Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs DZI
What sets them apart
| Compare |  Barmenia |  DZI |
|---|---|---|
| Premium from | €2.40Lower | €5 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergency | Auto, Home, Life, Health, Travel, Breakdown, Home emergency |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | Travel medical expenses limit EUR 5,000 to 50,000 |
| Claims channels | Online claims form, Phone, Email, Customer portal | Phone, Online portal, Offices and service centres, Email |
| Age range | Any age (dog surgery cover) | 16 to 69 years |
| Excess from | €250 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at Barmenia: 1904 vs 1946.
- Premium from is lower at Barmenia: €2.40 vs €5.
- Insurance types: only Barmenia offers Renters, Pet, Motorcycle.
- Insurance types: only DZI offers Breakdown.
- Claims channels: only Barmenia offers Online claims form, Customer portal.
- Claims channels: only DZI offers Online portal, Offices and service centres.
Our verdict on each
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
DZI
DZI suits households in Bulgaria that want a single insurer for car, home, life, health and travel cover, with private health opening at €5 a month. It scores 6.2 overall, and monthly payments spread the cost, though the entry price is not among the lowest here.
Score breakdown
| Area | Barmenia | DZI |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.2Higher |
| Offer | 9.6Higher | 9.5 |
| Trust | 9.7Higher | 9.6 |
What each covers
| Insurance types | Barmenia | DZI |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Breakdown | No | Yes |
| Dental | Yes | No |
| Critical illness | Yes | No |
| Income protection | Yes | No |
| Home emergency | Yes | Yes |
Where they rank in our lists
| Ranking | Barmenia | DZI |
|---|---|---|
| Car insurance | 69 of 375 | 71 of 375 |
| Home insurance | 54 of 273 | 56 of 273 |
| Life insurance | 50 of 263 | 54 of 263 |
| Health insurance | 43 of 216 | 47 of 216 |
| Travel insurance | 83 of 295 | 85 of 295 |
| Business insurance | 40 of 147 | 42 of 147 |
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.40 for Barmenia and €5 for DZI.
HanseMerkur Reiseversicherung AT reviewWhere these facts come from
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
DZI
- dzi.bg: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Barmenia | DZI |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | DZI-General Insurance |
| Headquarters | Germany | Bulgaria |
| Founded | 1904Lower | 1946 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Business insurance
| Fact | Barmenia | DZI |
|---|---|---|
| Cover types | Not confirmed | Public liability, Professional indemnity, Property |
Where each stands against the rest
| Fact | Barmenia | DZI | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | €5below the median | €6.02 |
| Excess from | €250highest quarter | Not confirmed | €50 |
Median across 116 listed insurance providers.
Pros and cons
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
DZI
Pros
- Private health cover starts at €5 a month, under the site median of €8.37
- Monthly payments are available, so the premium runs on the monthly model rather than as a single lump sum
- Cover spans auto, home and life, letting a single insurer handle motor, property, life, health and travel
Cons
- The starting premium ranks at position 93 of the 252 brands compared, so the entry price sits above the lowest figures on the list
- Support runs on phone, email and help centre only, with no live messaging route listed for quick questions
- The personal range stops at auto, home and life, with no pet or motorcycle cover
Who each suits
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
DZI
Who it suits
- Households in Bulgaria that want car, home and health cover from a single insurer
- Adults who prefer monthly premiums to a single annual payment
- Travellers who want the medical limit set by the insurer at Travel medical expenses limit EUR 5,000 to 50,000
Who should look elsewhere
- Readers who want pet or motorcycle cover, since Good Sam Insurance Agency lists those lines in auto, home and renters
- Small businesses needing employers liability, as public liability, professional indemnity and property stops at public liability, professional indemnity and property
- Shoppers after a free starting price, since bunq shows €0
Country by country
| Country | Barmenia | DZI |
|---|---|---|
| Bulgaria | No | Yes |
| Germany | Yes | No |
Questions about each
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
DZI
What does private health cover cost at DZI?+
Health cover starts at €5 a month. That is the opening premium for the policy, and the site median for starting prices is €8.37, with an upper quartile of €29.72. A quote based on your own age, cover and risk will usually sit above the entry figure.
Can I pay the premium monthly?+
Yes. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments across the year rather than as a single payment. That suits households with a tight monthly budget, and it holds the entry health premium at €5 a month for the starting policy.
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