Updated September 28, 2026 · AssureCue Editorial Team

1Cover vs ERGO Group Deutschland

1Cover scores 9.3 and ERGO Group Deutschland 9.4 out of 10. Compare their differences and shared features below.

1Cover

9.3/10

Facts checked September 26, 2026.

ERGO Group Deutschland

9.4/10

Facts checked September 26, 2026.

Where 1Cover and ERGO Group Deutschland differ

1Cover vs ERGO Group Deutschland
Compare
1Cover1Cover
ReviewSee alternativesSee alternatives
ERGO Group DeutschlandERGO Group Deutschland
ReviewVisitVisit
Insurance typesTravelAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more
Cover limitunlimited overseas emergency medical and hospital expenses31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)
Claims channelsOnline claim form, Phone, 24/7 emergency assistance lineOnline, Phone
Age rangeno age limit on comprehensive policies; 69 and under for medical only, frequent traveller and already overseasUnder 36 (13% start bonus for young people)
Premium fromNot confirmed€3.90
Monthly paymentsNot confirmedYes

Same on both: Provider type (Insurer).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Key differences

  • ERGO Group Deutschland scores higher overall: 9.4 vs 9.3.
  • Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
  • Claims channels: only 1Cover offers Online claim form, 24/7 emergency assistance line.
  • Claims channels: only ERGO Group Deutschland offers Online.
  • Support channels: only 1Cover offers Help centre.
  • Support channels: only ERGO Group Deutschland offers Email.

Our verdict on each

1Cover

1Cover is a travel insurer for travellers who want no ceiling on overseas hospital costs and help day and night once something goes wrong. It suits Australian shoppers comparing travel policies on medical cover and claim handling rather than on bundled household extras.

Read the full 1Cover review

ERGO Group Deutschland

ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.

Read the full ERGO Group Deutschland review

Score breakdown

1Cover vs ERGO Group Deutschland
Area1CoverERGO Group Deutschland
CostNot confirmed9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available.
Offer8.89.1Higher
Trust9.69.6

Where each is licensed and available

1Cover vs ERGO Group Deutschland
Country1CoverERGO Group Deutschland
AustraliaNot confirmed
GermanyNot confirmed

Additional countries for 1Cover: 1. Additional countries for ERGO Group Deutschland: 1.

Where they rank in our lists

1Cover vs ERGO Group Deutschland
Ranking1CoverERGO Group Deutschland
Travel insurance94 of 29510 of 295

Side by side, item by item

1Cover vs ERGO Group Deutschland
Insurance types1CoverERGO Group Deutschland
AutoNoYes
HomeNoYes
LifeNoYes
HealthNoYes
TravelYesYes
MotorcycleNoYes
DentalNoYes
Income protectionNoYes

What we checked

1Cover

  • 1cover.com.au: 9 facts, checked September 26, 2026

ERGO Group Deutschland

  • ergo.de: 10 facts, checked September 26, 2026
  • ergo.com: 1 fact, checked September 26, 2026

Every fact side by side

1Cover vs ERGO Group Deutschland
Fact1CoverERGO Group Deutschland
AudienceSeniorsNot confirmed
Pricing modelNot confirmedMonthly
Legal entity1Cover Pty LtdERGO Group AG
HeadquartersAustraliaGermany
Support channelsPhone, Chat, Help centreEmail, Chat, Phone

Business insurance

1Cover vs ERGO Group Deutschland
Fact1CoverERGO Group Deutschland
Cover typesNot confirmedPublic liability, Cyber, Property

Where each stands against the rest

1Cover vs ERGO Group Deutschland
Fact1CoverERGO Group DeutschlandMedian
Premium fromNot confirmed€3.90below the median€6.02

Median across 116 listed insurance providers.

Pros and cons

1Cover

Pros

  • Overseas emergency medical and hospital expenses are unlimited overseas emergency medical and hospital expenses
  • Help runs on phone, chat and help centre, with a online claim form, phone and 24/7 emergency assistance line route for urgent cases
  • One category only, travel, so quotes stay quick to compare

Cons

  • travel is the only category sold, so there is no bundle to price against
  • Support runs on phone, chat and help centre, with no email channel listed
  • The contract is with 1Cover Pty Ltd in AU rather than a global brand

ERGO Group Deutschland

Pros

  • Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
  • Monthly payments are available, so the cost spreads across the year rather than landing in one bill
  • Support runs on email, chat and phone, so you can reach a person on chat, email or phone

Cons

  • The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
  • The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
  • Support runs on email, chat and phone only, with no branch or broker option listed

Who each suits

1Cover

Who it suits

  • Travellers whose main worry is a large overseas hospital bill
  • Older travellers planning a trip and wanting help on online claim form, phone and 24/7 emergency assistance line
  • Shoppers who prefer a direct insurer rather than a broker

Who should look elsewhere

  • Household policies, since 1Cover sells travel only
  • Anyone wanting travel bundled with home or motor cover
  • Readers who want an email thread, as phone, chat and help centre lists no email

ERGO Group Deutschland

Who it suits

  • Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
  • Renters or flat owners who want monthly payments instead of a single annual bill
  • Small businesses that need public liability, cyber or property cover alongside personal lines

Who should look elsewhere

  • Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
  • People wanting pet or renters insurance, as neither appears in auto, home and life
  • Anyone who wants branch or in person service, since support runs on email, chat and phone only

Current offers

1Cover

Current offer

  • Discount code

    11% Off Travel Insurance (Spring 2026): 11% off

    T&C's apply

    Source, checked September 26, 2026

ERGO Group Deutschland

Current offer

  • Bonus

    13% start bonus for young people on ERGO Hausratversicherung: 13%

    Granted while the policyholder has not yet reached age 36; applied automatically

    Source, checked September 26, 2026

Country by country

1Cover vs ERGO Group Deutschland
Country1CoverERGO Group Deutschland
AustraliaYesNo
GermanyNoYes

Questions about each

1Cover

How much does a 1Cover travel policy cost?+

No premium figure for 1Cover appears in these records, so the price depends on the trip details you enter and the plan you choose. Travel is quoted per policy rather than published as one rate, and cover levels change the figure. Ask for the quote in writing before you travel so the wording matches what you paid for.

Is 1Cover the insurer or a broker?+

1Cover is a insurer, so the cover is underwritten by the company you deal with directly rather than handed to an unnamed underwriter. The legal entity named on the policy is 1Cover Pty Ltd. Your claim sits with the same firm that sold it to you, which keeps the chain short.

ERGO Group Deutschland

What does ERGO Group Deutschland cost to start with?+

The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.

Can I pay monthly instead of in one payment?+

Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.

Other options to compare

Other matchups

ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.4/10Visit

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