Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs ERGO Group Deutschland
Barmenia vs ERGO Group Deutschland: the differences
| Compare |  Barmenia |  ERGO Group Deutschland |
|---|---|---|
| Premium from | €2.40Lower | €3.90 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Claims channels | Online claims form, Phone, Email, Customer portal | Online, Phone |
| Age range | Any age (dog surgery cover) | Under 36 (13% start bonus for young people) |
| Excess from | €250 | Not confirmed |
Same on both: Provider type (Insurer), 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
- Premium from is lower at Barmenia: €2.40 vs €3.90.
- Insurance types: only Barmenia offers Renters, Pet, Critical illness.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only ERGO Group Deutschland offers Online.
- Support channels: only Barmenia offers Help centre.
- Support channels: only ERGO Group Deutschland offers Chat.
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).
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 | Barmenia | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 9.6Higher | 9.1 |
| Trust | 9.7Higher | 9.6 |
Positions in our rankings
| Ranking | Barmenia | ERGO Group Deutschland |
|---|---|---|
| Car insurance | 67 of 393 | 7 of 393 |
| Home insurance | 51 of 272 | 6 of 272 |
| Life insurance | 45 of 261 | 5 of 261 |
| Health insurance | 42 of 215 | 6 of 215 |
| Travel insurance | 76 of 291 | 10 of 291 |
| Business insurance | 39 of 150 | 8 of 150 |
| Motorbike insurance | 26 of 120 | 4 of 120 |
| Income protection insurance | 12 of 92 | 2 of 92 |
| Dental insurance | 16 of 50 | 4 of 50 |
Which one suits you
Pick Barmenia if offer, premium from, and insurance types matter most.
Pick ERGO Group Deutschland if cost matter most.
Where these facts come from
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Barmenia | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | ERGO Group AG |
| Headquarters | Germany | Germany |
| Founded | 1904 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone |
Business insurance
| Fact | Barmenia | ERGO Group Deutschland |
|---|---|---|
| Cover types | Not confirmed | Public liability, Cyber, Property |
Where each stands against the rest
| Fact | Barmenia | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | €3.90below the median | €5.97 |
| Excess from | €250highest quarter | Not confirmed | €70 |
Median across 109 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.
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
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.
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
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 | Barmenia | ERGO Group Deutschland |
|---|---|---|
| Germany | Yes | Yes |
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.
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.
Other options to compare
Other matchups
- ERGO Group Deutschland vs Income Insurance
- ERGO Group Deutschland vs WorldTrips
- Barmenia vs Principal
- Barmenia vs Aviva
- Barmenia vs Guardian1821
- Barmenia vs Mutual of Omaha
- Barmenia vs die Bayerische
- Barmenia vs Allianz Lebensversicherungs-AG
- ERGO Group Deutschland vs Hiscox UK
- ERGO Group Deutschland vs Porto Seguro
- ERGO Group Deutschland vs KS Auxilia
- ERGO Group Deutschland vs MyPhysicianPlan
- ERGO Group Deutschland vs Polizza Vita con Bonus
- ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
- ERGO Group Deutschland vs Linxea
- ERGO Group Deutschland vs Explorer Travel Insurance
- ERGO Group Deutschland vs TravelSecure
- ERGO Group Deutschland vs HelloSafe (Atlas)
- Barmenia vs TIPINSURE
- ERGO Group Deutschland vs MSIG Insurance (Thailand)
- ERGO Group Deutschland vs Vuso UA
- ERGO Group Deutschland vs Lemonade
- ERGO Group Deutschland vs Compass
- Barmenia vs Acko
- Barmenia vs Getsafe
- ERGO Group Deutschland vs YouSet
- Barmenia vs MoneyHero
- ERGO Group Deutschland vs BizCover (Australia)