Updated September 30, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs TravelSecure
What sets them apart
| Compare |  ERGO Group Deutschland |  TravelSecure |
|---|---|---|
| Premium from | €3.90Lower | €5 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Travel |
| Monthly payments | YesHas it | No |
| Claims channels | Online, Phone | Online, Email |
| Excess from | Not confirmed | €25 |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Not confirmed |
| Age range | Under 36 (13% start bonus for young people) | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 9.0.
- Premium from is lower at ERGO Group Deutschland: €3.90 vs €5.
- Monthly payments: only ERGO Group Deutschland.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only ERGO Group Deutschland offers Phone.
- Claims channels: only TravelSecure offers Email.
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.
TravelSecure
TravelSecure suits seniors planning travel cover through an insurer structure with direct underwriting and phone based help. Premiums start at €5 with excess at €25 and Monthly payments unavailable, so you pay per trip or per term in full before you travel.
Score breakdown
| Area | ERGO Group Deutschland | TravelSecure |
|---|---|---|
| Cost | 9.3HigherPremiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 8.8Starting premiums at €5 keep entry costs modest for travel cover. |
| Offer | 9.1Higher | 8.4Focused travel cover through insurer keeps the offer narrow and clear. |
| Trust | 9.6 | 9.6Direct insurer status through insurer supports trust in claims handling. |
What each covers
| Insurance types | ERGO Group Deutschland | TravelSecure |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
Sources behind this comparison
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
TravelSecure
- travelsecure.de: 7 facts, checked September 29, 2026
How they place
| Ranking | ERGO Group Deutschland | TravelSecure |
|---|---|---|
| Travel insurance | 10 of 291 | 6 of 291 |
Every fact side by side
| Fact | ERGO Group Deutschland | TravelSecure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Support channels | Email, Chat, Phone | Not confirmed |
Business insurance
| Fact | ERGO Group Deutschland | TravelSecure |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | TravelSecure | Median |
|---|---|---|---|
| Premium from | €3.90below the median | €5below the median | €5.97 |
| Excess from | Not confirmed | €25below 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
TravelSecure
Pros
- Premiums start at €5, which keeps entry pricing accessible for travel cover.
- Excess starts at €25, giving a clear retention figure before you commit.
- Insurer status through insurer keeps underwriting and claims under the same carrier.
Cons
- Monthly payments are unavailable, so you cannot spread costs across the term.
- Cover centres on travel, so you cannot bundle other household risks in the same place.
- Support runs on phone and help centre only, so you cannot use live chat or email for help.
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
TravelSecure
Who it suits
- Seniors who want dedicated travel cover with phone support and clear starting premiums.
- Travellers who prefer an insurer model and are comfortable paying the term in full.
Who should look elsewhere
- Travellers who want to spread costs should consider AXA, as Monthly payments are unavailable with TravelSecure.
- Travellers who want intermediary choice should consider Explorer Travel Insurance, as TravelSecure acts as an insurer rather than a broker.
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 | TravelSecure |
|---|---|---|
| Germany | Yes | 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.
TravelSecure
What does TravelSecure travel cover cost to start?+
Premiums start at €5 for travel cover, with excess at €25. Monthly payments are unavailable, so you pay for the selected term in full. Check the chosen tariff before you commit, as the payable amount varies with trip length and options.
How does the excess work on a claim?+
Excess starts at €25 on the relevant travel tariff. You carry that share of each valid claim, while the insurer carries the balance under the terms. Review the excess that applies to cancellation, medical and baggage sections before you buy.
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