Updated September 28, 2026 · AssureCue Editorial Team
AXA vs kautionsfrei.de
Where AXA and kautionsfrei.de differ
| Compare |  AXA |  kautionsfrei.de |
|---|---|---|
| Premium from | £275 | €4.17 |
| Insurance types | Auto, Home, Renters, Landlord, Van, Health, Dental, Travel, Breakdown, Home emergencyCovers more | Renters |
| Provider type | Insurer | Broker |
| Claims channels | Phone, Online | Email, Fax, Post |
| Cover limit | Not confirmed | 50,000 EUR |
| Age range | Not confirmed | 18+ |
Same on both: Monthly payments (Yes).
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Key differences
- AXA scores higher overall: 9.1 vs 9.0.
- Insurance types: only AXA offers Auto, Home, Landlord.
- Claims channels: only AXA offers Phone, Online.
- Claims channels: only kautionsfrei.de offers Email, Fax, Post.
- Support channels: only kautionsfrei.de offers Chat, Email.
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.
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.
Score breakdown
| Area | AXA | kautionsfrei.de |
|---|---|---|
| Cost | 8.6Premium from £275 sits far above the site median of €8.37, ranking 245 of 252. | 9.2HigherEntry price of €4.17 sits under the site median of €8.37, ranking 80 of 252. |
| Offer | 8.9 | 9.0Higher |
| Trust | 9.6Higher | 8.7 |
Where each is licensed and available
| Country | AXA | kautionsfrei.de |
|---|---|---|
| Germany | Not confirmed |
Additional countries for AXA: 1. Additional countries for kautionsfrei.de: 1.
Where they rank in our lists
| Ranking | AXA | kautionsfrei.de |
|---|---|---|
| Home insurance | 2 of 272 | 19 of 272 |
| Renters and contents insurance | 1 of 78 | 5 of 78 |
Side by side, item by item
| Insurance types | AXA | kautionsfrei.de |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Renters | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Van | Yes | No |
| Breakdown | Yes | No |
| Landlord | Yes | No |
| Dental | Yes | No |
| Home emergency | Yes | No |
What we checked
AXA
- axa.co.uk: 5 facts, checked September 26, 2026
- axa.com: 2 facts, checked September 26, 2026
- ukstartupblog.co.uk: 1 fact, checked September 26, 2026
kautionsfrei.de
- kautionsfrei.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | AXA | kautionsfrei.de |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | AXA SA | plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806) |
| Headquarters | France | Germany |
| Founded | Not confirmed | 2009 |
| Support channels | Help centre, Phone | Phone, Chat, Email, Help centreCovers more |
Business insurance
| Fact | AXA | kautionsfrei.de |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Employers liability | Not confirmed |
| Indemnity limit | £5,000,000 | Not confirmed |
| Industries | SMEs, sole traders, self-employed | Not confirmed |
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
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
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
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
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
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
| Country | AXA | kautionsfrei.de |
|---|---|---|
| Germany | 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.
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.
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