Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs Porto Seguro
What sets them apart
| Compare |  Barmenia |  Porto Seguro |
|---|---|---|
| Premium from | €2.40 | R$19.90 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergency | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Gadget |
| Claims channels | Online claims form, Phone, Email, Customer portal | Mobile app, Whatsapp, Phone, Email |
| Age range | Any age (dog surgery cover) | Policy holder over 18 for phone insurance (Seguro Celular) |
| 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
- Porto Seguro scores higher overall: 9.5 vs 9.4.
- Founded is lower at Barmenia: 1904 vs 1945.
- Insurance types: only Barmenia offers Renters, Dental, Critical illness.
- Insurance types: only Porto Seguro offers Gadget.
- Claims channels: only Barmenia offers Online claims form, Customer portal.
- Claims channels: only Porto Seguro offers Mobile app, Whatsapp.
- Support channels: only Porto Seguro 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).
Porto Seguro
Porto Seguro suits Brazilian households and small companies that want a single insurer across car, home, life, health, travel, pet, motorcycle and gadget cover, all on monthly payments. It scores 7.3 overall, and the pricing runs monthly so household budgeting stays predictable.
Score breakdown
| Area | Barmenia | Porto Seguro |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.3HigherStarting premium is BRL 19.90, the site median is €8.37, and Porto ranks 67 of 252 brands on it. |
| Offer | 9.6 | 9.7Higher |
| Trust | 9.7Higher | 9.6 |
Where each is licensed and available
| Country | Barmenia | Porto Seguro |
|---|---|---|
| Brazil | Not confirmed |
Additional countries for Barmenia: 1. Additional countries for Porto Seguro: 1.
What each covers
| Insurance types | Barmenia | Porto Seguro |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | No |
| Critical illness | Yes | No |
| Income protection | Yes | No |
| Gadget | No | Yes |
| Home emergency | Yes | No |
Where these facts come from
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
Porto Seguro
- portoseguro.com.br: 10 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
How they place
| Ranking | Barmenia | Porto Seguro |
|---|---|---|
| Car insurance | 69 of 375 | 63 of 375 |
| Home insurance | 54 of 273 | 47 of 273 |
| Life insurance | 50 of 263 | 41 of 263 |
| Health insurance | 43 of 216 | 37 of 216 |
| Travel insurance | 83 of 295 | 79 of 295 |
| Pet insurance | 40 of 167 | 36 of 167 |
| Business insurance | 40 of 147 | 35 of 147 |
| Motorbike insurance | 27 of 120 | 25 of 120 |
Every fact side by side
| Fact | Barmenia | Porto Seguro |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | Porto Seguro Cia. de Seguros Gerais |
| Headquarters | Germany | Brazil |
| Founded | 1904Lower | 1945 |
| Support channels | Phone, Email, Help centre | Phone, Chat, Help centre, EmailCovers more |
Business insurance
| Fact | Barmenia | Porto Seguro |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
| Industries | Not confirmed | transport, agribusiness, events, rental |
Where each stands against the rest
| Fact | Barmenia | Porto Seguro | 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.
Porto Seguro
Pros
- A single insurer covers auto, home and life, so a household can keep its personal policies with one provider.
- Claims open through mobile app, whatsapp and phone, which gives more routes into a claim than a phone line alone.
- Support runs on phone, chat and help centre, so policy questions go to a phone line, a chat window, a help centre or email.
Cons
- Business cover stops at public liability and property, so a company after cyber or professional indemnity lines has to look elsewhere.
- Pricing is monthly only, per monthly, so there is no annual route that could bring the cost down.
- Phone insurance is limited to adult policy holders, so a younger person cannot take that policy out in their own name.
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.
Porto Seguro
Who it suits
- Households that want auto, home and life from a single Brazilian insurer, and do not need the renters policies Good Sam Insurance Agency lists in auto, home and renters.
- Motorcycle riders and gadget owners: both sit inside auto, home and life, while the list at Good Sam Insurance Agency (auto, home and renters) runs to motorcycle without gadget cover.
- Small companies in transport, agribusiness, events, rental that need public liability and property, lines that sit outside the personal list at Good Sam Insurance Agency (auto, home and renters).
Who should look elsewhere
- Renters, because that cover sits with Good Sam Insurance Agency in auto, home and renters rather than in auto, home and life.
- Readers chasing a free starting premium, since bunq's is €0.
- Businesses after cyber or professional indemnity cover, since public liability and property reaches public liability and property only. A second quote is worth taking, for example from EuroAsia Insurance, whose starting premium is UZS 60,000.
Current offers
Porto Seguro
Current offer
Discount code
Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)
Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions
Source, checked September 26, 2026
Discount code
Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest
Contract online with the Porto Bank credit card
Source, checked September 26, 2026
Discount code
Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)
5% applies to Porto customers, 5% to payment with the Porto card; see page conditions
Source, checked September 26, 2026
Discount code
Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)
Monthly payment billed to the Cartão Porto Bank; annual option 10% off
Source, checked September 26, 2026
Bonus
Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026
Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br
Source, checked September 26, 2026
Country by country
| Country | Barmenia | Porto Seguro |
|---|---|---|
| Brazil | 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.
Porto Seguro
How much does Porto Seguro cost to start?+
Porto Seguro lists a starting premium of BRL 19.90, and monthly payments are available so the cost is spread across the year rather than paid as a lump sum. The listed pricing model is monthly, so budgeting follows a regular cycle. That figure sits at the entry point of the range rather than covering every level of cover.
Is Porto Seguro an insurer or a broker?+
It is an insurer, and the legal entity behind the policies is Porto Seguro Cia. de Seguros Gerais. That distinction matters for readers weighing where money rests, because an insurer holds the premium and carries the risk itself rather than handing it to another provider. Policies are written with the same company that would pay the claim.
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