Updated October 14, 2026 · AssureCue Editorial Team

Aviva vs kautionsfrei.de

Aviva scores 9.4 and kautionsfrei.de 9.0 out of 10. Compare their differences and shared features below.
kautionsfrei.de

kautionsfrei.de

9.0/10
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Aviva

Aviva

Higher score in this comparison

9.4/10
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Where Aviva and kautionsfrei.de differ

Aviva vs kautionsfrei.de
CompareAvivaAvivaReviewSee alternativesSee alternativeskautionsfrei.dekautionsfrei.deReviewVisitVisit
Premium from£5€4.17
Insurance typesAuto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, BreakdownCovers moreRenters
Provider typeInsurerBroker
Claims channelsOnline, App, PhoneEmail, Fax, Post
Age range18-7718+
Cover limitNot confirmed50,000 EUR

Same on both: Monthly payments (Yes).

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

  • Aviva scores higher overall: 9.4 vs 9.0.
  • Insurance types: only Aviva offers Auto, Home, Landlord.
  • Claims channels: only Aviva offers Online, App, Phone.
  • Claims channels: only kautionsfrei.de offers Email, Fax, Post.
  • Support channels: only kautionsfrei.de offers Email.

Our verdict on each

Aviva

Aviva lets customers choose level or decreasing cover and set its duration and amount.

Read the full Aviva review

kautionsfrei.de

kautionsfrei.de is a German broker built around a single purpose: renters cover paid monthly, with premiums from €4.17 and a 50,000 EUR ceiling. It suits tenants who want contents protection on a small monthly bill, not landlords or anyone after buildings cover.

Read the full kautionsfrei.de review

Score breakdown

Aviva vs kautionsfrei.de
AreaAvivakautionsfrei.de
Cost9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available.9.2HigherEntry price of €4.17 sits under the site median of €8.37, ranking 80 of 252.
Offer9.4Higher9.0
Trust9.6Higher8.7

What each covers

Aviva vs kautionsfrei.de
Insurance typesAvivakautionsfrei.de
AutoYesNo
HomeYesNo
RentersYesYes
LifeYesNo
HealthYesNo
TravelYesNo
PetYesNo
VanYesNo
BreakdownYesNo
LandlordYesNo
Critical illnessYesNo
Income protectionYesNo

Licences and countries

Aviva vs kautionsfrei.de
CountryAvivakautionsfrei.de
GermanyNot confirmed
United KingdomNot confirmed

Additional countries for Aviva: 1. Additional countries for kautionsfrei.de: 1.

What we checked

Aviva

  • aviva.co.uk: 11 facts, checked September 26, 2026

kautionsfrei.de

  • kautionsfrei.de: 12 facts, checked September 26, 2026

How they place

Aviva vs kautionsfrei.de
RankingAvivakautionsfrei.de
Home insurance51 of 27321 of 273
Renters and contents insurance17 of 786 of 78

Every fact side by side

Aviva vs kautionsfrei.de
FactAvivakautionsfrei.de
AudienceSeniorsNot confirmed
Pricing modelMonthlyMonthly
Legal entityAviva plcplusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806)
HeadquartersUnited KingdomGermany
FoundedNot confirmed2009
Support channelsPhone, Chat, Help centrePhone, Chat, Email, Help centreCovers more

Business insurance

Aviva vs kautionsfrei.de
FactAvivakautionsfrei.de
Cover typesEmployers liability, Professional indemnity, Public liabilityNot confirmed
Industriesvehicles, vans, rental propertyNot confirmed

Pros and cons

Aviva

Pros

  • Cover choices and price factors are explained
  • MyAviva supports viewing and changing listed policies

Cons

  • Stopping premiums or cancelling ends cover without a refund

kautionsfrei.de

Pros

  • Renters cover sold on its own, priced from €4.17 with monthly payments available.
  • Help comes through phone, chat and email, so questions can go to phone, chat, email or the help centre.
  • A stated ceiling of 50,000 EUR makes the payout limit easy to check against a tenant's own inventory.

Cons

  • Claims are handled by email, fax and post only, so a claim starts on a written route rather than by phone.
  • The line sold is renters only, per renters, so home or landlord cover is not part of the range.
  • Plans run on a monthly model only, per monthly, so there is no single annual payment.

Who each suits

Aviva

Who it suits

  • Aviva customers comparing policy duration, cover amount and account management.

kautionsfrei.de

Who it suits

  • Tenants renting in Germany who want cover for their belongings without a buildings policy.
  • Readers who track spending month by month and prefer small monthly premiums.
  • Adults, since the age range starts at 18+.

Who should look elsewhere

  • Anyone insuring a building rather than its contents: Hiscox UK lists landlord and home cover alongside renters, per home, renters and landlord.
  • Readers who want one provider for the whole household: Good Sam Insurance Agency sells home, renters, life, health, travel and more, per auto, home and renters.

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

kautionsfrei.de

Current offer

  • Bonus

    Up to 5 months free private liability insurance via getsafe: Up to 5 months free Haftpflichtversicherung at getsafe, then from 2,94 EUR per month

    Voucher issued to new customers after signing the Buergschaft; insurance concluded online, terminable daily

    Source, checked September 26, 2026

  • Bonus

    Free initial phone consultation with a kautionsfrei.de lawyer: 1 free first phone consultation on a tenancy issue

    Voucher after conclusion of the Buergschaft, redeemable within 2 months, for questions on the old or new tenancy contract

    Source, checked September 26, 2026

Country by country

Aviva vs kautionsfrei.de
CountryAvivakautionsfrei.de
GermanyNoYes
United KingdomYesNo

Questions about each

kautionsfrei.de

What does kautionsfrei.de cost to start?+

Renters cover starts at €4.17 a month, while the site median for a starting premium is €8.37. The entry figure therefore sits below the typical starting point, and the cost score recorded for this brand is 6.7.

Can I pay monthly instead of setting aside a full year of premium?+

Monthly is the only model on offer, per monthly, and monthly payments are available. That suits readers who track spending month by month rather than paying a single larger amount for a full year.

Is kautionsfrei.de an insurer or a broker?+

It is a broker, per broker, so cover is placed with an insurer while the site handles the comparison. The company behind it is plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806), trading since 2009 and based in Germany.

How do I make a claim?+

Claims are handled by email, fax and post. Those written routes mean a claim starts with documentation rather than a conversation, which suits anyone who keeps scans of the rental agreement and a list of what they own.

Other options to compare

kautionsfrei.de

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Aviva

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