Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs ROLAND-Rechtsschutz
What sets them apart
| Compare |  Barmenia |  ROLAND-Rechtsschutz |
|---|---|---|
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergency | Auto, Renters, Landlord |
| Excess from | €250 | €0Lower |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | Unlimited sum insured (Deckungssumme unbegrenzt) in all tariffs |
| Claims channels | Online claims form, Phone, Email, Customer portal | Phone, Online |
| Premium from | €2.40 | Not confirmed |
| Age range | Any age (dog surgery cover) | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at Barmenia: 1904 vs 1957.
- ROLAND-Rechtsschutz is available in 2 more countries.
- Excess from is lower at ROLAND-Rechtsschutz: €0 vs €250.
- Insurance types: only Barmenia offers Home, Life, Health.
- Insurance types: only ROLAND-Rechtsschutz offers Landlord.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only ROLAND-Rechtsschutz offers Online.
- Support channels: only ROLAND-Rechtsschutz 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).
ROLAND-Rechtsschutz
ROLAND-Rechtsschutz suits households that want legal expenses cover with an unlimited sum insured and no excess, and monthly payments are available so the premium is spread across the year rather than paid in full up front. It scores 8.1 overall, with cost at 8.1.
Score breakdown
| Area | Barmenia | ROLAND-Rechtsschutz |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.4HigherThe excess starts at €0 and monthly payments are available, so payouts are not cut by an upfront deduction. |
| Offer | 9.6Higher | 9.0 |
| Trust | 9.7Higher | 9.6 |
Positions in our rankings
| Ranking | Barmenia | ROLAND-Rechtsschutz |
|---|---|---|
| Car insurance | 69 of 375 | 80 of 375 |
| Home insurance | 54 of 273 | 64 of 273 |
| Renters and contents insurance | 18 of 78 | 21 of 78 |
| Business insurance | 40 of 147 | 49 of 147 |
Side by side, item by item
| Insurance types | Barmenia | ROLAND-Rechtsschutz |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Renters | Yes | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Landlord | No | Yes |
| Dental | Yes | No |
| Critical illness | Yes | No |
| Income protection | Yes | No |
| Home emergency | Yes | No |
Availability and regulation
| Country | Barmenia | ROLAND-Rechtsschutz |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for ROLAND-Rechtsschutz: 2.
What we checked
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
ROLAND-Rechtsschutz
- roland-rechtsschutz.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Barmenia | ROLAND-Rechtsschutz |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | ROLAND Rechtsschutz-Versicherungs-AG |
| Headquarters | Germany | Germany |
| Founded | 1904Lower | 1957 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Barmenia | ROLAND-Rechtsschutz | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | Not confirmed | €6.02 |
| Excess from | €250highest quarter | €0below the median | €50 |
Median across 116 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.
ROLAND-Rechtsschutz
Pros
- The cover limit is unlimited in all tariffs, so a legal bill is not held back by a fixed cap.
- The excess starts at €0, so a claim is not reduced by an upfront payment from your own pocket.
- Monthly payments are available, spreading the premium rather than demanding the full sum up front.
Cons
- Cover sits within auto, renters and landlord, so you would need another insurer for travel, life or health protection.
- The stated audience is seniors, which narrows the marketing focus to older customers.
- Claims start through phone and online, a shorter set than the email, chat and phone offered for day to day questions, so a claim and a general enquiry follow different routes.
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.
ROLAND-Rechtsschutz
Who it suits
- Households wanting legal expenses cover with an unlimited sum insured.
- Anyone who prefers a monthly premium to a single annual charge.
- People who want to deal with the insurer itself rather than a broker.
Who should look elsewhere
- Travellers after travel or pet cover, which Hiscox UK and Good Sam Insurance Agency list.
- Holders wanting many personal lines under one roof, since Good Sam Insurance Agency lists auto, home and renters.
- Anyone buying outside Germany, since this insurer is registered there as ROLAND Rechtsschutz-Versicherungs-AG.
Country by country
| Country | Barmenia | ROLAND-Rechtsschutz |
|---|---|---|
| Austria | No | Yes |
| Italy | No | Yes |
| 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.
ROLAND-Rechtsschutz
What does the unlimited cover limit mean for a legal expenses claim?+
The cover limit is unlimited in all tariffs, so the sum insured does not place a fixed ceiling on a legal costs bill, whatever line the case falls under in auto, renters and landlord. That matters when a dispute runs long, because a capped policy would pay out only to its limit. Ask for the wording of your chosen tariff to see what counts as covered.
Is there an excess to pay if I make a claim?+
The excess starts at €0, so there is no upfront payment from your own pocket. A valid claim is therefore not reduced by an excess. Check the wording of your tariff, since terms can differ between the legal expenses element and any other lines you hold.
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