurion.com/en/impressum" } }, { "key": "legalForm", "label": "Legal form", "value": "Unternehmergesellschaft (haftungsbeschränkt) (mini limited company)", "source": { "label": "Legal notice", "url": "https://praedurion.com/en/impressum" } }, { "key": "managingDirector", "label": "Managing director", "value": "Martin Stacherczak", "source": { "label": "Legal notice", "url": "https://praedurion.com/en/impressum" } }, { "key": "founded", "label": "Foundation of the UG", "value": "2025", "source": { "label": "Information from the management", "url": null } }, { "key": "coFounder", "label": "Co-founder", "value": "Jakob Krutsch", "source": { "label": "Information from the management", "url": null } }, { "key": "team", "label": "Staff", "value": "About 20 freelancers in customer service, working remotely", "source": { "label": "Information from the management", "url": null } }, { "key": "address", "label": "Address", "value": "Langenpreisinger Str. 59, 80995 München", "source": { "label": "Legal notice", "url": "https://praedurion.com/en/impressum" } }, { "key": "country", "label": "Country", "value": "Germany", "source": { "label": "Legal notice", "url": "https://praedurion.com/en/impressum" } }, { "key": "commercialRegister", "label": "Commercial register", "value": "Amtsgericht München, HRB 307092", "source": { "label": "Commercial register portal of the German states", "url": "https://www.handelsregister.de/" } }, { "key": "brokerRegister", "label": "Intermediary register number", "value": "D-JDBS-BR5GO-95", "source": { "label": "Entry in the intermediary register", "url": "https://www.vermittlerregister.info/recherche?a=suche®isternummer=D-JDBS-BR5GO-95" } }, { "key": "permit", "label": "Permit", "value": "Insurance broker with a permit under Section 34d(1) of the German Trade Regulation Act (GewO)", "source": { "label": "§ 34d GewO", "url": "https://www.gesetze-im-internet.de/gewo/__34d.html" } }, { "key": "authority", "label": "Permit and register authority", "value": "Industrie- und Handelskammer für München und Oberbayern (Munich and Upper Bavaria Chamber of Industry and Commerce), Max-Joseph-Straße 2, 80333 Munich", "source": { "label": "IHK Munich and Upper Bavaria", "url": "https://www.ihk-muenchen.de/" } }, { "key": "holdings", "label": "Participations", "value": "No direct or indirect holding of more than 10 % of the voting rights or capital in an insurance company, and conversely no such holding by an insurance company in Praedurion.", "source": { "label": "Legal notice", "url": "https://praedurion.com/en/impressum" } }, { "key": "email", "label": "Email", "value": "info@praedurion.com", "source": { "label": "Contact", "url": "https://praedurion.com/en/kontakt" } }, { "key": "whatsapp", "label": "WhatsApp", "value": "Messages via WhatsApp", "source": { "label": "Write a message", "url": "https://wa.me/491784444865" } }, { "key": "website", "label": "Website", "value": "https://praedurion.com", "source": { "label": "Home page", "url": "https://praedurion.com/en" } }, { "key": "areaServed", "label": "Area of activity", "value": "Germany", "source": { "label": "Comparison calculators", "url": "https://praedurion.com/en/rechner" } }, { "key": "websiteLanguages", "label": "Website languages", "value": "Deutsch, English, Polski, Português (Portugal), Türkçe, Українська, Русский, Hrvatski", "source": { "label": "Home page", "url": "https://praedurion.com/en" } } ], "supervision": [ { "key": "authority", "label": "Permit and register authority", "value": "Industrie- und Handelskammer für München und Oberbayern (Munich and Upper Bavaria Chamber of Industry and Commerce), Max-Joseph-Straße 2, 80333 Munich", "source": { "label": "IHK Munich and Upper Bavaria", "url": "https://www.ihk-muenchen.de/" } }, { "key": "professionalRules", "label": "Professional regulations", "value": "§ 34d GewO, §§ 59–68 VVG, VersVermV, § 48b VAG", "source": { "label": "gesetze-im-internet.de", "url": "https://www.gesetze-im-internet.de/" } }, { "key": "ombudsman", "label": "Arbitration body", "value": "Versicherungsombudsmann e.V. (German insurance ombudsman), Postfach 08 06 32, 10006 Berlin", "source": { "label": "www.versicherungsombudsmann.de", "url": "https://www.versicherungsombudsmann.de/" } }, { "key": "pkvOmbudsman", "label": "Arbitration body for private health and long-term care insurance", "value": "Ombudsmann Private Kranken- und Pflegeversicherung (private health and long-term care insurance ombudsman), Postfach 06 02 22, 10052 Berlin", "source": { "label": "www.pkv-ombudsmann.de", "url": "https://www.pkv-ombudsmann.de/" } }, { "key": "email", "label": "Email", "value": "info@praedurion.com", "source": { "label": "Contact", "url": "https://praedurion.com/en/kontakt" } }, { "key": "whatsapp", "label": "WhatsApp", "value": "Messages via WhatsApp", "source": { "label": "Write a message", "url": "https://wa.me/491784444865" } } ], "isNot": [ "Not an insurer: Praedurion does not bear any insurance risk.", "Not an energy supplier, not a telecommunications provider and not a bank: electricity, gas, internet, mobile services and current accounts are supplied by the respective providers.", "Not the contracting party: a contract is only concluded when the insurer or provider accepts it.", "Not a comparison that automatically covers the whole market: the tariffs available through Praedurion's