Updated September 30, 2026 · AssureCue Editorial Team
ERGO Group Deutschland vs YouSet
Where ERGO Group Deutschland and YouSet differ
| Compare |  ERGO Group Deutschland |  YouSet |
|---|---|---|
| Premium from | €3.90 | CA$5 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Auto, Home, Renters, Motorcycle |
| Provider type | Insurer | Broker |
| Claims channels | Online, PhoneCovers more | Phone |
| 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: Monthly payments (Yes).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.4 vs 8.9.
- Insurance types: only ERGO Group Deutschland offers Life, Health, Travel.
- Insurance types: only YouSet offers Renters.
- Claims channels: only ERGO Group Deutschland offers Online.
- Support channels: only YouSet 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.
YouSet
YouSet suits renters, homeowners, drivers and riders in Canada seeking side by side broker quotes with monthly payments available alongside premiums that start at CAD 5. Claims run by phone through phone while support spans email, chat and phone for policy help and service enquiries across cover types.
Score breakdown
| Area | ERGO Group Deutschland | YouSet |
|---|---|---|
| Cost | 9.3Premiums start at €3.90 on the Smart home policy, under the site median of €8.37, with monthly payments available. | 9.3Premiums start at CAD 5 with monthly payments available for budgeting flexibility. |
| Offer | 9.1Higher | 9.0Cover spans auto, home and renters across auto, home, renters and motorcycle needs. |
| Trust | 9.6Higher | 8.5Broker model disclosed as broker with support across email, chat and phone. |
Feature by feature
| Insurance types | ERGO Group Deutschland | YouSet |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Motorcycle | Yes | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
Licences and countries
| Country | ERGO Group Deutschland | YouSet |
|---|---|---|
| Canada | Not confirmed | |
| Germany | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for YouSet: 1.
How they place
| Ranking | ERGO Group Deutschland | YouSet |
|---|---|---|
| Car insurance | 7 of 393 | 24 of 393 |
| Home insurance | 6 of 272 | 22 of 272 |
| Motorbike insurance | 4 of 120 | 14 of 120 |
Every fact side by side
| Fact | ERGO Group Deutschland | YouSet |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | YouSet Insurance |
| Headquarters | Germany | Canada |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Chat, Phone | Email, Chat, Phone, Help centreCovers more |
Business insurance
| Fact | ERGO Group Deutschland | YouSet |
|---|---|---|
| Cover types | Public liability, Cyber, Property | Not 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
YouSet
Pros
- Premiums that start at CAD 5 give a clear entry signal for budget comparison.
- Cover spans auto, home and renters, useful versus LV= which covers auto, home and pet.
- Monthly payments are available, helping spread costs across the term.
Cons
- Claims run on phone only, so written or chat claims routes are absent for phone users.
- Broker cover means policies sit with partner insurers rather than YouSet as broker, unlike insurer alternatives such as LV=.
- Entry premiums that start at CAD 5 will vary by profile, and die Bayerische lists €2.09 for strict price comparison.
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
YouSet
Who it suits
- Canadian drivers and riders bundling motor risks who might otherwise consider LV= which covers auto, home and pet.
- Renters and homeowners comparing property quotes together, unlike die Bayerische at €2.09.
- Budget planners using monthly payments available while watching entry at CAD 5.
Who should look elsewhere
- Drivers needing broader life and travel cover may prefer Allianz Malaysia because it covers auto, motorcycle and home.
- Pet owners may prefer LV= because it covers auto, home and pet including pet cover.
- Shoppers chasing the lowest headline entry signal may compare die Bayerische at €2.09 against CAD 5.
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 | YouSet |
|---|---|---|
| Canada | 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.
YouSet
What does YouSet cover cost at entry level?+
Premiums start at CAD 5 according to the advertised entry signal, although the amount you pay depends on vehicle, property, location and claims history. Monthly payments are available, which helps spread the annual cost rather than paying the full term in advance.
Is YouSet an insurer or a broker?+
YouSet arranges cover as broker, which means it compares options and arranges policies that are then held with partner insurers. Your money for the actual risk cover goes to the insurer shown on your policy documents, while YouSet handles shopping and service support.
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