Updated September 28, 2026 · AssureCue Editorial Team
Allianz Assistance ES vs Groupama MRH
Allianz Assistance ES vs Groupama MRH: the differences
| Compare |  Allianz Assistance ES |  Groupama MRH |
|---|---|---|
| Premium from | €1.50Lower | €12.90 |
| Insurance types | Travel, Landlord | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, TravelCovers more |
| Excess from | €90Lower | €174 to €354 |
| Cover limit | Medical expenses abroad: up to 20,000 EUR (Bronze), 100,000 EUR (Silver), 500,000 EUR (Gold) | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value |
| Claims channels | Online, Email, Post | Online, Mobile app, Phone, Agency |
| Monthly payments | Not confirmed | Yes |
| Age range | Not confirmed | Reduced student tariff for tenants under 26 (2 rooms maximum) |
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
- Allianz Assistance ES is licensed in 1 more country.
- Allianz Assistance ES is available in 1 more country.
- Premium from is lower at Allianz Assistance ES: €1.50 vs €12.90.
- Excess from is lower at Allianz Assistance ES: €90 vs €174 to €354.
- Insurance types: only Groupama MRH offers Auto, Home, Life.
- Claims channels: only Allianz Assistance ES offers Email, Post.
- Claims channels: only Groupama MRH offers Mobile app, Phone, Agency.
- Support channels: only Allianz Assistance ES offers Email.
- Support channels: only Groupama MRH offers Chat.
Our verdict on each
Allianz Assistance ES
Allianz Assistance ES suits people in Spain buying travel or landlord cover who want a named insurer behind the policy rather than a broker. Premiums start at €1.50 and support runs through phone, email and help centre, so help is easy to reach before a claim.
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
Score breakdown
| Area | Allianz Assistance ES | Groupama MRH |
|---|---|---|
| Cost | 9.2HigherEntry premium is €1.50 with an excess from €90, both low beside the €8.37 site median for personal cover. | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. |
| Offer | 8.9 | 9.6Higher |
| Trust | 9.6 | 9.7Higher |
Where each is licensed and available
| Country | Allianz Assistance ES | Groupama MRH |
|---|---|---|
| France | ||
| Spain | Not confirmed |
Available in 1 country for both. Additional countries for Allianz Assistance ES: 1.
Which one suits you
Pick Allianz Assistance ES if cost, premium from, and excess from matter most.
Pick Groupama MRH if offer and insurance types matter most.
If neither fits
CHECK24 has premium from at €0.69, against €1.50 for Allianz Assistance ES and €12.90 for Groupama MRH.
CHECK24 reviewHow they place
| Ranking | Allianz Assistance ES | Groupama MRH |
|---|---|---|
| Home insurance | 63 of 272 | 70 of 272 |
| Travel insurance | 88 of 291 | 96 of 291 |
| Landlord insurance | 13 of 55 | 14 of 55 |
Every fact side by side
| Fact | Allianz Assistance ES | Groupama MRH |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Not confirmed | Monthly |
| Legal entity | AWP P&C SA. Sucursal en España | Assurances Mutuelles Agricoles Groupama |
| Headquarters | Spain | France |
| Founded | Not confirmed | 1900 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | Allianz Assistance ES | Groupama MRH | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | €12.90above the median | €5.97 |
| Excess from | €90above the median | €174 to €354above the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
Allianz Assistance ES
Pros
- An insurer rather than a middleman, so the sale, the policy and the claim sit with AWP P&C SA. Sucursal en España
- Support runs on phone, email and help centre for policy questions before a claim
- Claims can be filed through online, email and post, which lists online, email and post
Cons
- travel and landlord lists travel and landlord only, narrower than auto, home and renters
- An excess from €90 is left with you on a claim
- The lowest travel tier sets the smallest medical expenses abroad limit under the cover limit fact, so a heavy treatment bill abroad rests with you
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
Who each suits
Allianz Assistance ES
Who it suits
- Travellers buying cover in Spain who want help with medical costs abroad
- Landlords letting a property under travel and landlord
- Anyone who prefers an insurer that carries the risk itself
Who should look elsewhere
- Drivers and motorbike riders, since travel and landlord covers travel and landlord only and car cover sits elsewhere, such as Hiscox UK
- House occupiers shopping for buildings and contents cover, which Hiscox UK and Good Sam Insurance Agency list in home, renters and landlord and auto, home and renters
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
Current offers
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
Bonus
Up to EUR 250 off on Groupama Sante Active, Groupama Sante Active Senior or Groupama Sante: EUR 200 (page banner: up to EUR 250)
Contract of at least 1 year, minimum annual premium EUR 200 incl. tax, plus a second contract in the same period; 7 September to 17 October 2026; not combinable with other advantages
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
Country by country
| Country | Allianz Assistance ES | Groupama MRH |
|---|---|---|
| Spain | Yes | No |
| France | Yes | Yes |
Questions about each
Allianz Assistance ES
What does a travel policy from Allianz Assistance ES start at?+
The opening premium is €1.50 for travel cover, which reads as a low entry point beside the €8.37 site median. The final price moves with the tier, the trip and the cover limit you pick, so treat that figure as the floor rather than the quote.
Is this brand an insurer or a broker?+
It is registered as an insurer under insurer, which means it carries the risk in its own name. You deal with one company for the sale, the policy and the claim, with no separate underwriter to trace.
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.