Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs Oney Préstamos ES
What sets them apart
| Compare |  Barmenia |  Oney Préstamos ES |
|---|---|---|
| Premium from | €2.40Lower | €1,000 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergency | Health, Life, Gadget |
| Provider type | Insurer | Broker |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | Up to 45,000 EUR |
| Claims channels | Online claims form, Phone, Email, Customer portal | Help centre |
| Age range | Any age (dog surgery cover) | Of legal age only |
| Excess from | €250 | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Barmenia scores higher overall: 9.4 vs 8.7.
- Premium from is lower at Barmenia: €2.40 vs €1,000.
- Insurance types: only Barmenia offers Auto, Home, Renters.
- Insurance types: only Oney Préstamos ES offers Gadget.
- Claims channels: only Barmenia offers Online claims form, Phone, Email.
- Claims channels: only Oney Préstamos ES offers Help centre.
- Support channels: only Barmenia offers Email.
- Support channels: only Oney Préstamos ES offers Chat, Community.
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).
Oney Préstamos ES
Oney Préstamos ES is a Spanish broker offering health, life and gadget cover, with monthly payments and support by phone, chat, a help centre and a community, which suits readers who want protection in a single place. Its starting premium of €1,000 sits well above cheaper rivals such as Linxea at €25.
Score breakdown
| Area | Barmenia | Oney Préstamos ES |
|---|---|---|
| Cost | 9.0HigherPremium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 8.6 |
| Offer | 9.6Higher | 8.9 |
| Trust | 9.7Higher | 8.8 |
Availability and regulation
| Country | Barmenia | Oney Préstamos ES |
|---|---|---|
| Spain | Not confirmed | Banco de España 8.814 |
Additional countries for Barmenia: 1. Additional countries for Oney Préstamos ES: 1.
Sources behind this comparison
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Barmenia | Oney Préstamos ES |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Germany | Spain |
| Founded | 1904 | Not confirmed |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre, Community |
Where each stands against the rest
| Fact | Barmenia | Oney Préstamos ES | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | €1,000highest quarter | €6.06 |
| Excess from | €250highest quarter | Not confirmed | €50 |
Median across 117 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.
Oney Préstamos ES
Pros
- Monthly payments are available, so the premium is spread across the year rather than settled in a single sum.
- Support runs on phone, chat and help centre, so phone and chat sit alongside a help centre and a community.
- The firm is named and supervised: Oney Servicios Financieros E.F.C., S.A.U holds a Banco de España authorisation, 8.814.
Cons
- The starting premium of €1,000 sits well above €25 at Linxea, so price on its own points elsewhere.
- The range is health, life and gadget, narrower than auto, home and renters at Good Sam Insurance Agency.
- Claims run through help centre only, so a claim is handled in the help centre rather than on a claims line.
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.
Oney Préstamos ES
Who it suits
- People in Spain who meet the age rule, Of legal age only, and want a health or life policy billed monthly.
- Readers who value a real support desk, given phone, chat and help centre covers phone and chat as well as the help centre.
- Holders of an exposure that fits inside Up to 45,000 EUR and who can live with the health, life and gadget range.
Who should look elsewhere
- Shoppers on a tight budget: Linxea starts at €25 and bonus.ch lists CHF 0 at the other end.
- Readers wanting a wide set of policies gathered in one place: Good Sam Insurance Agency lists auto, home and renters against Oney's health, life and gadget.
- Anyone insuring something large: cover stops at Up to 45,000 EUR.
Current offers
Oney Préstamos ES
Current offer
Bonus
Ahorrar es fácil - reimbursement on Alcampo card purchases: Up to 100 EUR per year
Plan "Ahorrar es fácil", only for purchases paid with the Oney Alcampo card in Alcampo centres
Source, checked September 26, 2026
Country by country
| Country | Barmenia | Oney Préstamos ES |
|---|---|---|
| Germany | Yes | No |
| Spain | 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.
Oney Préstamos ES
How much does cover start at?+
Cover starts at a premium of €1,000, and monthly payments are available, so the charge is spread rather than settled upfront. Linxea lists €25 as its starting point and bonus.ch lists CHF 0, so Oney sits well above the cheaper end of the market on the entry figure.
Is Oney Préstamos ES regulated?+
The operation sits with Oney Servicios Financieros E.F.C., S.A.U, a broker registered in Spain, and it is authorised by Banco de España under 8.814. The authorisation means the firm answers to a named supervisor in Spain, although it arranges policies rather than writing the risk itself, since it is a broker.
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