Updated September 28, 2026 · AssureCue Editorial Team

ERGO Group Deutschland vs Income Insurance

ERGO Group Deutschland scores 9.4 and Income Insurance 9.4 out of 10. Compare their differences and shared features below.

ERGO Group Deutschland

9.4/10

Facts checked September 26, 2026.

Income Insurance

9.4/10

Facts checked September 26, 2026.

Where ERGO Group Deutschland and Income Insurance differ

ERGO Group Deutschland vs Income Insurance
Compare
ERGO Group DeutschlandERGO Group Deutschland
ReviewVisitVisit
Income InsuranceIncome Insurance
ReviewVisitVisit
Premium from€3.90SGD 0.60
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionAuto, Home, Life, Health, Travel, Pet, Motorcycle
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance)
Claims channelsOnline, PhonePhone, Email, Online form, Mobile app, Customer portal
Age rangeUnder 36 (13% start bonus for young people)Pet insured must be at least 16 weeks old and below 9 years old at policy start
Monthly paymentsYesNot confirmed
Excess fromNot confirmedSGD 250

Same on both: Provider type (Insurer).

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Key differences

  • Insurance types: only ERGO Group Deutschland offers Dental, Income protection.
  • Insurance types: only Income Insurance offers Pet.
  • Claims channels: only ERGO Group Deutschland offers Online.
  • Claims channels: only Income Insurance offers Email, Online form, Mobile app.
  • Support channels: only ERGO Group Deutschland offers Chat.
  • Support channels: only Income Insurance 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.

Read the full ERGO Group Deutschland review

Income Insurance

Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.

Read the full Income Insurance review

Score breakdown

ERGO Group Deutschland vs Income Insurance
AreaERGO Group DeutschlandIncome Insurance
Cost9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available.9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250.
Offer9.19.6Higher
Trust9.6Higher9.5

What each covers

ERGO Group Deutschland vs Income Insurance
Insurance typesERGO Group DeutschlandIncome Insurance
AutoYesYes
HomeYesYes
LifeYesYes
HealthYesYes
TravelYesYes
PetNoYes
MotorcycleYesYes
DentalYesNo
Income protectionYesNo

Where they rank in our lists

ERGO Group Deutschland vs Income Insurance
RankingERGO Group DeutschlandIncome Insurance
Car insurance7 of 3938 of 393
Home insurance6 of 2727 of 272
Life insurance5 of 2616 of 261
Health insurance6 of 2157 of 215
Travel insurance10 of 29111 of 291
Business insurance8 of 1509 of 150
Motorbike insurance4 of 1205 of 120

Where each is licensed and available

ERGO Group Deutschland vs Income Insurance
CountryERGO Group DeutschlandIncome Insurance
GermanyNot confirmed

Additional countries for ERGO Group Deutschland: 1. Additional countries for Income Insurance: 1.

Every fact side by side

ERGO Group Deutschland vs Income Insurance
FactERGO Group DeutschlandIncome Insurance
AudienceNot confirmedSeniors
Pricing modelMonthlyNot confirmed
Legal entityERGO Group AGIncome Insurance Limited
HeadquartersGermanySingapore
FoundedNot confirmed1970
Support channelsEmail, Chat, PhonePhone, Email, Help centre

Business insurance

ERGO Group Deutschland vs Income Insurance
FactERGO Group DeutschlandIncome Insurance
Cover typesPublic liability, Cyber, PropertyProfessional indemnity

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

Income Insurance

Pros

  • A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
  • Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
  • Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.

Cons

  • The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
  • The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
  • The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.

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

Income Insurance

Who it suits

  • Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
  • Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
  • Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.

Who should look elsewhere

  • Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
  • Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
  • Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.

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

Income Insurance

Current offer

  • Discount code

    Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$

    Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app

    Source, checked September 26, 2026

  • Bonus

    Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium

    Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider

    Source, checked September 26, 2026

Country by country

ERGO Group Deutschland vs Income Insurance
CountryERGO Group DeutschlandIncome Insurance
GermanyYesNo
SingaporeNoYes

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.

Income Insurance

How much does cover start at?+

Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.

Is there an excess to pay on a claim?+

On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.

Other options to compare

Other matchups

ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.4/10Visit

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