Updated September 28, 2026 · AssureCue Editorial Team
123Seguro vs helden.de
123Seguro
Higher score in this comparison
helden.de
123Seguro vs helden.de: the differences
| Compare | 123SeguroReviewSee alternativesSee alternatives | helden.deReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Breakdown | Home, Pet |
| Claims channels | Online claims form, WhatsApp, Self service portal, Phone, Free legal advice | Online claim form, Email, Phone, App |
| Premium from | Not confirmed | €3.52 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €150 |
| Cover limit | Not confirmed | Up to 50 million EUR sum insured (Privathaftpflicht) |
| Age range | Adults only, minors not accepted | Not confirmed |
Same on both: Provider type (Broker).
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Key differences
- 123Seguro scores higher overall: 9.1 vs 8.9.
- Founded is lower at 123Seguro: 2010 vs 2015.
- 123Seguro is available in 4 more countries.
- Insurance types: only 123Seguro offers Auto, Life, Health.
- Insurance types: only helden.de offers Pet.
- Claims channels: only 123Seguro offers Online claims form, WhatsApp, Self service portal.
- Claims channels: only helden.de offers Online claim form, Email, App.
- Support channels: only helden.de offers Community.
Our verdict on each
123Seguro
123Seguro suits adults in Argentina who want car, home, life, health and breakdown cover arranged through a single broker, and the median listed price here is €8.37. It is registered with the Superintendencia de Seguros de la Nacion, and support runs on chat, email and phone.
helden.de
helden.de suits German households that want home and pet cover arranged through a single monthly account, with claims handled in the app. Premiums start at €3.52 against a home ranking median of €8.50, and the cost score of 4.8 puts it among the cheaper listings here.
Score breakdown
| Area | 123Seguro | helden.de |
|---|---|---|
| Cost | Not confirmed | 9.0Entry premium of €3.52 sits well below the home median €8.50, and monthly payments keep the monthly outlay small. |
| Offer | 9.7Higher | 9.4 |
| Trust | 8.7Higher | 8.6 |
How they place
| Ranking | 123Seguro | helden.de |
|---|---|---|
| Home insurance | 117 of 273 | 203 of 273 |
Every fact side by side
| Fact | 123Seguro | helden.de |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | EURO SECURITY S.A. (CUIT 30-70805926-5) | helden.de GmbH |
| Headquarters | Argentina | Germany |
| Founded | 2010Lower | 2015 |
| Support channels | Chat, Email, Phone, Help centre | Email, Phone, Help centre, Chat, CommunityCovers more |
Where each stands against the rest
| Fact | 123Seguro | helden.de | Median |
|---|---|---|---|
| Premium from | Not confirmed | €3.52below the median | €6.02 |
| Excess from | Not confirmed | €150above the median | €50 |
Median across 116 listed insurance providers.
Pros and cons
123Seguro
Pros
- A single broker handles several lines, auto, home and life, for car, home, life, health and breakdown.
- Support runs on chat, email and phone, and auto claims can start through online claims form, WhatsApp and self service portal.
- The median listed price here is €8.37, with a lower quartile of €2.92 and an upper quartile of €29.72.
Cons
- Cover is for adults only: Adults only, minors not accepted, so a policy cannot sit in a child's name.
- Pet, travel and motorcycle cover is not among the lines listed, which are auto, home and life, so those must be arranged elsewhere.
helden.de
Pros
- Home and pet cover sit in the same account and monthly payments are offered, so a single monthly premium covers the household home and pet.
- Claims can be filed through an online claim form, email, phone or the app online claim form, email and phone.
- Personal liability cover carries a sum insured of Up to 50 million EUR sum insured (Privathaftpflicht) with an excess starting at €150.
Cons
- Cover runs to home and pet only home and pet, so travel, health or auto needs a different provider.
- helden.de works as a broker broker rather than carrying the risk itself.
- Monthly is the only payment model monthly, so there is no annual option and no saving for paying in one go.
Who each suits
123Seguro
Who it suits
- Adults in Argentina arranging car, home, life, health or breakdown cover through a single broker.
- People who want a choice of route on a claim, since online claims form, WhatsApp and self service portal spans an online form, WhatsApp, a self-service portal, phone and free legal advice.
- Shoppers who want several lines in a single place, with auto, home and life on offer.
Who should look elsewhere
- Minors, because Adults only, minors not accepted rules out a policy for a child.
- Anyone set on travel or gadget cover: EuroAsia Insurance lists auto, home and travel, so that pairing is worth a look.
- Households wanting pet, motorcycle or travel in a single place: Good Sam Insurance Agency lists auto, home and renters.
helden.de
Who it suits
- Households already holding both home and pet cover home and pet.
- People who would rather report a claim in the app online claim form, email and phone than post a form.
- Buyers watching the monthly outlay, since the entry premium sits under the home ranking median of €8.50.
Who should look elsewhere
- Hiscox UK, whose range covers home, renters, landlord, auto and home emergency home, renters and landlord but not pet cover.
- Good Sam Insurance Agency, which adds life, health, travel and motorcycle to its home and pet lines auto, home and renters.
- Euroasia Insurance, priced on another market from UZS 60,000, so it is a second reading rather than a swap.
Current offers
helden.de
Current offer
Discount code
General Helden Code HELD5: 1/12 of the annual premium off permanently
Code entered in the price step during online checkout; applies to all helden.de products; maximum 2 Helden Codes per contract; discount lasts for the whole contract term
Source, checked September 26, 2026
Country by country
| Country | 123Seguro | helden.de |
|---|---|---|
| Argentina | Yes | No |
| Brazil | Yes | No |
| Chile | Yes | No |
| Colombia | Yes | No |
| Germany | No | Yes |
| Mexico | Yes | No |
Questions about each
123Seguro
What kind of company is 123Seguro?+
It is a broker, not the underwriter, and its provider type is broker. An insurer named on your quote is the party that carries the risk and pays the claim, so the insurer behind each quote matters as much as the broker.
What will cover cost me?+
The median listed price here is €8.37, with a lower quartile of €2.92 and an upper quartile of €29.72. In the car ranking the median sits at €8.72 and the spread runs from €3.90 to €3,431.08, so the vehicle and the driver move the price most.
helden.de
What does cover cost to start?+
Premiums start at €3.52 for the entry product, well under the home ranking median of €8.50. Because monthly is the only payment model monthly, the outlay each month stays small instead of committing to a yearly sum.
Can home and pet sit in one account?+
The range runs to home and pet home and pet, and monthly payments are offered, so both can be held in one place. That suits households who would rather pay a single monthly bill than hold separate arrangements with separate providers.
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Related by the facts
123Seguro
helden.de