Updated September 28, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs Getsafe
ERGO Group Deutschland vs Getsafe: the differences
| Compare |  ERGO Group Deutschland |  Getsafe |
|---|---|---|
| Premium from | €3.90 | €2.90Lower |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Home, Dental, Life, Health, Travel, Pet, Income protection |
| Provider type | Insurer | Broker |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Up to 4x the official German vet fee rate |
| Claims channels | Online, Phone | App, Phone, Chat |
| Excess from | Not confirmed | €0 |
| Age range | Under 36 (13% start bonus for young people) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 9.1.
- Getsafe is available in 1 more country.
- Premium from is lower at Getsafe: €2.90 vs €3.90.
- Insurance types: only ERGO Group Deutschland offers Auto, Motorcycle.
- Insurance types: only Getsafe offers Pet.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only Getsafe offers App, Chat.
- Support channels: only Getsafe offers Help centre.
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.
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Score breakdown
| Area | ERGO Group Deutschland | Getsafe |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. |
| Offer | 9.1 | 9.5Higher |
| Trust | 9.6Higher | 8.6 |
Positions in our rankings
| Ranking | ERGO Group Deutschland | Getsafe |
|---|---|---|
| Home insurance | 6 of 272 | 18 of 272 |
| Life insurance | 5 of 261 | 14 of 261 |
| Health insurance | 6 of 215 | 18 of 215 |
| Travel insurance | 10 of 291 | 26 of 291 |
| Income protection insurance | 2 of 92 | 4 of 92 |
| Dental insurance | 4 of 50 | 8 of 50 |
Feature by feature
| Insurance types | ERGO Group Deutschland | Getsafe |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | Yes |
| Income protection | Yes | Yes |
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €3.90 for ERGO Group Deutschland and €2.90 for Getsafe.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | ERGO Group Deutschland | Getsafe |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | ERGO Group AG | Getsafe Digital GmbH |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Chat, Phone | Email, Phone, Chat, Help centreCovers more |
Business insurance
| Fact | ERGO Group Deutschland | Getsafe |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Getsafe | Median |
|---|---|---|---|
| Premium from | €3.90below the median | €2.90below the median | €5.97 |
| Excess from | Not confirmed | €0below the median | €70 |
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
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
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 | Getsafe |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | 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.
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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