Updated September 29, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs HelloSafe (Atlas)
What sets them apart
| Compare |  ERGO Group Deutschland |  HelloSafe (Atlas) |
|---|---|---|
| Premium from | €3.90Lower | €9 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Travel |
| Provider type | Insurer | Broker |
| Monthly payments | YesHas it | No |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Emergency medical expenses EUR 500,000 - 2,500,000 |
| Claims channels | Online, Phone | Phone, Email, Chat |
| Age range | Under 36 (13% start bonus for young people) | All ages, every nationality |
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Premium from is lower at ERGO Group Deutschland: €3.90 vs €9.
- Monthly payments: only ERGO Group Deutschland.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only HelloSafe (Atlas) offers Email, Chat.
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.
HelloSafe (Atlas)
HelloSafe suits expats seeking dedicated travel cover with broad eligibility described as All ages, every nationality and clear broker status for careful comparison. Entry premiums of €9 make starting costs easy to compare for travellers weighing medical protection of Emergency medical expenses EUR 500,000 - 2,500,000 against price before buying cover online.
Score breakdown
| Area | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| Cost | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 8.5Entry premiums of €9 keep starting costs modest for travel buyers. |
| Offer | 9.1Higher | 8.9Cover spans Emergency medical expenses EUR 500,000 - 2,500,000 while eligibility stays broad with All ages, every nationality. |
| Trust | 9.6Higher | 8.5Broker model disclosed as broker with ORIAS registration 21008038. |
Licences and countries
| Country | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| France | Not confirmed | ORIAS 21008038 |
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for HelloSafe (Atlas): 27.
Side by side, item by item
| Insurance types | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| 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 |
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €3.90 for ERGO Group Deutschland and €9 for HelloSafe (Atlas).
HanseMerkur Reiseversicherung AT reviewSources behind this comparison
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
HelloSafe (Atlas)
- hellosafe.com: 8 facts, checked September 29, 2026
How they place
| Ranking | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| Travel insurance | 10 of 291 | 7 of 291 |
Every fact side by side
| Fact | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| Audience | Not confirmed | Expats |
| 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 | HelloSafe (Atlas) |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | HelloSafe (Atlas) | Median |
|---|---|---|---|
| Premium from | €3.90below the median | €9above the median | €5.97 |
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
HelloSafe (Atlas)
Pros
- Dedicated travel focus through travel for trip led buyers
- Emergency medical limits of Emergency medical expenses EUR 500,000 - 2,500,000 for care cost protection
- Broad eligibility described as All ages, every nationality for varied travellers
Cons
- Entry premiums of €9 sit above TravelSecure premiums of €5 for buyers comparing starting prices
- Broker setup as broker means cover is arranged through partner insurers with intermediated service and claims handling
- Travel focus through travel gives limited choice for buyers wanting bundled home or health cover alongside travel
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
HelloSafe (Atlas)
Who it suits
- Expats who prefer HelloSafe over TravelSecure for travel cover with All ages, every nationality
- Travellers valuing high medical limits who prefer HelloSafe over AXA for limits of Emergency medical expenses EUR 500,000 - 2,500,000
Who should look elsewhere
- Travellers who need monthly instalments may prefer AXA over HelloSafe because Monthly payments has value no
- Buyers seeking cover beyond travel may prefer MyPhysicianPlan over HelloSafe because HelloSafe lists travel only
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 | HelloSafe (Atlas) |
|---|---|---|
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 28 countries where either is available.
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.
HelloSafe (Atlas)
How much does HelloSafe travel cover start from?+
Entry premiums are listed as €9. The exact amount payable varies with destination, duration, age and selected limits, so travellers should compare quotes on matching trip details and review included benefits before buying cover online with care.
Is HelloSafe an insurer or a broker?+
HelloSafe acts as broker, which means it arranges cover provided by partner insurers rather than carrying insurance risk itself. ORIAS registration 21008038 identifies its French broker registration for buyers checking status and documents.
Other options to compare
ERGO Group Deutschland vs Income InsuranceHelloSafe (Atlas) vs Income Insurance
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ERGO Group Deutschland vs MyPhysicianPlanHelloSafe (Atlas) vs MyPhysicianPlan
HanseMerkur Reiseversicherung AT
ERGO Group Deutschland vs HanseMerkur Reiseversicherung ATHelloSafe (Atlas) vs HanseMerkur Reiseversicherung AT
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