Updated September 29, 2026 · AssureCue Editorial Team

ERGO Group Deutschland vs KS Auxilia

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

ERGO Group Deutschland

9.4/10

Facts checked September 26, 2026.

KS Auxilia

9.4/10

Facts checked September 29, 2026.

What sets them apart

ERGO Group Deutschland vs KS Auxilia
Compare
ERGO Group DeutschlandERGO Group Deutschland
ReviewVisitVisit
KS AuxiliaKS Auxilia
ReviewVisitVisit
Premium from€3.90Lower€5.04
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionLegal expenses, Breakdown
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)Unlimited
Claims channelsOnline, PhoneOnline, Phone, Email, ChatCovers more
Age rangeUnder 36 (13% start bonus for young people)18+
Excess fromNot confirmed€0

Same on both: Provider type (Insurer), Monthly payments (Yes).

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

  • Premium from is lower at ERGO Group Deutschland: €3.90 vs €5.04.
  • Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
  • Insurance types: only KS Auxilia offers Legal expenses, Breakdown.
  • Claims channels: only KS Auxilia 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.

Read the full ERGO Group Deutschland review

KS Auxilia

KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.

Read the full KS Auxilia review

Score breakdown

ERGO Group Deutschland vs KS Auxilia
AreaERGO Group DeutschlandKS Auxilia
Cost9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available.9.3Modest starting point shown by €5.04 with €0 easing initial spend
Offer9.19.2HigherNarrow motor legal focus through legal expenses and breakdown capped by Unlimited
Trust9.69.6Established direct structure as insurer dating to 1964

Choosing between them

Pick ERGO Group Deutschland if premium from matter most.

Pick KS Auxilia if claims channels matter most.

Also worth a look

HanseMerkur Reiseversicherung AT has premium from at €1.50, against €3.90 for ERGO Group Deutschland and €5.04 for KS Auxilia.

HanseMerkur Reiseversicherung AT review

Where these facts come from

ERGO Group Deutschland

  • ergo.de: 10 facts, checked September 26, 2026
  • ergo.com: 1 fact, checked September 26, 2026

KS Auxilia

  • ks-auxilia.de: 14 facts, checked September 29, 2026

How they place

ERGO Group Deutschland vs KS Auxilia
RankingERGO Group DeutschlandKS Auxilia
Business insurance8 of 1511 of 151

Every fact side by side

ERGO Group Deutschland vs KS Auxilia
FactERGO Group DeutschlandKS Auxilia
AudienceNot confirmedSeniors
Pricing modelMonthlyMonthly
Legal entityERGO Group AGAUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft
HeadquartersGermanyGermany
FoundedNot confirmed1964
Support channelsEmail, Chat, PhoneEmail, Chat, Phone

Business insurance

ERGO Group Deutschland vs KS Auxilia
FactERGO Group DeutschlandKS Auxilia
Cover typesPublic liability, Cyber, PropertyNot confirmed
IndustriesNot confirmedPrivate households, trades, medical professions, farmers, companies

Where each stands against the rest

ERGO Group Deutschland vs KS Auxilia
FactERGO Group DeutschlandKS AuxiliaMedian
Premium from€3.90below the median€5.04below the median€5.97
Excess fromNot 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

KS Auxilia

Pros

  • Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
  • Entry premium is €5.04 with monthly payments available, helping you spread costs
  • Excess is €0, so covered traffic claims carry free excess at point of claim

Cons

  • Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
  • Support runs on email, chat and phone only, which may feel limited if you value help centre resources
  • Eligibility centres on adults within 18+, which rules out younger household members seeking cover

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

KS Auxilia

Who it suits

  • Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
  • Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
  • Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route

Who should look elsewhere

  • Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
  • Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure

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

ERGO Group Deutschland vs KS Auxilia
CountryERGO Group DeutschlandKS Auxilia
GermanyYesYes

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.

KS Auxilia

How much does KS Auxilia cover cost to start?+

Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.

What excess applies to a claim?+

Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.

Other options to compare

Other matchups

ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.4/10Visit

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