Updated September 29, 2026 · AssureCue Editorial Team
DZI vs KS Auxilia
DZI vs KS Auxilia: the differences
| Compare |  DZI |  KS Auxilia |
|---|---|---|
| Premium from | €5Lower | €5.04 |
| Insurance types | Auto, Home, Life, Health, Travel, Breakdown, Home emergency | Legal expenses, Breakdown |
| Cover limit | Travel medical expenses limit EUR 5,000 to 50,000 | Unlimited |
| Claims channels | Phone, Online portal, Offices and service centres, Email | Online, Phone, Email, Chat |
| Age range | 16 to 69 years | 18+ |
| Excess from | Not confirmed | €0 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Founded is lower at DZI: 1946 vs 1964.
- Premium from is lower at DZI: €5 vs €5.04.
- Insurance types: only DZI offers Auto, Home, Life.
- Insurance types: only KS Auxilia offers Legal expenses.
- Claims channels: only DZI offers Online portal, Offices and service centres.
- Claims channels: only KS Auxilia offers Online, Chat.
- Support channels: only DZI offers Help centre.
- Support channels: only KS Auxilia offers Chat.
Our verdict on each
DZI
DZI suits households in Bulgaria that want a single insurer for car, home, life, health and travel cover, with private health opening at €5 a month. It scores 6.2 overall, and monthly payments spread the cost, though the entry price is not among the lowest here.
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
Score breakdown
| Area | DZI | KS Auxilia |
|---|---|---|
| Cost | 9.2 | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend |
| Offer | 9.5Higher | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited |
| Trust | 9.6 | 9.6Established direct structure as insurer dating to 1964 |
Where each is licensed and available
| Country | DZI | KS Auxilia |
|---|---|---|
| Germany | Not confirmed |
Additional countries for DZI: 1. Additional countries for KS Auxilia: 1.
Positions in our rankings
| Ranking | DZI | KS Auxilia |
|---|---|---|
| Business insurance | 41 of 150 | 1 of 150 |
| Breakdown cover | 10 of 52 | 1 of 52 |
Also worth a look
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €5 for DZI and €5.04 for KS Auxilia.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | DZI | KS Auxilia |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | DZI-General Insurance | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft |
| Headquarters | Bulgaria | Germany |
| Founded | 1946Lower | 1964 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone |
Business insurance
| Fact | DZI | KS Auxilia |
|---|---|---|
| Cover types | Public liability, Professional indemnity, Property | Not confirmed |
| Industries | Not confirmed | Private households, trades, medical professions, farmers, companies |
Where each stands against the rest
| Fact | DZI | KS Auxilia | Median |
|---|---|---|---|
| Premium from | €5below the median | €5.04below the median | €5.97 |
| Excess from | Not confirmed | €0below the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
DZI
Pros
- Private health cover starts at €5 a month, under the site median of €8.37
- Monthly payments are available, so the premium runs on the monthly model rather than as a single lump sum
- Cover spans auto, home and life, letting a single insurer handle motor, property, life, health and travel
Cons
- The starting premium ranks at position 93 of the 252 brands compared, so the entry price sits above the lowest figures on the list
- Support runs on phone, email and help centre only, with no live messaging route listed for quick questions
- The personal range stops at auto, home and life, with no pet or motorcycle cover
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
Who each suits
DZI
Who it suits
- Households in Bulgaria that want car, home and health cover from a single insurer
- Adults who prefer monthly premiums to a single annual payment
- Travellers who want the medical limit set by the insurer at Travel medical expenses limit EUR 5,000 to 50,000
Who should look elsewhere
- Readers who want pet or motorcycle cover, since Good Sam Insurance Agency lists those lines in auto, home and renters
- Small businesses needing employers liability, as public liability, professional indemnity and property stops at public liability, professional indemnity and property
- Shoppers after a free starting price, since bunq shows €0
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
Country by country
| Country | DZI | KS Auxilia |
|---|---|---|
| Bulgaria | Yes | No |
| Germany | No | Yes |
Questions about each
DZI
What does private health cover cost at DZI?+
Health cover starts at €5 a month. That is the opening premium for the policy, and the site median for starting prices is €8.37, with an upper quartile of €29.72. A quote based on your own age, cover and risk will usually sit above the entry figure.
Can I pay the premium monthly?+
Yes. Monthly payments are available and the payment model is monthly, so the premium is collected in instalments across the year rather than as a single payment. That suits households with a tight monthly budget, and it holds the entry health premium at €5 a month for the starting policy.
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
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