ERGO Group Deutschland review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
One insurer for personal lines, paid monthly, at a starting price below the site median.
Premium from
€3.90 (Source, checked September 26, 2026)
Insurance types
Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income-protection (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Cover limit
31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) (Source, checked September 26, 2026)
Claims channels
Online, Phone (Source, checked September 26, 2026)
Age range
Under 36 (13% start bonus for young people) (Source, checked September 26, 2026)
Legal entity
ERGO Group AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
ergo.de

Business insurance

Provider type
Insurer (Source, checked September 26, 2026)
Cover types
Public-liability, Cyber, Property (Source, checked September 26, 2026)
Premium from
€3.90 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Legal entity
ERGO Group AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
Wikidatayoutube.com

Pros and cons

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
  • Cover spans auto, home and life under one legal entity, ERGO Group AG

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
  • Business cover is limited to public liability, cyber and property, so a company needing professional or employers liability looks elsewhere
ERGO Group Deutschland

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Scored 9.4 / 10 by AssureCue.

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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

Cover and limits

ERGO Group Deutschland writes eight personal lines: auto, home and life. That range is wider than what some insurers in the same comparison carry, and it means a household can keep motor, home and health policies with the same provider rather than splitting the family across separate insurers. The worked example behind the starting price is a Smart home policy, a contents cover for a small flat. The cover limit shown for that example is modest and is tied to one property size, so it is a guide rather than a promise for a larger home. Ask for a quote that matches your own floor area before you read anything into the headline number. Pricing by age is a factor here. The age band given is Under 36 (13% start bonus for young people). Younger applicants get a discount on that product, and the published entry price sits inside that band rather than applying to every applicant.

Price signals

The entry price is €3.90 on the Smart home policy, and the site median for this field is €8.37. The lower quartile across the site is €2.92 and the upper quartile is €29.72, so the starting figure sits in the cheaper part of the range. It is also near the car insurance lower quartile of €3.90. How the money leaves your account matters as much as the amount. Monthly payments are available, so the cost spreads across the year instead of arriving as one sum. A monthly schedule can smooth cash flow, though it also means you keep an active arrangement rather than a single paid policy. Two cautions on the headline figure. It belongs to one specific home product, and a different home, a different driver or a different level of cover will price differently. Read it as the floor of the range, not as a quote.

The company behind it

The contract is with ERGO Group AG, based in Germany. You are dealing with the insurer itself, not a comparison site or a broker wrapper, which keeps the accountability for a claim in one place. That company appears in the IHK für München und Oberbayern register, the Vermittlerregister run by the DIHK Gemeinsame Stelle under the German trade rules, under entry D-GUZL-9MVR8-34. The register is where intermediaries in Germany are recorded, and its presence lets you check the entry yourself before you commit. Day to day contact runs on email, chat and phone, so chat, email and phone are all open routes for a question or a claim. Claims can be started online and phone, which narrows the reporting to online and phone. A single insurer with several lines and three support routes is a practical fit for a family that would rather not juggle separate providers.

How ERGO Group Deutschland compares

Where ERGO Group Deutschland is available

Available
Germany
Licence in Germany
IHK für München und Oberbayern / Vermittlerregister (DIHK, Gemeinsame Stelle nach § 11a Abs. 1 GewO) (D-GUZL-9MVR8-34), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What kinds of insurance does this insurer write?+

It covers auto, home and life. That is a broad personal book, spanning motor, property, life, health, travel, motorbike, dental and income protection. For business needs it also lists public liability, cyber and property.

Who am I actually contracting with?+

Your contract is with ERGO Group AG, an insurer based in Germany. You deal with the insurer directly rather than through a comparison site or an intermediary, so the party answerable for a claim is the same party that issues the policy.

Is the provider regulated and registered?+

The company appears in the IHK für München und Oberbayern Vermittlerregister, the shared register of the DIHK, under entry D-GUZL-9MVR8-34. That is the register where German intermediaries are recorded, and the entry can be checked there.

How do I reach help when something goes wrong?+

Support runs on email, chat and phone, so chat, email and phone are all open. Claims can be reported online and phone, which means online or phone. Having a phone route matters most for a claim, while chat suits quick policy questions.

Does the entry price apply to my age?+

Not necessarily. The age band given is Under 36 (13% start bonus for young people), and the starting premium belongs to that group. If you fall outside it, the quote will price differently, so treat €3.90 as the floor of the range rather than your own premium.

Is this the right insurer for a small business?+

It depends on the line. Business cover listed here is public liability, cyber and property, which suits firms needing public liability, cyber or property. If you need professional indemnity or employers liability, the listed business lines do not extend that far, so a specialist may suit better.

Sources

  • ergo.com/de/unternehmen/ueber-ergo checked September 26, 2026

    Backs: Provider type

  • ergo.de checked September 26, 2026

    Backs: Claims channels, Insurance types, Support channels

    “Kfz (Autoversicherung, Motorradversicherung), Hausrat & Gebäude, Reise, Zahnzusatzversicherung, Risikolebensversicherung, Berufsunfähigkeitsversicherung, Krankenversicherung”

  • ergo.de checked September 26, 2026

    Backs: Cover types

    “vom Gebaude bis zur Haftpflicht; ERGO Cyber Versicherungen”

  • ergo.de/de/Produkte/Hausrat-und-Gebaeudeversicherung/Haus... checked September 26, 2026

    Backs: Age range, Cover limit, Pricing model, Monthly payments, Premium from

    “31.200 € Versicherungssumme”

  • ergo.de/de/Service/Anbieter checked September 26, 2026

    Backs: Headquarters, Legal entity

  • vermittlerregister.info checked September 26, 2026

    Backs: Licences

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

ERGO Group Deutschland

ERGO Group Deutschland

One insurer for personal lines, paid monthly, at a starting price below the site median.

9.4/10Visit

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