Updated September 28, 2026 · AssureCue Editorial Team
kautionsfrei.de vs Vuso UA
kautionsfrei.de vs Vuso UA: the differences
| Compare |  kautionsfrei.de |  Vuso UA |
|---|---|---|
| Insurance types | Renters | Auto, Travel, Health, Home, RentersCovers more |
| Provider type | Broker | Insurer |
| Cover limit | 50,000 EUR | Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited) |
| Claims channels | Email, Fax, Post | Phone |
| Age range | 18+ | Children aged 0-3 and adults aged 60-65 (voluntary medical insurance) |
| Premium from | €4.17 | Not confirmed |
| 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 9.0.
- Founded is lower at Vuso UA: 2001 vs 2009.
- Insurance types: only Vuso UA offers Auto, Travel, Health.
- Claims channels: only kautionsfrei.de offers Email, Fax, Post.
- Claims channels: only Vuso UA offers Phone.
Our verdict on each
kautionsfrei.de
kautionsfrei.de is a German broker built around a single purpose: renters cover paid monthly, with premiums from €4.17 and a 50,000 EUR ceiling. It suits tenants who want contents protection on a small monthly bill, not landlords or anyone after buildings cover.
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 | kautionsfrei.de | Vuso UA |
|---|---|---|
| Cost | 9.2Entry price of €4.17 sits under the site median of €8.37, ranking 80 of 252. | 9.6Higher |
| Offer | 9.0 | 9.1Higher |
| Trust | 8.7 | 9.3Higher |
Positions in our rankings
| Ranking | kautionsfrei.de | Vuso UA |
|---|---|---|
| Home insurance | 19 of 272 | 12 of 272 |
| Renters and contents insurance | 5 of 78 | 2 of 78 |
Feature by feature
| Insurance types | kautionsfrei.de | Vuso UA |
|---|---|---|
| Auto | No | Yes |
| Home | No | Yes |
| Renters | Yes | Yes |
| Health | No | Yes |
| Travel | No | Yes |
Availability and regulation
| Country | kautionsfrei.de | Vuso UA |
|---|---|---|
| Germany | Not confirmed | |
| Ukraine | Not confirmed |
Additional countries for kautionsfrei.de: 1. Additional countries for Vuso UA: 1.
What we checked
kautionsfrei.de
- kautionsfrei.de: 12 facts, checked September 26, 2026
Vuso UA
- vuso.ua: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | kautionsfrei.de | Vuso UA |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | plusForta GmbH (Amtsgericht Dusseldorf, HRB B 60806) | PrAT Insurance Company VUSO |
| Headquarters | Germany | Ukraine |
| Founded | 2009 | 2001Lower |
| Support channels | Phone, Chat, Email, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | kautionsfrei.de | Vuso UA | Median |
|---|---|---|---|
| Premium from | €4.17below the median | Not confirmed | €5.97 |
| Excess from | Not confirmed | €0 to €50below the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
kautionsfrei.de
Pros
- Renters cover sold on its own, priced from €4.17 with monthly payments available.
- Help comes through phone, chat and email, so questions can go to phone, chat, email or the help centre.
- A stated ceiling of 50,000 EUR makes the payout limit easy to check against a tenant's own inventory.
Cons
- Claims are handled by email, fax and post only, so a claim starts on a written route rather than by phone.
- The line sold is renters only, per renters, so home or landlord cover is not part of the range.
- Plans run on a monthly model only, per monthly, so there is no single annual payment.
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
kautionsfrei.de
Who it suits
- Tenants renting in Germany who want cover for their belongings without a buildings policy.
- Readers who track spending month by month and prefer small monthly premiums.
- Adults, since the age range starts at 18+.
Who should look elsewhere
- Anyone insuring a building rather than its contents: Hiscox UK lists landlord and home cover alongside renters, per home, renters and landlord.
- Readers who want one provider for the whole household: Good Sam Insurance Agency sells home, renters, life, health, travel and more, per auto, home and renters.
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
kautionsfrei.de
Current offer
Bonus
Up to 5 months free private liability insurance via getsafe: Up to 5 months free Haftpflichtversicherung at getsafe, then from 2,94 EUR per month
Voucher issued to new customers after signing the Buergschaft; insurance concluded online, terminable daily
Source, checked September 26, 2026
Bonus
Free initial phone consultation with a kautionsfrei.de lawyer: 1 free first phone consultation on a tenancy issue
Voucher after conclusion of the Buergschaft, redeemable within 2 months, for questions on the old or new tenancy contract
Source, checked September 26, 2026
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 | kautionsfrei.de | Vuso UA |
|---|---|---|
| Germany | Yes | No |
| Ukraine | No | Yes |
Questions about each
kautionsfrei.de
What does kautionsfrei.de cost to start?+
Renters cover starts at €4.17 a month, while the site median for a starting premium is €8.37. The entry figure therefore sits below the typical starting point, and the cost score recorded for this brand is 6.7.
Can I pay monthly instead of setting aside a full year of premium?+
Monthly is the only model on offer, per monthly, and monthly payments are available. That suits readers who track spending month by month rather than paying a single larger amount for a full year.
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.