Updated September 28, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs Vuso UA
Where ERGO Group Deutschland and Vuso UA differ
| Compare |  ERGO Group Deutschland |  Vuso UA |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Auto, Travel, Health, Home, Renters |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited) |
| Claims channels | Online, PhoneCovers more | Phone |
| Age range | Under 36 (13% start bonus for young people) | Children aged 0-3 and adults aged 60-65 (voluntary medical insurance) |
| Premium from | €3.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | €0 to €50 |
Same on both: Provider type (Insurer).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 9.3.
- Insurance types: only ERGO Group Deutschland offers Life, Motorcycle, Dental.
- Insurance types: only Vuso UA offers Renters.
- Claims channels: only ERGO Group Deutschland offers Online.
- Support channels: only Vuso UA 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.
Vuso UA
Vuso UA is a Ukrainian insurer selling personal lines directly, which suits anyone who wants auto, travel, health, home or renters cover from one provider. Its cost score sits at 8.1, and the excess starts at €0 to €50, so out-of-pocket cost is the first thing to weigh.
Score breakdown
| Area | ERGO Group Deutschland | Vuso UA |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 9.6Higher |
| Offer | 9.1 | 9.1 |
| Trust | 9.6Higher | 9.3 |
Availability and regulation
| Country | ERGO Group Deutschland | Vuso UA |
|---|---|---|
| Germany | Not confirmed | |
| Ukraine | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for Vuso UA: 1.
Where these facts come from
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
Vuso UA
- vuso.ua: 11 facts, checked September 26, 2026
How they place
| Ranking | ERGO Group Deutschland | Vuso UA |
|---|---|---|
| Car insurance | 7 of 393 | 13 of 393 |
| Home insurance | 6 of 272 | 12 of 272 |
| Health insurance | 6 of 215 | 13 of 215 |
| Travel insurance | 10 of 291 | 17 of 291 |
Every fact side by side
| Fact | ERGO Group Deutschland | Vuso UA |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | PrAT Insurance Company VUSO |
| Headquarters | Germany | Ukraine |
| Founded | Not confirmed | 2001 |
| Support channels | Email, Chat, Phone | Phone, Email, Chat, Help centreCovers more |
Business insurance
| Fact | ERGO Group Deutschland | Vuso UA |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Vuso UA | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €5.97 |
| Excess from | Not confirmed | €0 to €50below 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
Vuso UA
Pros
- Insurer rather than a broker, so cover comes direct from insurer
- One provider spans auto, travel and health
- Excess starts at €0 to €50
Cons
- Claims are handled by phone alone, on phone
- Voluntary medical insurance is limited to children and older adults
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
Vuso UA
Who it suits
- Drivers in Ukraine wanting auto cover with the option of other lines
- Expats settling in Ukraine, listed for expats
- Households wanting home or renters cover alongside a car policy
Who should look elsewhere
- Shoppers wanting to claim online or by message, since claims run on phone only
- Anyone wanting pet, life or motorcycle cover, which sits outside auto, travel and health
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
Vuso UA
Current offer
Discount code
10% discount on medical travel insurance for trips abroad: 10% discount
Covers COVID-19 treatment costs, 24/7 emergency medical assistance worldwide
Source, checked September 26, 2026
Country by country
| Country | ERGO Group Deutschland | Vuso UA |
|---|---|---|
| Germany | Yes | No |
| Ukraine | 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.
Vuso UA
What does an excess look like on a Vuso policy?+
The excess starts at €0 to €50 on the range. Anything above that is the part of a claim that stays with you, so a policy with a low starting excess leaves less of a bill to absorb after a loss.
How are claims made with Vuso?+
Claims are handled on phone only, so a claim starts with a call. That is narrower than the wider support offering, which also covers phone, email and chat for questions that do not involve a claim.
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