Updated September 29, 2026 · AssureCue Editorial Team
HanseMerkur vs KS Auxilia
What sets them apart
| Compare |  HanseMerkur |  KS Auxilia |
|---|---|---|
| Premium from | €3.36Lower | €5.04 |
| Insurance types | Auto, Dental, Health, Pet, Travel | Legal expenses, Breakdown |
| Excess from | €150 | €0Lower |
| Claims channels | Online | Online, Phone, Email, ChatCovers more |
| Cover limit | Not confirmed | Unlimited |
| Age range | Not confirmed | 18+ |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- KS Auxilia scores higher overall: 9.4 vs 9.3.
- Founded is lower at HanseMerkur: 1875 vs 1964.
- Premium from is lower at HanseMerkur: €3.36 vs €5.04.
- Excess from is lower at KS Auxilia: €0 vs €150.
- Insurance types: only HanseMerkur offers Auto, Dental, Health.
- Insurance types: only KS Auxilia offers Legal expenses, Breakdown.
- Claims channels: only KS Auxilia offers Phone, Email, Chat.
- Support channels: only HanseMerkur offers Help centre.
- Support channels: only KS Auxilia offers Chat.
Our verdict on each
HanseMerkur
HanseMerkur suits households seeking cover for auto, dental, health, pet and travel under direct insurer management with monthly payments available, while listed premiums sit at €3.36 with excess at €150. Support spans email, help centre and phone and claims run through online for straightforward administration.
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
Score breakdown
| Area | HanseMerkur | KS Auxilia |
|---|---|---|
| Cost | 9.0Listed premium sits at €3.36 with monthly payments available. | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend |
| Offer | 8.8Cover spans auto, dental and health with claims through online. | 9.2HigherNarrow motor legal focus through legal expenses and breakdown capped by Unlimited |
| Trust | 9.8HigherDirect placement as insurer with support through email, help centre and phone. | 9.6Established direct structure as insurer dating to 1964 |
Choosing between them
Pick HanseMerkur if premium from matter most.
Pick KS Auxilia if cost, offer, excess from, and claims channels matter most.
Availability and regulation
| Country | HanseMerkur | KS Auxilia |
|---|---|---|
| Germany |
Available in 1 country for both.
How they place
| Ranking | HanseMerkur | KS Auxilia |
|---|---|---|
| Business insurance | 3 of 150 | 1 of 150 |
Where these facts come from
HanseMerkur
- hansemerkur.de: 11 facts, checked September 28, 2026
KS Auxilia
- ks-auxilia.de: 14 facts, checked September 29, 2026
Every fact side by side
| Fact | HanseMerkur | KS Auxilia |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | HanseMerkur Krankenversicherung auf Gegenseitigkeit | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | 1875Lower | 1964 |
| Support channels | Email, Help centre, Phone | Email, Chat, Phone |
Business insurance
| Fact | HanseMerkur | KS Auxilia |
|---|---|---|
| Industries | Not confirmed | Private households, trades, medical professions, farmers, companies |
Where each stands against the rest
| Fact | HanseMerkur | KS Auxilia | Median |
|---|---|---|---|
| Premium from | €3.36below the median | €5.04below the median | €5.97 |
| Excess from | €150above the median | €0below the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
HanseMerkur
Pros
- Operates as insurer, so cover, servicing and claims sit under direct management.
- Lists cover across auto, dental and health, including auto, health, travel, pet and dental in a single portfolio.
- Monthly payments are available, with billing model shown as monthly for budgeting flexibility.
Cons
- Excess sits at €150, which adds upfront cost on eligible claims.
- Claims run through online only, which limits how claims can be started.
- Support runs through email, help centre and phone only, without live chat for urgent queries.
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
Who each suits
HanseMerkur
Who it suits
- Households seeking several personal lines together, with cover across auto, dental and health.
- Readers who value direct insurer management, as HanseMerkur operates as insurer.
- Budget planners wanting instalments, since monthly payments are available under monthly.
Who should look elsewhere
- Readers wanting live chat support may prefer checking andsafe, since HanseMerkur support runs through email, help centre and phone only.
- Readers seeking cover outside auto, dental, health, pet and travel may look at Hiscox, as HanseMerkur lists auto, dental and health.
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
Country by country
| Country | HanseMerkur | KS Auxilia |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
HanseMerkur
What is the starting premium at HanseMerkur?+
Listed premium for HanseMerkur sits at €3.36. Actual pricing varies by cover type, excess selected, personal details and underwriting terms, so readers should obtain a tailored quote for auto, health, travel, pet or dental cover before comparing.
What excess applies to HanseMerkur cover?+
Excess at HanseMerkur sits at €150. The excess shapes claim costs because policyholders meet that share before insurer payment applies. Readers should check which claims carry excess, whether options differ by product and how excess affects renewal pricing.
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
Other options to compare
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Related by the facts
- HanseMerkur Reiseversicherung AT, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Auto
- Insurance providers available in Germany
- andsafe, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Health
- Insurance providers with Travel