Updated September 29, 2026 · AssureCue Editorial Team
ARAG vs KS Auxilia
ARAG vs KS Auxilia: the differences
| Compare |  ARAG |  KS Auxilia |
|---|---|---|
| Premium from | €14.73 | €5.04Lower |
| Insurance types | Home, Health, Dental, Pet, Travel, Gadget | Legal expenses, Breakdown |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | Unlimited |
| Claims channels | Online, Phone | Online, Phone, Email, ChatCovers more |
| Age range | Not confirmed | 18+ |
Same on both: Provider type (Insurer), Monthly payments (Yes), Excess from (€0).
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Key differences
- Founded is lower at ARAG: 1935 vs 1964.
- ARAG is available in 17 more countries.
- Premium from is lower at KS Auxilia: €5.04 vs €14.73.
- Insurance types: only ARAG offers Home, Health, Dental.
- Insurance types: only KS Auxilia offers Legal expenses, Breakdown.
- Claims channels: only KS Auxilia offers Email, Chat.
- Support channels: only ARAG offers Help centre.
Our verdict on each
ARAG
ARAG is a German insurer founded in 1935 that writes home, health, dental, pet, travel and gadget cover on a monthly basis. It suits readers who want several household risks placed with the insurer itself, and who can live with a legal expenses limit that is fixed outside Europe.
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
Score breakdown
| Area | ARAG | KS Auxilia |
|---|---|---|
| Cost | 9.1Entry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend |
| Offer | 9.3Higher | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited |
| Trust | 9.6 | 9.6Established direct structure as insurer dating to 1964 |
How they place
| Ranking | ARAG | KS Auxilia |
|---|---|---|
| Business insurance | 36 of 147 | 1 of 147 |
Where each is licensed and available
| Country | ARAG | KS Auxilia |
|---|---|---|
| Germany |
Available in 1 country for both. Additional countries for ARAG: 17.
Also worth a look
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €14.73 for ARAG and €5.04 for KS Auxilia.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | ARAG | KS Auxilia |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | 1935Lower | 1964 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Phone |
Business insurance
| Fact | ARAG | KS Auxilia |
|---|---|---|
| Industries | Not confirmed | Private households, trades, medical professions, farmers, companies |
Where each stands against the rest
| Fact | ARAG | KS Auxilia | Median |
|---|---|---|---|
| Premium from | €14.73above the median | €5.04below the median | €6.02 |
| Excess from | €0below the median | €0below the median | €50 |
Median across 116 listed insurance providers.
Pros and cons
ARAG
Pros
- Premium starts at €14.73 with an excess of €0, so nothing is deducted from a legal expenses claim before payment.
- ARAG is the insurer itself, insurer, so the contract sits with the company that pays the claim rather than a broker.
- Home, health, dental, pet, travel and gadget cover all sit with the same provider under home, health and dental, so a household need not shop each line separately.
Cons
- The starting premium of €14.73 is above the typical price of €8.37 across the comparison, so cheaper entry points exist.
- Auto and life are missing from home, health and dental, while Good Sam Insurance Agency lists both in auto, home and renters.
- Claims are handled on online and phone, a narrower set of routes than the email, chat and phone offered for general service.
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
Who each suits
ARAG
Who it suits
- Households wanting home, health, dental, pet, travel and gadget cover written by the insurer itself under home, health and dental.
- Readers who pay monthly, since monthly payments are available and monthly is the only pricing model listed.
- Anyone weighing a claim with no money deducted first, because the excess on the legal expenses policy is €0.
Who should look elsewhere
- Drivers or life savers, since Good Sam Insurance Agency covers auto and life in auto, home and renters while ARAG's home, health and dental does not list them.
- Buyers who need landlord or renters policies, because Hiscox UK sells both under home, renters and landlord and ARAG's list stops at home, health, dental, pet, travel and gadget.
- Readers shopping purely on the lowest entry price, as €14.73 sits above the typical price of €8.37 and Euroasia Insurance quotes from UZS 60,000.
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
Current offers
ARAG
Current offer
Discount code
ARAG Recht und Heim package: 20% discount
Legal expenses, home contents and liability insurance bundle; claimed directly on the ARAG German site
Source, checked September 26, 2026
Country by country
| Country | ARAG | KS Auxilia |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
8 of 18 countries where either is available.
Questions about each
ARAG
What does ARAG cost to start with?+
The listed entry premium is €14.73, set on monthly terms for the legal expenses policy. That sits above the typical price of €8.37 and above the lower-quartile price of €2.92 across the comparison, so ARAG is priced in the middle of the field rather than at the budget end. The excess on that policy is €0.
Can I pay monthly instead of one annual sum?+
Yes. Monthly payments are available and monthly is the only pricing model listed, so the policy is not sold as a single annual payment. The same pattern runs across the comparison, with 88.9% of the listed brands offering monthly payments. Readers who set money aside each month are paying on the terms most of this market uses.
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
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