Updated September 28, 2026 · AssureCue Editorial Team
Compass vs ERGO Group Deutschland
Compass vs ERGO Group Deutschland: the differences
| Compare |  Compass |  ERGO Group Deutschland |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, Pet | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, Post | Online, Phone |
| Age range | 18+ (resident in Italy) | Under 36 (13% start bonus for young people) |
| Premium from | Not confirmed | €3.90 |
| Cover limit | Not confirmed | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
Same on both: Monthly payments (Yes).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 9.2.
- Insurance types: only Compass offers Home emergency, Pet.
- Insurance types: only ERGO Group Deutschland offers Auto, Life, Motorcycle.
- Claims channels: only Compass offers Email, Online portal, Post.
- Claims channels: only ERGO Group Deutschland offers Online.
- Support channels: only Compass offers Help centre.
- Support channels: only ERGO Group Deutschland offers Chat.
Our verdict on each
Compass
Compass is a broker rather than an insurer, so it places home, health, travel and pet cover with providers instead of carrying the risk itself. It suits residents in Italy who want monthly payments and a single point of contact, and it has traded since 1960.
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 | Compass | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.1 | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. |
| Offer | 9.3Higher | 9.1 |
| Trust | 9.2 | 9.6Higher |
Where they rank in our lists
| Ranking | Compass | ERGO Group Deutschland |
|---|---|---|
| Home insurance | 13 of 272 | 6 of 272 |
| Health insurance | 14 of 215 | 6 of 215 |
| Travel insurance | 19 of 291 | 10 of 291 |
What each covers
| Insurance types | Compass | ERGO Group Deutschland |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | No | Yes |
| Dental | No | Yes |
| Income protection | No | Yes |
| Home emergency | Yes | No |
Availability and regulation
| Country | Compass | ERGO Group Deutschland |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Compass: 1. Additional countries for ERGO Group Deutschland: 1.
Sources behind this comparison
Compass
- compass.it: 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
Every fact side by side
| Fact | Compass | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Compass Banca S.p.A. | ERGO Group AG |
| Headquarters | Italy | Germany |
| Founded | 1960 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone |
Business insurance
| Fact | Compass | ERGO Group Deutschland |
|---|---|---|
| Cover types | Not confirmed | Public liability, Cyber, Property |
Where each stands against the rest
| Fact | Compass | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | Not confirmed | €3.90below the median | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
Compass
Pros
- A single broker handles home, home emergency, health, travel and pet, listed under home, home emergency and health.
- Monthly payments are available, and monthly is the payment model, so the premium is spread across the year.
- Claims can be raised by phone, email, the online portal or post, as phone, email and online portal shows.
Cons
- The broker structure means the policy is underwritten elsewhere rather than by Compass, which is the limit of broker.
- General support runs on phone, email and help centre, while claims use the wider set in phone, email and online portal, so customers need to pick the right desk.
- Eligibility follows 18+ (resident in Italy), so the broker works with Italian residents rather than households spread across other markets.
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
Compass
Who it suits
- Adults resident in Italy who want home, health, travel and pet policies arranged through the same desk.
- Households that would rather spread the premium across the month, since monthly payments are available.
- People who want claims raised by phone, email, the online portal or post, as phone, email and online portal allows.
Who should look elsewhere
- Good Sam Insurance Agency, whose auto, home and renters adds life and motorcycle cover, suits people who want those lines alongside home and pet.
- Hiscox UK, listed for home, renters and landlord, is the pick for anyone focused on home, renters and landlord cover rather than a mixed personal policy.
- EuroAsia Insurance, listed for auto, home and travel, fits drivers and gadget owners better, while Compass concentrates on home, health, travel and pet.
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 | Compass | ERGO Group Deutschland |
|---|---|---|
| Germany | No | Yes |
| Italy | Yes | No |
Questions about each
Compass
What kind of company is Compass?+
Compass is a broker, so it arranges cover with insurers rather than underwriting the policies itself. The name sits under Compass Banca S.p.A., based in Italy. Households deal with a single contact, and the policy is issued by the insurer chosen for each line of cover.
Can I pay monthly?+
Monthly payments are available on the policies Compass places, with monthly as the payment model. The premium is spread across the year instead of being asked for in a single payment, which suits households that budget month by month.
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.
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