Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs Legal & General
Where Barmenia and Legal & General differ
| Compare |  Barmenia |  Legal & General |
|---|---|---|
| Premium from | €2.40 | £5 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Life, Critical illness, Income protection |
| Claims channels | Online claims form, Phone, Email, Customer portal | Online, Phone |
| Age range | Any age (dog surgery cover) | 18-77 |
| Excess from | €250 | Not confirmed |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Barmenia scores higher overall: 9.4 vs 9.3.
- Founded is lower at Legal & General: 1836 vs 1904.
- Insurance types: only Barmenia offers Auto, Home, Renters.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only Legal & General offers Online.
- Support channels: only Barmenia offers Email.
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).
Legal & General
Legal and General is a sensible pick for UK adults who want personal protection from an established insurer rather than a broker. Life, critical illness and income protection sit with the same insurer, and premiums start at £5 on a monthly basis.
Score breakdown
| Area | Barmenia | Legal & General |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.1HigherMonthly premiums start at £5, below the €8.37 median starting price across the site. |
| Offer | 9.6Higher | 8.6 |
| Trust | 9.7 | 9.8Higher |
Licences and countries
| Country | Barmenia | Legal & General |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 117659 |
Additional countries for Barmenia: 1. Additional countries for Legal & General: 1.
Positions in our rankings
| Ranking | Barmenia | Legal & General |
|---|---|---|
| Life insurance | 50 of 263 | 76 of 263 |
| Income protection insurance | 14 of 92 | 28 of 92 |
| Critical illness cover | 13 of 65 | 20 of 65 |
Side by side, item by item
| Insurance types | Barmenia | Legal & General |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Critical illness | Yes | Yes |
| Income protection | Yes | Yes |
| Home emergency | Yes | No |
What we checked
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
Legal & General
- legalandgeneral.com: 11 facts, checked September 26, 2026
- group.legalandgeneral.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Barmenia | Legal & General |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | Legal and General Assurance Society Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 1904 | 1836Lower |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Barmenia | Legal & General | Median |
|---|---|---|---|
| Excess from | €250highest quarter | Not confirmed | €50 |
Median across 71 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.
Legal & General
Pros
- Covers life, critical illness and income protection through the same insurer, so several policies can sit with a single provider
- Authorised by the Financial Conduct Authority under 117659, and an insurer rather than a broker
- Claims can be reported through online and phone, and support runs on phone and help centre
Cons
- Support runs on phone and help centre only, so help is by phone or the help centre rather than live chat
- monthly lists monthly as the only payment model, so no annual premium option is shown
- Only life, critical illness and income protection are offered, so there is no health, home or motor cover from the same insurer
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.
Legal & General
Who it suits
- UK adults within the 18-77 age range who want life, critical illness or income protection
- People listed under the seniors audience, including older customers
- Anyone who prefers holding a policy with an insurer rather than a broker or an administrator
Who should look elsewhere
- Anyone who wants an annual premium option, since monthly lists monthly only
- Linxea, where starting premiums are €25 in a different market
- Good Sam Insurance Agency, whose auto, home and renters range centres on home, auto and travel policies rather than personal protection
Current offers
Legal & General
Current offer
Bonus
£100 gift card with Life Insurance: £100 gift card
Gift card received after you take out Life Insurance cover; restrictions apply, see the gift card terms
Source, checked September 26, 2026
Country by country
| Country | Barmenia | Legal & General |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | 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.
Legal & General
How much does Legal and General cost to start?+
Premiums start at £5 on the life insurance range, which sits below the €8.37 median across the site. Among the 244 brands ranked on life cover the median entry point is €7.95, while the upper end of that ranking starts at €25.
Can I pay monthly instead of in one lump sum?+
Yes. Monthly payments are available, and monthly is the payment model listed for the range. That means budgeting is built around a monthly outgoing that continues for the life of the policy, rather than a single annual payment set aside in advance.
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