Updated September 28, 2026 · AssureCue Editorial Team
Groupama MRH vs ROLAND-Rechtsschutz
Where Groupama MRH and ROLAND-Rechtsschutz differ
| Compare |  Groupama MRH |  ROLAND-Rechtsschutz |
|---|---|---|
| Insurance types | Auto, Home, Landlord, Life, Health, Dental, Pet, Motorcycle, Gadget, Home emergency, Travel | Auto, Renters, Landlord |
| Excess from | €174 to €354 | €0Lower |
| Cover limit | Contents (capital mobilier) from EUR 10,627 on Protection Indispensable to EUR 60,402 on Protection Premium, which can also insure furniture with unlimited value | Unlimited sum insured (Deckungssumme unbegrenzt) in all tariffs |
| Claims channels | Online, Mobile app, Phone, AgencyCovers more | Phone, Online |
| Premium from | €12.90 | Not confirmed |
| Age range | Reduced student tariff for tenants under 26 (2 rooms maximum) | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- ROLAND-Rechtsschutz scores higher overall: 9.4 vs 9.3.
- Founded is lower at Groupama MRH: 1900 vs 1957.
- ROLAND-Rechtsschutz is available in 2 more countries.
- Excess from is lower at ROLAND-Rechtsschutz: €0 vs €174 to €354.
- Insurance types: only Groupama MRH offers Home, Life, Health.
- Insurance types: only ROLAND-Rechtsschutz offers Renters.
- Claims channels: only Groupama MRH offers Mobile app, Agency.
- Support channels: only ROLAND-Rechtsschutz offers Email.
Our verdict on each
Groupama MRH
Groupama MRH is a French insurer founded in 1900, with a personal book spanning motor, home, health and pet cover, and it suits households who want every policy with a single provider. Older customers in particular are the listed audience, while the catch is what a claim leaves you paying.
ROLAND-Rechtsschutz
ROLAND-Rechtsschutz suits households that want legal expenses cover with an unlimited sum insured and no excess, and monthly payments are available so the premium is spread across the year rather than paid in full up front. It scores 8.1 overall, with cost at 8.1.
Score breakdown
| Area | Groupama MRH | ROLAND-Rechtsschutz |
|---|---|---|
| Cost | 8.8Claim excess runs €174 to €354, and the starting premium sits above the site median of €8.37. | 9.4HigherThe excess starts at €0 and monthly payments are available, so payouts are not cut by an upfront deduction. |
| Offer | 9.6Higher | 9.0 |
| Trust | 9.7Higher | 9.6 |
Positions in our rankings
| Ranking | Groupama MRH | ROLAND-Rechtsschutz |
|---|---|---|
| Car insurance | 88 of 393 | 78 of 393 |
| Home insurance | 70 of 272 | 61 of 272 |
| Landlord insurance | 14 of 55 | 11 of 55 |
What we checked
Groupama MRH
- groupama.fr: 12 facts, checked September 26, 2026
- fr.wikipedia.org: 2 facts, checked September 26, 2026
ROLAND-Rechtsschutz
- roland-rechtsschutz.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Groupama MRH | ROLAND-Rechtsschutz |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Assurances Mutuelles Agricoles Groupama | ROLAND Rechtsschutz-Versicherungs-AG |
| Headquarters | France | Germany |
| Founded | 1900Lower | 1957 |
| Support channels | Phone, Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Groupama MRH | ROLAND-Rechtsschutz | Median |
|---|---|---|---|
| Premium from | €12.90above the median | Not confirmed | €5.97 |
| Excess from | €174 to €354above the median | €0below the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
Groupama MRH
Pros
- Auto, home, landlord, life, health, dental, pet, motorcycle, gadget, home emergency and travel are all on the book (auto, home and landlord), so policies can sit with the same insurer.
- Claims can be opened online, in the mobile app, by phone or in an agency (online, mobile app and phone), so help is not tied to a single channel.
- Monthly payments are available, so the premium is collected as a regular payment rather than a single sum.
Cons
- The excess on a home claim runs €174 to €354, so a small loss can cost you money.
