Updated September 29, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs Explorer Travel Insurance
Where ERGO Group Deutschland and Explorer Travel Insurance differ
| Compare |  ERGO Group Deutschland |  Explorer Travel Insurance |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Travel |
| Provider type | Insurer | Broker |
| Claims channels | Online, Phone | Phone, Email |
| Age range | Under 36 (13% start bonus for young people) | Single trip no max; annual to 79 |
| Premium from | €3.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | £0 |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Not confirmed |
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 8.9.
- Explorer Travel Insurance is available in 3 more countries.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only Explorer Travel Insurance offers Email.
Our verdict on each
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.
Explorer Travel Insurance
Explorer Travel Insurance suits holidaymakers seeking dedicated travel cover with clear age terms covering Single trip no max; annual to 79 and claims support across phone and email. Backed as a broker model with excess at £0, it records an overall rating of 8.9 among travel focused providers on this site.
Score breakdown
| Area | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 9.6HigherExcess sits at £0 which supports low extra cost at claim stage. |
| Offer | 9.1Higher | 8.4Cover stays centred on travel across travel with defined age terms. |
| Trust | 9.6Higher | 8.7Broker status is stated as broker under licence 583108. |
Side by side, item by item
| Insurance types | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
Choosing between them
Pick ERGO Group Deutschland if offer, trust, and insurance types matter most.
Pick Explorer Travel Insurance if cost matter most.
Where each is licensed and available
| Country | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 583108 |
Additional countries for ERGO Group Deutschland: 1. Additional countries for Explorer Travel Insurance: 4.
Where they rank in our lists
| Ranking | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Travel insurance | 10 of 291 | 5 of 291 |
Sources behind this comparison
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
Explorer Travel Insurance
- explorerinsurance.co.uk: 5 facts, checked September 29, 2026
Every fact side by side
| Fact | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Support channels | Email, Chat, Phone | Not confirmed |
Business insurance
| Fact | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Explorer Travel Insurance | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €5.97 |
| Excess from | Not confirmed | £0below the median | £25 |
Median across 109 listed insurance providers.
Pros and cons
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
Explorer Travel Insurance
Pros
- Excess is shown as £0, which keeps small claims from being eroded by a large retained amount.
- Cover is dedicated to travel, which suits travellers who value a focused travel range over bundled lines.
- Claims contact spans phone and email, giving you both phone and email routes when you need help abroad.
Cons
- Range stays limited to travel so households wanting bundled home or motor cover may look elsewhere.
- Support runs on email and phone only, so travellers who prefer live chat or help centre contact may find choice narrow.
- Annual cover carries age terms noted in Single trip no max; annual to 79, so older travellers seeking yearly cover should check limits closely.
Who each suits
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
Explorer Travel Insurance
Who it suits
- Frequent holidaymakers who want travel only protection may choose Explorer Travel Insurance over AXA because cover stays on travel rather than a wide household panel.
- Mature single trip travellers who value phone help may choose Explorer Travel Insurance over MyPhysicianPlan because support spans email and phone with age terms set out in Single trip no max; annual to 79.
Who should look elsewhere
- Travellers wanting bundled car, home and health cover in a single place may prefer AXA because Explorer Travel Insurance covers travel only across travel.
- Travellers who want direct insurer placement may prefer TravelSecure because Explorer Travel Insurance acts as broker rather than insurer.
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 | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Germany | Yes | No |
| Guernsey | No | Yes |
| Isle of Man | No | Yes |
| Jersey | No | Yes |
| United Kingdom | No | Yes |
Questions about each
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.
Explorer Travel Insurance
What excess applies to Explorer Travel Insurance?+
Excess is listed as £0, which reads as free at the point shown. Your final premium will still vary by trip length, destination, age and options chosen, so review the quote summary before payment.
Does Explorer Travel Insurance cover anything besides travel?+
Insurance types are shown as travel. That focus suits travellers who want a dedicated travel provider rather than a bundled household insurer, though you will need separate arrangements for other lines.
Other options to compare
ERGO Group Deutschland vs Income InsuranceExplorer Travel Insurance vs Income Insurance
ERGO Group Deutschland vs WorldTripsExplorer Travel Insurance vs WorldTrips
HanseMerkur Reiseversicherung AT
ERGO Group Deutschland vs HanseMerkur Reiseversicherung ATExplorer Travel Insurance vs HanseMerkur Reiseversicherung AT
Other matchups
- ERGO Group Deutschland vs Income Insurance
- ERGO Group Deutschland vs WorldTrips
- ERGO Group Deutschland vs die Bayerische
- ERGO Group Deutschland vs Principal
- ERGO Group Deutschland vs Allianz Lebensversicherungs-AG
- ERGO Group Deutschland vs Aviva
- ERGO Group Deutschland vs Barmenia
- ERGO Group Deutschland vs Guardian1821
- ERGO Group Deutschland vs Hiscox UK
- ERGO Group Deutschland vs Porto Seguro
- ERGO Group Deutschland vs KS Auxilia
- ERGO Group Deutschland vs MyPhysicianPlan
- ERGO Group Deutschland vs Polizza Vita con Bonus
- ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
- Explorer Travel Insurance vs HanseMerkur
- ERGO Group Deutschland vs Linxea
- ERGO Group Deutschland vs HelloSafe (Atlas)
- ERGO Group Deutschland vs MSIG Insurance (Thailand)
- ERGO Group Deutschland vs TIPINSURE
- ERGO Group Deutschland vs Vuso UA
- ERGO Group Deutschland vs Lemonade
- ERGO Group Deutschland vs Compass
- ERGO Group Deutschland vs Acko
- ERGO Group Deutschland vs YouSet
- ERGO Group Deutschland vs BizCover (Australia)