Updated September 28, 2026 · AssureCue Editorial Team
die Bayerische vs ERGO Group Deutschland
What sets them apart
| Compare |  die Bayerische |  ERGO Group Deutschland |
|---|---|---|
| Premium from | €2.09Lower | €3.90 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Claims channels | Online, Post, PhoneCovers more | Online, Phone |
| Excess from | €0 to €35 | Not confirmed |
| Age range | Not confirmed | Under 36 (13% start bonus for young people) |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.4.
- Premium from is lower at die Bayerische: €2.09 vs €3.90.
- Insurance types: only die Bayerische offers Pet, Gadget.
- Claims channels: only die Bayerische offers Post.
- Support channels: only die Bayerische offers Help centre.
Our verdict on each
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
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 | die Bayerische | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 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 | 9.7Higher | 9.6 |
How they place
| Ranking | die Bayerische | ERGO Group Deutschland |
|---|---|---|
| Car insurance | 52 of 394 | 7 of 394 |
| Home insurance | 36 of 273 | 6 of 273 |
| Life insurance | 33 of 263 | 5 of 263 |
| Health insurance | 32 of 215 | 6 of 215 |
| Travel insurance | 69 of 295 | 10 of 295 |
| Business insurance | 28 of 150 | 8 of 150 |
| Motorbike insurance | 20 of 120 | 4 of 120 |
| Income protection insurance | 6 of 92 | 2 of 92 |
| Dental insurance | 12 of 50 | 4 of 50 |
| Public liability insurance | 9 of 51 | 4 of 51 |
Feature by feature
| Insurance types | die Bayerische | 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 |
If neither fits
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.09 for die Bayerische and €3.90 for ERGO Group Deutschland.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | die Bayerische | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | ERGO Group AG |
| Headquarters | Germany | Germany |
| Founded | 1858 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Chat, Phone |
Business insurance
| Fact | die Bayerische | ERGO Group Deutschland |
|---|---|---|
| Cover types | Public liability, Property | Public liability, Cyber, PropertyCovers more |
| Industries | Retail, construction, cleaning, hospitality and health professions | Not confirmed |
Where each stands against the rest
| Fact | die Bayerische | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €3.90below the median | €5.97 |
| Excess from | €0 to €35below the median | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
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
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
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
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
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 | die Bayerische | ERGO Group Deutschland |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.
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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