Updated September 28, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs Principal
ERGO Group Deutschland vs Principal: the differences
| Compare |  ERGO Group Deutschland |  Principal |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Dental, Life, Critical illness, Income protection |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Dental annual maximum typically $1,000 to $2,000 per year |
| Claims channels | Online, Phone | Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims |
| Age range | Under 36 (13% start bonus for young people) | Member, spouse and dependents to age 26 |
| Premium from | €3.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- Principal scores higher overall: 9.5 vs 9.4.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Health.
- Insurance types: only Principal offers Critical illness.
- Claims channels: only ERGO Group Deutschland offers Online, Phone.
- Claims channels: only Principal offers Dentist files the claim on the member's behalf (preferred), Member submits their own claim, Online account or mobile app to view claims.
- Support channels: only ERGO Group Deutschland offers Chat.
- Support channels: only Principal 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.
Principal
Principal suits anyone whose cover comes through work and who wants dental cover alongside life, critical illness and income protection from the same insurer. It has traded as an insurer since 1879, claims can be filed by the dentist, and dental benefits cap at Dental annual maximum typically $1,000 to $2,000 per year.
Score breakdown
| Area | ERGO Group Deutschland | Principal |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | Not confirmed |
| Offer | 9.1 | 9.1 |
| Trust | 9.6 | 9.7Higher |
Feature by feature
| Insurance types | ERGO Group Deutschland | Principal |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | Yes |
| Critical illness | No | Yes |
| Income protection | Yes | Yes |
Licences and countries
| Country | ERGO Group Deutschland | Principal |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for Principal: 1.
How they place
| Ranking | ERGO Group Deutschland | Principal |
|---|---|---|
| Life insurance | 5 of 261 | 37 of 261 |
| Health insurance | 6 of 215 | 37 of 215 |
| Income protection insurance | 2 of 92 | 8 of 92 |
| Dental insurance | 4 of 50 | 13 of 50 |
Every fact side by side
| Fact | ERGO Group Deutschland | Principal |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | Principal Life Insurance Company |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 1879 |
| Support channels | Email, Chat, Phone | Phone, Email, Help centre |
Business insurance
| Fact | ERGO Group Deutschland | Principal |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Principal | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €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
Principal
Pros
- Cover spans dental, life and critical illness, so dental sits with life, critical illness and income protection under the same carrier.
- Dentists file on the member's behalf as the preferred route, listed in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- Support runs on phone, email and help centre, so a phone line and a help centre back the plan.
Cons
- Cover is limited to Member, spouse and dependents to age 26, so it ends when a dependent leaves that band.
- Dental benefits stop at Dental annual maximum typically $1,000 to $2,000 per year, leaving heavy treatment years to the member's own pocket.
- Support runs on phone, email and help centre only, with no live chat or branch counter listed.
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
Principal
Who it suits
- Members on an employer benefits package who want dental cover alongside life, critical illness or income protection.
- Households happy to let the dentist file, the preferred route in dentist files the claim on the member's behalf (preferred), member submits their own claim and online account or mobile app to view claims.
- US employees and their families, since the insurer is based in the United States.
Who should look elsewhere
- Linxea, whose list is life, leaves a member who wants dental without a dental line.
- Oney, which lists health, life and gadget and adds gadget cover rather than employer benefits.
- Good Sam Insurance Agency, whose auto, home and renters spread suits someone bundling home, auto and pet cover.
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 | Principal |
|---|---|---|
| Germany | Yes | No |
| United States | No | 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.
Principal
What kinds of cover does Principal write?+
Principal's listed lines are dental, life and critical illness. Dental is usually reached through a workplace benefits package, while life, critical illness and income protection sit alongside it under the same carrier. The type list shows quickly whether the whole package comes from the same provider.
How much does the dental plan pay out each year?+
The published dental annual maximum typically sits at Dental annual maximum typically $1,000 to $2,000 per year, so that cap is the figure to plan around. Budgeting for crowns, bridges or other restorative work means checking your share once the maximum is reached. The figure sits inside a typical range, so plans within the same group can differ.
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