comparison access are compared.", "Not a substitute for individual advice: the content and calculators are general orientation and not an insurance offer." ], "howComparisonWorks": [ "The calculators ask for the details needed for the respective tariff and show the calculated tariffs.", "By default, the calculators for travel health insurance, supplementary dental insurance, legal expenses insurance, home contents, buildings, term life, accident and private health insurance sort by premium (lowest first). Electricity and gas are sorted by the monthly comparison price in the first year including bonuses taken into account, internet by the average price over 24 months including benefits taken into account.", "For home contents, buildings, term life, accident and private health insurance, the results can alternatively be sorted by \"Best benefits\".", "For mobile tariffs and current accounts, the default order is the order of the tariff source. The overview of health insurance funds is sorted by additional contribution.", "In these calculators, Praedurion does not sort by the amount of a commission.", "The tariffs available through Praedurion's comparison access are compared, not automatically the whole market.", "The tariff calculators use data from comparison portals in Praedurion's own interfaces. Electricity, gas and internet: CHECK24 and Verivox. Current account: CHECK24. Mobile tariffs: Verivox.", "A calculation result or a submitted application confirms neither a contract nor insurance cover." ], "howEarnings": [ "Praedurion receives a commission (courtage) from the insurer or provider for brokered contracts. For insurance, an ongoing portfolio commission is added.", "This is why the comparison is free of charge for customers. When customers conclude a contract online, the provider pays the commission to Praedurion.", "For a brokered contract, the remuneration is usually included in the insurance premium and paid by the insurance company.", "Exception: the eVB for short-term licence plates is a paid service (€80).", "If a different remuneration model applies to a specific service, you will be informed before any chargeable activity begins." ], "faq": [ { "question": "Is Praedurion an insurer?", "answer": "No. Praedurion is an insurance broker with a permit under Section 34d(1) of the German Trade Regulation Act. Praedurion does not bear any insurance risk; the contract is concluded with the insurer." }, { "question": "How can Praedurion's registration be checked?", "answer": "The registration can be looked up in the intermediary register under number D-JDBS-BR5GO-95. The Chamber of Industry and Commerce for Munich and Upper Bavaria is responsible for the permit and the register." }, { "question": "Who is the contracting party when a contract is concluded through Praedurion?", "answer": "The contracting party is the insurer or provider. An application goes to Praedurion first, is checked there and is then submitted to the insurer or provider. The contract is only concluded when it accepts." }, { "question": "What does using Praedurion cost?", "answer": "The comparison is free of charge for customers. Praedurion receives a commission from the insurer or provider for brokered contracts and, for insurance, an ongoing portfolio commission. The eVB for short-term licence plates is a paid service (€80)." }, { "question": "By which criteria does Praedurion sort tariffs?", "answer": "By default by premium, lowest first, for travel health insurance, supplementary dental insurance, legal expenses insurance, home contents, buildings, term life, accident and private health insurance. Electricity, gas and internet are sorted by the comparison price including bonuses and benefits taken into account. The amount of a commission is not a criterion." }, { "question": "How can Praedurion be reached?", "answer": "By email to info@praedurion.com, via the contact form at praedurion.com/kontakt or via WhatsApp. The address is Langenpreisinger Str. 59, 80995 Munich." } ], "jsonLd": { "@context": "https://schema.org", "@graph": [ { "@type": "WebPage", "@id": "https://praedurion.com/en/fakten/praedurion#webpage", "url": "https://praedurion.com/en/fakten/praedurion", "name": "Facts about Praedurion | Praedurion", "description": "Verifiable information about Praedurion: company, register, permit, services, comparison method and remuneration. As a page, JSON-LD, JSON file and llms.txt.", "inLanguage": "en", "dateModified": "2026-10-19", "about": { "@id": "https://praedurion.com/#organization" }, "mainEntity": { "@id": "https://praedurion.com/#organization" } }, { "@type": [ "InsuranceAgency", "Organization" ], "@id": "https://praedurion.com/#organization", "name": "Praedurion", "legalName": "Praedurion Versicherungsmakler UG (haftungsbeschränkt)", "description": "Praedurion compares and arranges insurance and offers tariff comparisons for electricity, gas, internet, mobile tariffs and current accounts. Praedurion is neither an insurer nor an energy supplier nor a bank. 