Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs ERGO Group Deutschland
Where CHECK24 and ERGO Group Deutschland differ
| Compare |  CHECK24 |  ERGO Group Deutschland |
|---|---|---|
| Premium from | €0.69Lower | €3.90 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online, Phone |
| Monthly payments | Not confirmed | Yes |
| Age range | Not confirmed | Under 36 (13% start bonus for young people) |
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
- ERGO Group Deutschland scores higher overall: 9.4 vs 9.3.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €3.90.
- Insurance types: only CHECK24 offers Pet, Gadget.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only ERGO Group Deutschland offers Online, Phone.
- Support channels: only CHECK24 offers Help centre.
Our verdict on each
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
ERGO Group Deutschland
ERGO Group Deutschland suits people who want one insurer for home, car and health cover, with premiums starting at €3.90 on a home policy. The support mix and monthly payment option make the account easy to run, and the price sits below the site median of €8.37.
Score breakdown
| Area | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 9.6Higher | 9.1 |
| Trust | 8.6 | 9.6Higher |
Feature by feature
| Insurance types | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | Yes |
| Dental | Yes | Yes |
| Income protection | Yes | Yes |
| Gadget | Yes | No |
What we checked
CHECK24
- check24.de: 10 facts, checked September 26, 2026
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
How they place
| Ranking | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Car insurance | 9 of 393 | 7 of 393 |
| Home insurance | 8 of 272 | 6 of 272 |
| Life insurance | 7 of 261 | 5 of 261 |
| Health insurance | 8 of 215 | 6 of 215 |
| Travel insurance | 13 of 291 | 10 of 291 |
| Business insurance | 10 of 150 | 8 of 150 |
| Motorbike insurance | 6 of 120 | 4 of 120 |
| Income protection insurance | 3 of 92 | 2 of 92 |
| Dental insurance | 5 of 50 | 4 of 50 |
Every fact side by side
| Fact | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | ERGO Group AG |
| Headquarters | Germany | Germany |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Chat, Phone |
Business insurance
| Fact | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Cover types | Not confirmed | Public liability, Cyber, Property |
Where each stands against the rest
| Fact | CHECK24 | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €3.90below the median | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
ERGO Group Deutschland
Pros
- Premiums start at €3.90 on the Smart home policy, below the site median of €8.37
- Monthly payments are available, so the cost spreads across the year rather than landing in one bill
- Support runs on email, chat and phone, so you can reach a person on chat, email or phone
Cons
- The starting premium of €3.90 belongs to the Smart home policy for a small flat, so it reads as an entry point rather than a price for a larger home
- The age band shown is Under 36 (13% start bonus for young people), so the starting price applies to a narrower group
- Support runs on email, chat and phone only, with no branch or broker option listed
Who each suits
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
ERGO Group Deutschland
Who it suits
- Households in Germany who want home, car, health, life, travel, motorbike, dental and income protection from one insurer
- Renters or flat owners who want monthly payments instead of a single annual bill
- Small businesses that need public liability, cyber or property cover alongside personal lines
Who should look elsewhere
- Shoppers whose main need is professional or employers liability, since business cover is limited to public liability, cyber and property
- People wanting pet or renters insurance, as neither appears in auto, home and life
- Anyone who wants branch or in person service, since support runs on email, chat and phone only
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
Questions about each
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
ERGO Group Deutschland
What does ERGO Group Deutschland cost to start with?+
The published entry price is €3.90, attached to the Smart home policy. The site median for this field is €8.37, and the lower quartile is €2.92, so the starting figure sits in the cheaper part of the market range. It applies to that one home product rather than every policy.
Can I pay monthly instead of in one payment?+
Yes. Monthly payments are available, so the premium can be spread over the year rather than paid as a single sum. That is the payment model listed for this insurer, and it is the norm across the site, where 88.9% is the share of brands offering it.
Other options to compare
CHECK24 vs Income InsuranceERGO Group Deutschland vs Income Insurance
CHECK24 vs MyPhysicianPlanERGO Group Deutschland vs MyPhysicianPlan
HanseMerkur Reiseversicherung AT
CHECK24 vs HanseMerkur Reiseversicherung ATERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
CHECK24 vs HelloSafe (Atlas)ERGO Group Deutschland vs HelloSafe (Atlas)
CHECK24 vs MSIG Insurance (Thailand)ERGO Group Deutschland vs MSIG Insurance (Thailand)
Other matchups
- CHECK24 vs Income Insurance
- CHECK24 vs WorldTrips
- CHECK24 vs die Bayerische
- CHECK24 vs Principal
- CHECK24 vs ARAG
- CHECK24 vs Allianz Lebensversicherungs-AG
- CHECK24 vs Aviva
- CHECK24 vs Barmenia
- CHECK24 vs Guardian1821
- ERGO Group Deutschland vs Hiscox UK
- ERGO Group Deutschland vs Porto Seguro
- CHECK24 vs KS Auxilia
- CHECK24 vs MyPhysicianPlan
- ERGO Group Deutschland vs Polizza Vita con Bonus
- CHECK24 vs HanseMerkur Reiseversicherung AT
- CHECK24 vs HanseMerkur
- CHECK24 vs Linxea
- ERGO Group Deutschland vs Explorer Travel Insurance
- CHECK24 vs HelloSafe (Atlas)
- CHECK24 vs MSIG Insurance (Thailand)
- CHECK24 vs TIPINSURE
- CHECK24 vs Vuso UA
- CHECK24 vs Lemonade
- ERGO Group Deutschland vs Compass
- CHECK24 vs Acko
- CHECK24 vs DirectAsia
- CHECK24 vs YouSet
- CHECK24 vs WAS Insurance
- ERGO Group Deutschland vs BizCover (Australia)