Updated September 28, 2026 · AssureCue Editorial Team
Aviva vs ERGO Group Deutschland
Aviva vs ERGO Group Deutschland: the differences
| Compare |  Aviva |  ERGO Group Deutschland |
|---|---|---|
| Premium from | £5 | €3.90 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Claims channels | Online, App, PhoneCovers more | Online, Phone |
| Age range | 18-77 | Under 36 (13% start bonus for young people) |
| Cover limit | Not confirmed | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Insurance types: only Aviva offers Renters, Landlord, Critical illness.
- Insurance types: only ERGO Group Deutschland offers Motorcycle, Dental.
- Claims channels: only Aviva offers App.
- Support channels: only Aviva offers Help centre.
- Support channels: only ERGO Group Deutschland offers Email.
Our verdict on each
Aviva
Aviva suits people who want one regulated insurer for the whole family, from car and home to life and critical illness cover. Life premiums start at £5 a month, a low entry point, and the account is overseen by the Financial Conduct Authority and the Prudential Regulation Authority.
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.
Score breakdown
| Area | Aviva | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available. | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 9.4Higher | 9.1 |
| Trust | 9.6 | 9.6 |
Availability and regulation
| Country | Aviva | ERGO Group Deutschland |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Financial Conduct Authority 308139 | Not confirmed |
Additional countries for Aviva: 1. Additional countries for ERGO Group Deutschland: 1.
Feature by feature
| Insurance types | Aviva | ERGO Group Deutschland |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | No | Yes |
| Van | Yes | No |
| Breakdown | Yes | No |
| Landlord | Yes | No |
| Dental | No | Yes |
| Critical illness | Yes | No |
| Income protection | Yes | Yes |
Sources behind this comparison
Aviva
- aviva.co.uk: 11 facts, checked September 26, 2026
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
How they place
| Ranking | Aviva | ERGO Group Deutschland |
|---|---|---|
| Car insurance | 64 of 393 | 7 of 393 |
| Home insurance | 48 of 272 | 6 of 272 |
| Life insurance | 42 of 261 | 5 of 261 |
| Health insurance | 41 of 215 | 6 of 215 |
| Travel insurance | 75 of 291 | 10 of 291 |
| Business insurance | 36 of 150 | 8 of 150 |
| Income protection insurance | 11 of 92 | 2 of 92 |
| Public liability insurance | 14 of 51 | 4 of 51 |
Every fact side by side
| Fact | Aviva | ERGO Group Deutschland |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | ERGO Group AG |
| Headquarters | United Kingdom | Germany |
| Support channels | Phone, Chat, Help centre | Email, Chat, Phone |
Business insurance
| Fact | Aviva | ERGO Group Deutschland |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Public liability, Cyber, Property |
| Industries | vehicles, vans, rental property | Not confirmed |
Pros and cons
Aviva
Pros
- One insurer covers auto, home and renters
- Life premiums start at £5, under the site median of €8.37
- Aviva is an insurer, so it carries the risk itself
Cons
- £5 is an entry figure on life cover
- monthly lists monthly as the only model
- Support runs on phone, chat and help centre only
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
Aviva
Who it suits
- Families wanting car, home, renters, landlord, life, health, travel, pet, van and breakdown cover from one regulated insurer
- Older policyholders looking for life cover from an insurer listing seniors as an audience
- Landlords and vehicle businesses needing employers liability, professional indemnity and public liability
Who should look elsewhere
- Anyone wanting annual billing, since monthly lists monthly as the only model
- Readers wanting motorcycle or dental cover, neither of which appears in auto, home and renters
- Businesses needing cyber or property cover, as employers liability, professional indemnity and public liability covers only three lines
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
Aviva
Current offer
Bonus
Amazon.co.uk gift card reward for Life Insurance Plan: Amazon.co.uk gift card worth GBP 50 to GBP 200
Apply for a Life Insurance Plan by 9 November 2026; claim after paying six monthly premiums; max one reward per person and per policy; GBP 50 for monthly premium GBP 5-9.99, GBP 80 for GBP 10-19.99, GBP 140 for GBP 20-29.99, GBP 200 for GBP 30 or more; limited time offer, restrictions apply, may be withdrawn
Source, checked September 26, 2026
First period offer
Free life insurance when buying a home: up to 90 days free life insurance
Applies when buying a home; terms apply, see policy conditions for full details
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
| Country | Aviva | ERGO Group Deutschland |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Aviva
How much does Aviva cost as a starting point?+
Life insurance premiums start at £5. That figure sits below the site median of €8.37, where the market runs from €2.92 to €29.72. Motor, home and health cover are quoted separately rather than from this headline number.
Can I pay Aviva premiums monthly?+
Monthly payments are available and monthly lists monthly as the arrangement. That is the only model on record, so readers who prefer to settle a policy in one payment each year will not find that option here. Instalments can make a policy easier to start, though the total paid over the term is worth checking.
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.
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