Updated September 28, 2026 · AssureCue Editorial Team
Allianz Assistance ES vs ROLAND-Rechtsschutz
Where Allianz Assistance ES and ROLAND-Rechtsschutz differ
| Compare |  Allianz Assistance ES |  ROLAND-Rechtsschutz |
|---|---|---|
| Insurance types | Travel, Landlord | Auto, Renters, Landlord |
| Excess from | €90 | €0Lower |
| Cover limit | Medical expenses abroad: up to 20,000 EUR (Bronze), 100,000 EUR (Silver), 500,000 EUR (Gold) | Unlimited sum insured (Deckungssumme unbegrenzt) in all tariffs |
| Claims channels | Online, Email, Post | Phone, Online |
| Premium from | €1.50 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
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
- ROLAND-Rechtsschutz scores higher overall: 9.4 vs 9.3.
- Allianz Assistance ES is licensed in 1 more country.
- ROLAND-Rechtsschutz is available in 1 more country.
- Excess from is lower at ROLAND-Rechtsschutz: €0 vs €90.
- Insurance types: only Allianz Assistance ES offers Travel.
- Insurance types: only ROLAND-Rechtsschutz offers Auto, Renters.
- Claims channels: only Allianz Assistance ES offers Email, Post.
- Claims channels: only ROLAND-Rechtsschutz offers Phone.
- Support channels: only ROLAND-Rechtsschutz 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.
ROLAND-Rechtsschutz
ROLAND-Rechtsschutz suits households that want legal expenses cover with an unlimited sum insured and no excess, and monthly payments are available so the premium is spread across the year rather than paid in full up front. It scores 8.1 overall, with cost at 8.1.
Score breakdown
| Area | Allianz Assistance ES | ROLAND-Rechtsschutz |
|---|---|---|
| Cost | 9.2Entry premium is €1.50 with an excess from €90, both low beside the €8.37 site median for personal cover. | 9.4HigherThe excess starts at €0 and monthly payments are available, so payouts are not cut by an upfront deduction. |
| Offer | 8.9 | 9.0Higher |
| Trust | 9.6 | 9.6 |
How they place
| Ranking | Allianz Assistance ES | ROLAND-Rechtsschutz |
|---|---|---|
| Home insurance | 63 of 272 | 61 of 272 |
| Landlord insurance | 13 of 55 | 11 of 55 |
Where each is licensed and available
| Country | Allianz Assistance ES | ROLAND-Rechtsschutz |
|---|---|---|
| France | Not confirmed | |
| Germany | Not confirmed | |
| Spain | Not confirmed |
Additional countries for Allianz Assistance ES: 2. Additional countries for ROLAND-Rechtsschutz: 3.
Side by side, item by item
| Insurance types | Allianz Assistance ES | ROLAND-Rechtsschutz |
|---|---|---|
| Auto | No | Yes |
| Renters | No | Yes |
| Travel | Yes | No |
| Landlord | Yes | Yes |
Where these facts come from
Allianz Assistance ES
- allianz-assistance.es: 9 facts, checked September 26, 2026
ROLAND-Rechtsschutz
- roland-rechtsschutz.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Allianz Assistance ES | ROLAND-Rechtsschutz |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Not confirmed | Monthly |
| Legal entity | AWP P&C SA. Sucursal en España | ROLAND Rechtsschutz-Versicherungs-AG |
| Headquarters | Spain | Germany |
| Founded | Not confirmed | 1957 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Allianz Assistance ES | ROLAND-Rechtsschutz | Median |
|---|---|---|---|
| Premium from | €1.50lowest quarter | Not confirmed | €5.97 |
| Excess from | €90above the median | €0below 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
ROLAND-Rechtsschutz
Pros
- The cover limit is unlimited in all tariffs, so a legal bill is not held back by a fixed cap.
- The excess starts at €0, so a claim is not reduced by an upfront payment from your own pocket.
- Monthly payments are available, spreading the premium rather than demanding the full sum up front.
Cons
- Cover sits within auto, renters and landlord, so you would need another insurer for travel, life or health protection.
- The stated audience is seniors, which narrows the marketing focus to older customers.
- Claims start through phone and online, a shorter set than the email, chat and phone offered for day to day questions, so a claim and a general enquiry follow different routes.
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
ROLAND-Rechtsschutz
Who it suits
- Households wanting legal expenses cover with an unlimited sum insured.
- Anyone who prefers a monthly premium to a single annual charge.
- People who want to deal with the insurer itself rather than a broker.
Who should look elsewhere
- Travellers after travel or pet cover, which Hiscox UK and Good Sam Insurance Agency list.
- Holders wanting many personal lines under one roof, since Good Sam Insurance Agency lists auto, home and renters.
- Anyone buying outside Germany, since this insurer is registered there as ROLAND Rechtsschutz-Versicherungs-AG.
Country by country
| Country | Allianz Assistance ES | ROLAND-Rechtsschutz |
|---|---|---|
| Austria | No | Yes |
| France | Yes | No |
| Germany | No | Yes |
| Italy | No | Yes |
| Spain | Yes | No |
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.
ROLAND-Rechtsschutz
What does the unlimited cover limit mean for a legal expenses claim?+
The cover limit is unlimited in all tariffs, so the sum insured does not place a fixed ceiling on a legal costs bill, whatever line the case falls under in auto, renters and landlord. That matters when a dispute runs long, because a capped policy would pay out only to its limit. Ask for the wording of your chosen tariff to see what counts as covered.
Is there an excess to pay if I make a claim?+
The excess starts at €0, so there is no upfront payment from your own pocket. A valid claim is therefore not reduced by an excess. Check the wording of your tariff, since terms can differ between the legal expenses element and any other lines you hold.