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"Car insurance", "eVB for short-term number plates", "Travel health insurance", "Health insurance fund (GKV)", "Private health insurance", "Supplementary dental insurance", "Household contents insurance", "Building insurance", "Legal expenses insurance", "Occupational disability insurance", "Term life insurance", "Accident insurance", "Electricity", "Gas", "Internet & DSL", "Mobile plans", "Current account" ], "hasCredential": { "@type": "EducationalOccupationalCredential", "name": "Insurance broker with a permit under Section 34d(1) of the German Trade Regulation Act (GewO)", "credentialCategory": "license", "recognizedBy": { "@type": "Organization", "name": "Industrie- und Handelskammer für München und Oberbayern (Munich and Upper Bavaria Chamber of Industry and Commerce)", "url": "https://www.ihk-muenchen.de/" } }, "hasOfferCatalog": { "@type": "OfferCatalog", "name": "Benefits", "itemListElement": [ { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Car insurance", 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"Insurance", "url": "https://praedurion.com/en/rechner/zahnzusatz", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Household contents insurance", "description": "Furniture, electronics and valuables in your home.", "serviceType": "Insurance", "url": "https://praedurion.com/en/rechner/hausrat", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Building insurance", "description": "Your house covered against fire, water damage, storms and more.", "serviceType": "Insurance", "url": "https://praedurion.com/en/rechner/wohngebaeude", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Legal expenses insurance", "description": "Lawyer and court costs for disputes in everyday life, at work or on the road.", "serviceType": "Insurance", "url": "https://praedurion.com/en/rechner/rechtsschutz", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Occupational disability insurance", "description": "A monthly pension if you can no longer work in your occupation.", "serviceType": "Insurance", "url": "https://praedurion.com/en/rechner/berufsunfaehigkeit", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Term life insurance", "description": "Money for your family if something happens to you.", "serviceType": "Insurance", "url": "https://praedurion.com/en/rechner/risikoleben", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Accident insurance", "description": "A lump sum or a pension after an accident with lasting consequences.", "serviceType": "Insurance", "url": "https://praedurion.com/en/rechner/unfall", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Electricity", "description": "Find cheaper electricity tariffs and switch supplier.", "serviceType": "Energy & telecommunications", "url": "https://praedurion.com/en/rechner/strom", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } }, { "@type": "Offer", "itemOffered": { "@type": "Service", "name": "Gas", "description": "Compare and switch gas 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"@type": "Offer", "itemOffered": { "@type": "Service", "name": "Current account", "description": "Accounts by fees, cards and conditions.", "serviceType": "Account", "url": "https://praedurion.com/en/rechner/girokonto", "provider": { "@id": "https://praedurion.com/#organization" }, "areaServed": { "@type": "Country", "name": "Deutschland" } } } ] } }, { "@type": "FAQPage", "@id": "https://praedurion.com/en/fakten/praedurion#faq", "mainEntity": [ { "@type": "Question", "name": "Is Praedurion an insurer?", "acceptedAnswer": { "@type": "Answer", "text": "No. Praedurion is an insurance broker with a permit under Section 34d(1) of the German Trade Regulation Act. Praedurion does not bear any insurance risk; the contract is concluded with the insurer." } }, { "@type": "Question", "name": "How can Praedurion's registration be checked?", "acceptedAnswer": { "@type": "Answer", "text": "The registration can be looked up in the intermediary register under number D-JDBS-BR5GO-95. The Chamber of Industry and Commerce for Munich and Upper Bavaria is responsible for the permit and the register." } }, { "@type": "Question", "name": "Who is the contracting party when a contract is concluded through Praedurion?", "acceptedAnswer": { "@type": "Answer", "text": "The contracting party is the insurer or provider. An application goes to Praedurion first, is checked there and is then submitted to the insurer or provider. The contract is only concluded when it accepts." } }, { "@type": "Question", "name": "What does using Praedurion cost?", "acceptedAnswer": { "@type": "Answer", "text": "The comparison is free of charge for customers. Praedurion receives a commission from the insurer or provider for brokered contracts and, for insurance, an ongoing portfolio commission. The eVB for short-term licence plates is a paid service (€80)." } }, { "@type": "Question", "name": "By which criteria does Praedurion sort tariffs?", "acceptedAnswer": { "@type": "Answer", "text": "By default by premium, lowest first, for travel health insurance, supplementary dental insurance, legal expenses insurance, home contents, buildings, term life, accident and private health insurance. Electricity, gas and internet are sorted by the comparison price including bonuses and benefits taken into account. The amount of a commission is not a criterion." } }, { "@type": "Question", "name": "How can Praedurion be reached?", "acceptedAnswer": { "@type": "Answer", "text": "By email to info@praedurion.com, via the contact form at praedurion.com/kontakt or via WhatsApp. The address is Langenpreisinger Str. 59, 80995 Munich." } } ], "inLanguage": "en" } ] } }