Updated September 29, 2026 · AssureCue Editorial Team
AXA vs ERGO
What sets them apart
| Compare |  AXA | ERGO ReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | £275 | CZK 44 |
| Insurance types | Auto, Home, Renters, Landlord, Van, Health, Dental, Travel, Breakdown, Home emergencyCovers more | Travel |
| Monthly payments | YesHas it | No |
| Claims channels | Phone, Online | Online, Phone, Email, ChatCovers more |
| Excess from | Not confirmed | €150 |
| Cover limit | Not confirmed | 100 million CZK medical expenses |
| Age range | Not confirmed | 18-69 |
Same on both: Provider type (Insurer).
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Key differences
- ERGO scores higher overall: 9.3 vs 9.1.
- Monthly payments: only AXA.
- Insurance types: only AXA offers Auto, Home, Renters.
- Claims channels: only ERGO offers Email, Chat.
- Support channels: only AXA offers Help centre.
- Support channels: only ERGO offers Email, Chat.
Our verdict on each
AXA
AXA suits households and small firms wanting one insurer across many cover types, plus business lines for public liability, professional indemnity and employers liability. It costs more: premium from £275 against a site median of €8.37.
ERGO
ERGO suits adults planning single trips who want cover from an insurer with long history and clear medical limits. Premiums start at CZK 44 with medical expenses cover of 100 million CZK medical expenses and claims support across online, phone and email.
Score breakdown
| Area | AXA | ERGO |
|---|---|---|
| Cost | 8.6Premium from £275 sits far above the site median of €8.37, ranking 245 of 252. | 8.9HigherEntry travel premiums start at CZK 44, which frames upfront cost. |
| Offer | 8.9 | 9.0HigherTravel focus shown by travel with medical cover of 100 million CZK medical expenses. |
| Trust | 9.6 | 9.7HigherLong operating history since 1907 as insurer supports trust. |
Where they rank in our lists
| Ranking | AXA | ERGO |
|---|---|---|
| Travel insurance | 4 of 295 | 110 of 295 |
| Business insurance | 5 of 147 | 62 of 147 |
| Professional indemnity and liability insurance | 1 of 39 | 22 of 39 |
| Public liability insurance | 2 of 52 | 26 of 52 |
Where each is licensed and available
| Country | AXA | ERGO |
|---|---|---|
| Czechia | Not confirmed |
Additional countries for AXA: 1. Additional countries for ERGO: 1.
Every fact side by side
| Fact | AXA | ERGO |
|---|---|---|
| Legal entity | AXA SA | ERGO Cestovní Pojišťovna, a. s. |
| Headquarters | France | Czechia |
| Founded | Not confirmed | 1907 |
| Support channels | Help centre, Phone | Email, Phone, Chat |
Business insurance
| Fact | AXA | ERGO |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Employers liability | Public liability, Professional indemnity, Property |
| Indemnity limit | £5,000,000 | CZK 100,000,000 |
| Industries | SMEs, sole traders, self-employed | Travel, tourism, business travel, entrepreneurs, self-employed |
Where each stands against the rest
| Fact | AXA | ERGO | Median |
|---|---|---|---|
| Excess from | Not confirmed | €150above the median | €50 |
Median across 71 listed insurance providers.
Pros and cons
AXA
Pros
- Broad range of insurance types in one place, from auto and home to travel, dental and home emergency
- Monthly payments are available, which many insurers on the site do not offer
- Business lines cover public liability, professional indemnity and employers liability for SMEs, sole traders and the self-employed
Cons
- Premium from £275 is well above the site median of €8.37
- Support runs on help centre and phone only, so there is no listed chat or email route
ERGO
Pros
- Medical expenses cover of 100 million CZK medical expenses for single trip travel.
- Premiums start at CZK 44 for entry level trip cover.
- Claims can be made via online, phone and email.
Cons
- Excess starts at €150, which adds upfront cost to small claims.
Who each suits
AXA
Who it suits
- Households insuring a car, home, renters, landlord, van, health, dental, travel or breakdown cover with the same provider
- SMEs, sole traders and self-employed needing public liability, professional indemnity or employers liability
- Buyers comfortable paying above the typical entry price for a wide range of cover in one place
Who should look elsewhere
- Buyers chasing the lowest entry premium, since £275 sits far above €8.37
- Anyone who needs live chat or email support, as help centre and phone covers only a help centre and phone
- Good Sam Insurance Agency is worth a look for a different spread of personal types, including life and motorcycle
ERGO
Who it suits
- Adults within 18-69 seeking single trip travel cover
- Entrepreneurs and self employed travellers needing business travel protection
Who should look elsewhere
- Shoppers wanting wider personal cover beyond travel may prefer LV=, which lists auto, home and pet.
- Shoppers comparing low entry premiums may check die Bayerische, which shows €2.09.
Current offers
AXA
Current offer
First period offer
AXA MultiCar discount: Save up to 15%
when insuring another car registered at your home address
Source, checked September 26, 2026
Country by country
| Country | AXA | ERGO |
|---|---|---|
| Czechia | No | Yes |
| United Kingdom | Yes | No |
Questions about each
AXA
What is the cheapest premium AXA offers?+
Premium from £275 is the entry figure across the personal range. That sits well above the site median of €8.37, so AXA is not the low end of this market. A quote depends on your cover type and details.
Can I pay monthly rather than yearly?+
Yes, monthly payments are available across the products AXA covers here. Most brands in this comparison also offer monthly payments, so it is a common feature rather than a reason to pick one provider over another.
ERGO
What does ERGO travel cover cost at entry level?+
Premiums for ERGO single trip travel cover start at CZK 44. The exact amount depends on destination, length of stay and chosen options. The starting figure helps compare entry cost before reviewing limits and excess.
What medical cover limit does ERGO provide for travel?+
ERGO provides medical expenses cover of 100 million CZK medical expenses for its single trip travel product. That limit applies to medical costs abroad under the policy terms. Travellers should check how the limit fits destination healthcare costs and planned activities.