Updated September 28, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs Porto Seguro
ERGO Group Deutschland vs Porto Seguro: the differences
| Compare |  ERGO Group Deutschland |  Porto Seguro |
|---|---|---|
| Premium from | €3.90 | R$19.90 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Gadget |
| Claims channels | Online, Phone | Mobile app, Whatsapp, Phone, Email |
| Age range | Under 36 (13% start bonus for young people) | Policy holder over 18 for phone insurance (Seguro Celular) |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Porto Seguro scores higher overall: 9.5 vs 9.4.
- Insurance types: only ERGO Group Deutschland offers Dental, Income protection.
- Insurance types: only Porto Seguro offers Pet, Gadget.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only Porto Seguro offers Mobile app, Whatsapp, Email.
- Support channels: only Porto Seguro 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.
Porto Seguro
Porto Seguro suits Brazilian households and small companies that want a single insurer across car, home, life, health, travel, pet, motorcycle and gadget cover, all on monthly payments. It scores 7.3 overall, and the pricing runs monthly so household budgeting stays predictable.
Score breakdown
| Area | ERGO Group Deutschland | Porto Seguro |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 9.3Starting premium is BRL 19.90, the site median is €8.37, and Porto ranks 67 of 252 brands on it. |
| Offer | 9.1 | 9.7Higher |
| Trust | 9.6 | 9.6 |
Positions in our rankings
| Ranking | ERGO Group Deutschland | Porto Seguro |
|---|---|---|
| Car insurance | 7 of 393 | 61 of 393 |
| Home insurance | 6 of 272 | 44 of 272 |
| Life insurance | 5 of 261 | 36 of 261 |
| Health insurance | 6 of 215 | 37 of 215 |
| Travel insurance | 10 of 291 | 72 of 291 |
| Business insurance | 8 of 150 | 34 of 150 |
| Motorbike insurance | 4 of 120 | 24 of 120 |
| Public liability insurance | 4 of 51 | 13 of 51 |
Feature by feature
| Insurance types | ERGO Group Deutschland | Porto Seguro |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | No | Yes |
Every fact side by side
| Fact | ERGO Group Deutschland | Porto Seguro |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ERGO Group AG | Porto Seguro Cia. de Seguros Gerais |
| Headquarters | Germany | Brazil |
| Founded | Not confirmed | 1945 |
| Support channels | Email, Chat, Phone | Phone, Chat, Help centre, EmailCovers more |
Business insurance
| Fact | ERGO Group Deutschland | Porto Seguro |
|---|---|---|
| Cover types | Public liability, Cyber, PropertyCovers more | Public liability, Property |
| Industries | Not confirmed | transport, agribusiness, events, rental |
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
Porto Seguro
Pros
- A single insurer covers auto, home and life, so a household can keep its personal policies with one provider.
- Claims open through mobile app, whatsapp and phone, which gives more routes into a claim than a phone line alone.
- Support runs on phone, chat and help centre, so policy questions go to a phone line, a chat window, a help centre or email.
Cons
- Business cover stops at public liability and property, so a company after cyber or professional indemnity lines has to look elsewhere.
- Pricing is monthly only, per monthly, so there is no annual route that could bring the cost down.
- Phone insurance is limited to adult policy holders, so a younger person cannot take that policy out in their own name.
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
Porto Seguro
Who it suits
- Households that want auto, home and life from a single Brazilian insurer, and do not need the renters policies Good Sam Insurance Agency lists in auto, home and renters.
- Motorcycle riders and gadget owners: both sit inside auto, home and life, while the list at Good Sam Insurance Agency (auto, home and renters) runs to motorcycle without gadget cover.
- Small companies in transport, agribusiness, events, rental that need public liability and property, lines that sit outside the personal list at Good Sam Insurance Agency (auto, home and renters).
Who should look elsewhere
- Renters, because that cover sits with Good Sam Insurance Agency in auto, home and renters rather than in auto, home and life.
- Readers chasing a free starting premium, since bunq's is €0.
- Businesses after cyber or professional indemnity cover, since public liability and property reaches public liability and property only. A second quote is worth taking, for example from EuroAsia Insurance, whose starting premium is UZS 60,000.
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
Porto Seguro
Current offer
Discount code
Seguro Viagem cupom VIAGEM35: 35% OFF with coupon VIAGEM35 plus 5% OFF paying with Cartão Porto Bank (up to 40% OFF)
Use coupon VIAGEM35 and pay with the Porto Bank credit card; see page conditions
Source, checked September 26, 2026
Discount code
Seguro Auto com ate 15% OFF no cartao Porto Bank: up to 15% OFF on Seguro Auto, payable in up to 12x without interest
Contract online with the Porto Bank credit card
Source, checked September 26, 2026
Discount code
Seguro Celular com ate 10% OFF: 5% for Porto clients plus 5% paying with the Cartão Porto (up to 10% OFF)
5% applies to Porto customers, 5% to payment with the Porto card; see page conditions
Source, checked September 26, 2026
Discount code
Petlove Saude desconto mensal com Cartão Porto Bank: 10% off the monthly fee with the Cartão Porto Bank (2% extra on annual Pix or boleto)
Monthly payment billed to the Cartão Porto Bank; annual option 10% off
Source, checked September 26, 2026
Bonus
Promocao Porto te leva ao GP 26: chance of a pair of tickets to the Formula 1 MSC Cruises Grande Premio de Sao Paulo 2026
Download the App Porto and register; promotion page maisbeneficios.portoseguro.com.br
Source, checked September 26, 2026
Country by country
| Country | ERGO Group Deutschland | Porto Seguro |
|---|---|---|
| Brazil | No | Yes |
| Germany | Yes | No |
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.
Porto Seguro
How much does Porto Seguro cost to start?+
Porto Seguro lists a starting premium of BRL 19.90, and monthly payments are available so the cost is spread across the year rather than paid as a lump sum. The listed pricing model is monthly, so budgeting follows a regular cycle. That figure sits at the entry point of the range rather than covering every level of cover.
Is Porto Seguro an insurer or a broker?+
It is an insurer, and the legal entity behind the policies is Porto Seguro Cia. de Seguros Gerais. That distinction matters for readers weighing where money rests, because an insurer holds the premium and carries the risk itself rather than handing it to another provider. Policies are written with the same company that would pay the claim.
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