Updated September 28, 2026 · AssureCue Editorial Team
kautel Mietkaution vs Vuso UA
What sets them apart
| Compare | kautel Mietkaution ReviewVisitVisit |  Vuso UA |
|---|---|---|
| Insurance types | Renters, Home | Auto, Travel, Health, Home, RentersCovers more |
| Provider type | Broker | Insurer |
| Cover limit | Up to EUR 15,000 for the private rent deposit guarantee | Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited) |
| Claims channels | Online form, Email, PhoneCovers more | Phone |
| Age range | 18 years and over (applicant must be an adult) | Children aged 0-3 and adults aged 60-65 (voluntary medical insurance) |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | €0 to €50 |
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Key differences
- Vuso UA scores higher overall: 9.3 vs 8.9.
- Insurance types: only Vuso UA offers Auto, Travel, Health.
- Claims channels: only kautel Mietkaution offers Online form, Email.
- Support channels: only Vuso UA offers Chat.
Our verdict on each
kautel Mietkaution
Kautel Mietkaution suits private tenants in Germany who would rather hold a deposit guarantee than hand over the rent deposit in cash. The private rent deposit guarantee runs to Up to EUR 15,000 for the private rent deposit guarantee, monthly payments are available, and the site is authorised as a broker under D-OJ67-SB118-38.
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 | kautel Mietkaution | Vuso UA |
|---|---|---|
| Cost | 9.1 | 9.6Higher |
| Offer | 8.9 | 9.1Higher |
| Trust | 8.8 | 9.3Higher |
Positions in our rankings
| Ranking | kautel Mietkaution | Vuso UA |
|---|---|---|
| Home insurance | 20 of 272 | 12 of 272 |
| Renters and contents insurance | 6 of 78 | 2 of 78 |
Side by side, item by item
| Insurance types | kautel Mietkaution | Vuso UA |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Renters | Yes | Yes |
| Health | No | Yes |
| Travel | No | Yes |
Licences and countries
| Country | kautel Mietkaution | Vuso UA |
|---|---|---|
| Germany | Not confirmed | |
| Ukraine | Not confirmed |
Additional countries for kautel Mietkaution: 1. Additional countries for Vuso UA: 1.
Where these facts come from
kautel Mietkaution
- kautel.de: 10 facts, checked September 26, 2026
Vuso UA
- vuso.ua: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | kautel Mietkaution | Vuso UA |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | cresult GmbH (HRB 111977, Amtsgericht Köln) | PrAT Insurance Company VUSO |
| Headquarters | Germany | Ukraine |
| Founded | Not confirmed | 2001 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | kautel Mietkaution | Vuso UA | Median |
|---|---|---|---|
| Excess from | Not confirmed | €0 to €50below the median | €70 |
Median across 68 listed insurance providers.
Pros and cons
kautel Mietkaution
Pros
- Deposit guarantee cover runs to Up to EUR 15,000 for the private rent deposit guarantee for private renters
- Monthly payments are available, which is the norm across the site at 100%
- Covers both renters and home policies under renters and home
Cons
- Kautel Mietkaution is a broker, broker, so the guarantee is placed with an insurer further down the line
- The cover ceiling is Up to EUR 15,000 for the private rent deposit guarantee for the private rent deposit guarantee, which caps larger deposits
- Support runs on email, phone and help centre only
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
kautel Mietkaution
Who it suits
- Private tenants in Germany who face a rent deposit they would rather not pay in cash
- Adults, as the applicant must be an adult under 18 years and over (applicant must be an adult)
- People who want a single monthly payment for a deposit guarantee
Who should look elsewhere
- Hiscox UK, which is aimed at a UK market rather than German private tenants
- Good Sam Insurance Agency, which lists auto, home and renters without a rent deposit guarantee
- Euroasia Insurance, whose listed lines of auto, home and travel do not include a rental deposit
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
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 | kautel Mietkaution | Vuso UA |
|---|---|---|
| Germany | Yes | No |
| Ukraine | No | Yes |
Questions about each
kautel Mietkaution
Can I pay monthly instead of upfront?+
Yes. Monthly payments are available, and the site data shows monthly models account for 100% of what it lists, so this is a standard pattern rather than an exception. That spreads the cost of the guarantee across the tenancy.
Who regulates Kautel Mietkaution?+
It is authorised as an insurance broker in Germany by IHK Köln, with the registration listed as D-OJ67-SB118-38. As a broker it places the guarantee with an insurer rather than carrying the risk itself, and the head office is in Germany.
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.