Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs Nationale-Nederlanden life PL
Barmenia vs Nationale-Nederlanden life PL: the differences
| Compare |  Barmenia | Nationale-Nederlanden life PL ReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €2.40 | PLN 39 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Life, Health, Critical illness, Income protection, Home, Renters, Travel |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | up to over PLN 1,000,000 |
| Claims channels | Online claims form, Phone, Email, Customer portal | Online claim form, Customer zone Moje NN, Advisor or branch, Infoline, E delivery |
| Age range | Any age (dog surgery cover) | 3 months to 71 years |
| 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
- Barmenia scores higher overall: 9.4 vs 9.3.
- Founded is lower at Barmenia: 1904 vs 1994.
- Insurance types: only Barmenia offers Auto, Pet, Motorcycle.
- Claims channels: only Barmenia offers Online claims form, Phone, Email.
- Claims channels: only Nationale-Nederlanden life PL offers Online claim form, Customer zone Moje NN, Advisor or branch.
- 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).
Nationale-Nederlanden life PL
Nationale-Nederlanden life PL suits Polish households and individuals who want protection cover from a long-standing insurer rather than a broker. Life cover limits are listed as up to over PLN 1,000,000, the company has traded since 1994, and claims can be started online, in the customer zone or with an advisor.
Score breakdown
| Area | Barmenia | Nationale-Nederlanden life PL |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.0 |
| Offer | 9.6Higher | 9.3 |
| Trust | 9.7Higher | 9.4 |
Where they rank in our lists
| Ranking | Barmenia | Nationale-Nederlanden life PL |
|---|---|---|
| Home insurance | 54 of 273 | 78 of 273 |
| Renters and contents insurance | 18 of 78 | 27 of 78 |
| Life insurance | 50 of 263 | 78 of 263 |
| Health insurance | 43 of 216 | 67 of 216 |
| Travel insurance | 83 of 295 | 104 of 295 |
| Business insurance | 40 of 147 | 60 of 147 |
| Income protection insurance | 14 of 92 | 30 of 92 |
| Critical illness cover | 13 of 65 | 21 of 65 |
Every fact side by side
| Fact | Barmenia | Nationale-Nederlanden life PL |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | Nationale-Nederlanden Towarzystwo Ubezpieczen na Zycie S.A. |
| Headquarters | Germany | Poland |
| Founded | 1904Lower | 1994 |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | Barmenia | Nationale-Nederlanden life PL | 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.
Nationale-Nederlanden life PL
Pros
- Monthly payments are available, so the premium is spread through the year rather than settled at the start.
- The range runs from life and health cover to home, renters and travel, as set out under life, health and critical illness.
- Claims can be started through online claim form, customer zone Moje NN and advisor or branch, so a claim does not have to go through a single channel.
Cons
- The starting premium of PLN 39 sits well above the middle of the site range, and the brand ranks 134 of 252 on starting premium.
- Support runs on phone and help centre only, so day-to-day help is limited to phone and the help centre.
- The payment model is monthly, with no annual or single payment 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.
Nationale-Nederlanden life PL
Who it suits
- People in Poland who want personal and property cover from a direct insurer headquartered in Poland.
- Families from a newborn's first months to later life, since entry ages run 3 months to 71 years.
- Anyone who wants a named counterparty: the legal entity is Nationale-Nederlanden Towarzystwo Ubezpieczen na Zycie S.A., supervised in Poland by the Komisja Nadzoru Finansowego (KNF).
Who should look elsewhere
- Hiscox UK, whose lines listed under home, renters and landlord are built around home, renters, landlord, auto and home emergency rather than life and health.
- Good Sam Insurance Agency, which also covers pet and motorcycle under auto, home and renters and suits readers who want those lines.
- Euroasia Insurance, quoted from UZS 60,000, if you are weighing cover outside Poland in a different market and currency.
Country by country
| Country | Barmenia | Nationale-Nederlanden life PL |
|---|---|---|
| Germany | Yes | No |
| Poland | 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.
Nationale-Nederlanden life PL
What is the starting premium?+
Policies start at PLN 39 with monthly payments available. The brand ranks 134 of 252 on starting premium, and the middle of the site range sits at €8.37, so the entry price is toward the dearer end of the market shown.
Who regulates this insurer?+
Nationale-Nederlanden life PL is an insurer, not a broker, and it is supervised in Poland by the Komisja Nadzoru Finansowego (KNF). The legal entity named is Nationale-Nederlanden Towarzystwo Ubezpieczen na Zycie S.A., which has traded since 1994.
Other options to compare
Other matchups
- Barmenia vs Zilveren Kruis
- Barmenia vs DZI
- Barmenia vs Porto Seguro
- Barmenia vs ROLAND-Rechtsschutz
- Barmenia vs APRIL International
- Barmenia vs Oney Préstamos ES
- Barmenia vs Principal
- Barmenia vs Guardian1821
- Barmenia vs Legal & General
- Barmenia vs Aviva
- Barmenia vs die Bayerische
- Barmenia vs Allianz Lebensversicherungs-AG
- Barmenia vs HanseMerkur Reiseversicherung AT
- Barmenia vs HanseMerkur
- Barmenia vs CosmosDirekt
- Barmenia vs Max Life Insurance
- Barmenia vs TIPINSURE
- Barmenia vs Acko
- Barmenia vs Getsafe
- Barmenia vs MoneyHero
- Barmenia vs Alior