BavariaDirekt goes productive with its commission and policy solution for household insurance

BavariaDirekt is currently in the process of modernizing its system landscape and is relying on software solutions from Faktor Zehn.


Category: Project updates

BavariaDirekt is currently in the process of modernizing its system landscape and is relying on software solutions from Faktor Zehn.

The digital insurer is now also introducing the new household product into the existing Faktor-ICO commission solution and the policy management system based on Faktor-IPM. This once again makes BavariaDirekt a pioneer in the use of the lean commission solution.

The implementation phase for the household insurance segment started at the beginning of 2023. After just nine months, both the policy management system and the commission system for the household segment successfully went live.

The systems are consistently designed for performance in order to be able to handle the massive access figures of the connected sales partner platforms without any problems. With the switch of the new household product to the FaktorZehn platform, all existing non-life products have now been implemented in the new IT architecture.

Mirek Sindler (Head of IT, Data & Controlling) says:

“We have successfully reached another milestone in IT modernization and created the conditions to further increase digital process excellence in the interaction of all application components.”

About BavariaDirekt

BavariaDirekt is a digital property and casualty insurer. With its modern cover concepts for private customers, it offers comprehensive insurance cover in the motor, cyber, liability, household, legal expenses, additional health insurance and assistance insurance segments. The InsurTech company focuses on data-driven, digital and innovative solutions for digital customers and sales partners. The insurer is part of the Versicherungskammer Group, a member of the Sparkassen-Finanzgruppe and one of the ten largest primary insurers in Germany.
You can find more information about BavariaDirekt at

More Information About our provision system

Faktor-ICO (Insurance Commission) supports insurers in mastering the many challenges posed by digitalization. These include increasing requirements for commission calculations, variable remuneration and bonus systems, etc. The Faktor-ICO commission system developed specifically for insurance companies is a lean but powerful software solution for overcoming these challenges. The Faktor-ICO commission solution supports you significantly in your multi-channel sales by allowing you to centrally settle different sales channels – for all lines of business and with different commission models. Complex organizational structures and hierarchies in sales are also no problem. Our solution is built from the foundation up as an expandable system to adapt perfectly to your requirements.

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