- Support runs on phone, chat and help centre only, with no email route listed.
- Contents cover is capped on the entry home tier, and unlimited furniture value comes with the top tier alone.
ROLAND-Rechtsschutz
Pros
- The cover limit is unlimited in all tariffs, so a legal bill is not held back by a fixed cap.
- The excess starts at €0, so a claim is not reduced by an upfront payment from your own pocket.
- Monthly payments are available, spreading the premium rather than demanding the full sum up front.
Cons
- Cover sits within auto, renters and landlord, so you would need another insurer for travel, life or health protection.
- The stated audience is seniors, which narrows the marketing focus to older customers.
- Claims start through phone and online, a shorter set than the email, chat and phone offered for day to day questions, so a claim and a general enquiry follow different routes.
Who each suits
Groupama MRH
Who it suits
- Households that want home, motor, health and pet cover with a single French provider.
- Older policyholders, the audience the brand is listed for.
- Tenants who are students and can use the reduced home tariff.
Who should look elsewhere
- Price-first readers, since bunq shows a premium from €0 while Groupama MRH starts at €12.90.
- Shoppers who want a leaner book, since Good Sam Insurance Agency covers auto, home and renters and leaves landlord, dental and gadget cover to others.
ROLAND-Rechtsschutz
Who it suits
- Households wanting legal expenses cover with an unlimited sum insured.
- Anyone who prefers a monthly premium to a single annual charge.
- People who want to deal with the insurer itself rather than a broker.
Who should look elsewhere
- Travellers after travel or pet cover, which Hiscox UK and Good Sam Insurance Agency list.
- Holders wanting many personal lines under one roof, since Good Sam Insurance Agency lists auto, home and renters.
- Anyone buying outside Germany, since this insurer is registered there as ROLAND Rechtsschutz-Versicherungs-AG.
Current offers
Groupama MRH
Current offer
Bonus
EUR 50 off the first year of a Groupama Habitation policy: EUR 50
Subscribe in 2026 to two new contracts, minimum annual premium EUR 100 incl. tax; 1 January to 31 December 2026; page header shows the offer running until 30 October 2026; not combinable, see conditions in agency
Source, checked September 26, 2026
Bonus
Up to EUR 250 off on Groupama Sante Active, Groupama Sante Active Senior or Groupama Sante: EUR 200 (page banner: up to EUR 250)
Contract of at least 1 year, minimum annual premium EUR 200 incl. tax, plus a second contract in the same period; 7 September to 17 October 2026; not combinable with other advantages
Source, checked September 26, 2026
First period offer
One month free on the first year of a Groupama chien-chat policy: 1 month of premium
New subscription of a Groupama assurance chien-chat, offer valid 1 January to 31 December 2026
Source, checked September 26, 2026
Country by country
| Country | Groupama MRH | ROLAND-Rechtsschutz |
|---|---|---|
| Austria | No | Yes |
| France | Yes | No |
| Germany | No | Yes |
| Italy | No | Yes |
Questions about each
Groupama MRH
How much does cover start at?+
Home cover starts at a premium from €12.90, and monthly payments are available so the cost is spread out. That entry figure sits above the site median of €8.37, and the excess on a claim runs €174 to €354, so small claims can end up costing you.
Who regulates Groupama MRH?+
It is an insurer (insurer) registered in France, supervised by ACPR, the Autorite de controle des assurances et des caisses d'epargne. Because the company carries the risk itself, a claim is paid by the insurer named on the policy rather than being passed to another provider.
ROLAND-Rechtsschutz
What does the unlimited cover limit mean for a legal expenses claim?+
The cover limit is unlimited in all tariffs, so the sum insured does not place a fixed ceiling on a legal costs bill, whatever line the case falls under in auto, renters and landlord. That matters when a dispute runs long, because a capped policy would pay out only to its limit. Ask for the wording of your chosen tariff to see what counts as covered.
Is there an excess to pay if I make a claim?+
The excess starts at €0, so there is no upfront payment from your own pocket. A valid claim is therefore not reduced by an excess. Check the wording of your tariff, since terms can differ between the legal expenses element and any other lines you hold.