ERGO Group review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ERGO Group suits households in Germany that want car, home, health, life, travel, dental, motorcycle and income protection, all paid monthly. Its entry premium of €20.65 sits above the site median €8.37, which places it 174 of 252 brands on price.
Key facts
- Best for
- A single German insurer for the whole household, on monthly payments.
- Premium from
- €20.65 (Source, checked September 26, 2026)
- Insurance types
- Auto, Home, Dental, Health, Life, Travel, Motorcycle, Income-protection (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Cover limit
- up to 100% premium protection, dental (Source, checked September 26, 2026)
- Claims channels
- Online, Phone, Post (Source, checked September 26, 2026)
- Legal entity
- ERGO Group AG (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 1997 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- ergo.com
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Premium from
- €20.65 (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Legal entity
- ERGO Group AG (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 1997 (Source, checked September 26, 2026)
- Support channels
- Email, Chat, Phone (Source, checked September 26, 2026)
Apps and profiles
Pros and cons
Pros
- Monthly payments are available and monthly is the listed model, so the premium spreads across the year rather than coming as a lump sum.
- auto, home and dental covers car, home, dental, health, life, travel, motorcycle and income protection under a single insurer.
- Support runs on email, chat and phone, and claims can be filed online, phone and post.
- As insurer rather than a broker, the contract and the claim stay with the same company.
Cons
- The entry premium of €20.65 sits above the site median €8.37.
- Support runs on email, chat and phone only, so there is no postal route to help.
- monthly is the only payment model listed, so there is no annual option.
Who it suits
- Households in Germany who want car, home, dental, health, life, travel, motorcycle and income protection under a single insurer, based on auto, home and dental.
- Anyone who prefers spreading the cost: monthly payments are available and monthly is monthly.
- People who would rather pick their own route to help on email, chat and phone.
Who should look elsewhere
- Readers watching the entry price above all: bunq lists a starting premium of €0, which is free.
- Shoppers who want pet or renters cover: Good Sam Insurance Agency covers auto, home and renters, and pet is not among auto, home and dental.
How your money is protected
ERGO Group is listed as an insurer (insurer), not a broker or a comparison site, so the policy and any claim sit with the same company. Cover, premium and claim handling stay in the same hands, with no broker in between. The brand is supervised in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), the German regulator for insurers of this kind.
The company behind it
The legal entity is ERGO Group AG (ERGO Group AG), headquartered in Germany (DE) and operating since 1997. Contracts, claim wording and complaints all sit with a German company, so the documents you sign follow the market you live in. Day to day, support runs on email, chat and phone.
How ERGO Group compares
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.3
9.2 vs 8.6- 9.2 vs 9.3
9.2 vs 9.3Max Life Insurance
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6- 9.2 vs 8.4
- 9.2 vs 8.2
Fit 2 Trip
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Where ERGO Group is available
- Available
- Austria, Belgium, China, Czechia, Denmark, Estonia, France, Germany, Greece, India, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Norway, Poland, Singapore, Spain, Sweden, Thailand, United Kingdom, United States
- Licence in Germany
- Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does ERGO Group cost to start?+
The entry premium is €20.65, and it sits above the site median €8.37. On the site's ranking of premium from, ERGO Group places 174 of 252 brands, so it is a mid-table price rather than a budget option. A real quote depends on the line and the cover chosen.
Who regulates ERGO Group?+
The brand is supervised in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). It is listed as insurer, not a broker, so the contract and the claim sit with the insurer rather than with an intermediary. The legal entity named in the imprint is ERGO Group AG (ERGO Group AG).
Can I pay monthly instead of yearly?+
Yes, monthly payments are available and monthly lists monthly as the payment model. That spreads the premium across the year rather than asking for it as a lump sum, which suits anyone who prefers steady smaller amounts. Cover bought alongside car or home policies keeps the same monthly rhythm.
How do I make a claim?+
Claims can be filed online, phone and post, and support runs on email, chat and phone. Both routes sit with the insurer itself, so the file is opened by the company that will pay it. Have the policy details and the invoices or reports ready, since those are what a dental or health claim usually turns on.
What can I cover with ERGO Group?+
The listed lines are auto, home and dental: car, home, dental, health, life, travel, motorcycle and income protection. That is a wider spread than a single-product insurer, and on the dental line the cover reaches up to 100% premium protection, dental.
Is ERGO Group only for the German market?+
The brand is headquartered in Germany (DE) and the legal entity is ERGO Group AG (ERGO Group AG), so its terms are written for the German market. If your address, documents and claims all sit in Germany, the wording on the policy will match what you already read.
Sources
- ergo.com checked September 26, 2026
Backs: Provider type
“ERGO is one of the leading international insurance groups ... As an insurer, we do this as simply, quickly and conveniently as possible.”
- ergo.com/en/company/about-ergo/facts-and-figures checked September 26, 2026
Backs: Founded
“1997 D.A.S., DKV, Hamburg-Mannheimer and Victoria merge to establish the ERGO Insurance Group”
- ergo.com/en/imprint checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“ERGO Group AG, ERGO-Platz 1, 40477 Düsseldorf, Germany”
- ergo.de checked September 26, 2026
Backs: Insurance types, Pricing model, Monthly payments, Premium from, Support channels
“z. B. 20,65 € monatlich ... Monatliches Kündigungsrecht”
- ergo.de/de/Produkte/Zahnzusatzversicherung/Zahnzusatzvers... checked September 26, 2026
Backs: Claims channels, Cover limit
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
ERGO Group
A single German insurer for the whole household, on monthly payments.