Updated September 28, 2026 · AssureCue Editorial Team

ERGO Group Deutschland vs TIPINSURE

ERGO Group Deutschland scores 9.4 and TIPINSURE 9.3 out of 10. Compare their differences and shared features below.

ERGO Group Deutschland

9.4/10

Facts checked September 26, 2026.

TIPINSURE

9.3/10

Facts checked September 26, 2026.

ERGO Group Deutschland vs TIPINSURE: the differences

ERGO Group Deutschland vs TIPINSURE
Compare
ERGO Group DeutschlandERGO Group Deutschland
ReviewVisitVisit
TIPINSURETIPINSURE
ReviewVisitVisit
Premium from€3.90THB 699
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionAuto, Home, Travel, Health, Pet, Motorcycle, Critical illness
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)500,000 THB
Claims channelsOnline, PhonePhone, App, OnlineCovers more
Age rangeUnder 36 (13% start bonus for young people)20-60, renewable to 64

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

  • ERGO Group Deutschland scores higher overall: 9.4 vs 9.3.
  • Insurance types: only ERGO Group Deutschland offers Life, Dental, Income protection.
  • Insurance types: only TIPINSURE offers Pet, Critical illness.
  • Claims channels: only TIPINSURE offers App.
  • Support channels: only ERGO Group Deutschland offers Email.
  • Support channels: only TIPINSURE 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

TIPINSURE

TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.

Read the full TIPINSURE review

Score breakdown

ERGO Group Deutschland vs TIPINSURE
AreaERGO Group DeutschlandTIPINSURE
Cost9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available.8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252.
Offer9.19.3Higher
Trust9.69.6

Feature by feature

ERGO Group Deutschland vs TIPINSURE
Insurance typesERGO Group DeutschlandTIPINSURE
AutoYesYes
HomeYesYes
LifeYesNo
HealthYesYes
TravelYesYes
PetNoYes
MotorcycleYesYes
DentalYesNo
Critical illnessNoYes
Income protectionYesNo

Where they rank in our lists

ERGO Group Deutschland vs TIPINSURE
RankingERGO Group DeutschlandTIPINSURE
Car insurance7 of 39312 of 393
Home insurance6 of 27211 of 272
Life insurance5 of 2619 of 261
Health insurance6 of 21512 of 215
Travel insurance10 of 29116 of 291
Motorbike insurance4 of 1208 of 120

Choosing between them

Pick ERGO Group Deutschland if cost matter most.

Pick TIPINSURE if claims channels matter most.

Licences and countries

ERGO Group Deutschland vs TIPINSURE
CountryERGO Group DeutschlandTIPINSURE
GermanyNot confirmed

Additional countries for ERGO Group Deutschland: 1. Additional countries for TIPINSURE: 1.

Every fact side by side

ERGO Group Deutschland vs TIPINSURE
FactERGO Group DeutschlandTIPINSURE
Pricing modelMonthlyMonthly
Legal entityERGO Group AGTIPINSURE Public Company Limited
HeadquartersGermanyThailand
FoundedNot confirmed1951
Support channelsEmail, Chat, PhonePhone, Chat, Help centre

Business insurance

ERGO Group Deutschland vs TIPINSURE
FactERGO Group DeutschlandTIPINSURE
Cover typesPublic liability, Cyber, PropertyNot confirmed

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

TIPINSURE

Pros

  • Monthly payments are available, so cover is paid for as the policy runs
  • Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
  • Claims can be started by phone, in the app or online

Cons

  • The starting premium of THB 699 sits far above the site median of €8.37
  • Support runs on phone, chat and help centre only, with no email listed
  • Critical illness cover is capped at 500,000 THB

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

TIPINSURE

Who it suits

  • Households wanting a single monthly policy for motor, home and health cover
  • Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
  • Motorcycle and pet owners who want cover from the same insurer

Who should look elsewhere

  • Good Sam Insurance Agency, if you need life and renters cover in the same policy
  • Euroasia Insurance, if a lower starting premium matters most
  • bunq, if you are comparing banking accounts rather than 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

TIPINSURE

Current offer

  • Bonus

    TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht

    Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years

    Source, checked September 26, 2026

Country by country

ERGO Group Deutschland vs TIPINSURE
CountryERGO Group DeutschlandTIPINSURE
GermanyYesNo
ThailandNoYes

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.

TIPINSURE

What does TIPINSURE cost to start?+

The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.

How do I pay for cover?+

TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.

Other options to compare

Other matchups

ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.4/10Visit

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings