Updated September 29, 2026 · SumCue Editorial Team
Allianz Direct Versicherungen DE vs ERGO Group
Allianz Direct Versicherungen DE
ERGO Group
Higher score in this comparison
What sets them apart
| Compare | Allianz Direct Versicherungen DEReviewSee alternativesSee alternatives | ERGO GroupReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €6.06Lower | €20.65 |
| Insurance types | Auto, Motorcycle, Home, Travel | Auto, Home, Dental, Health, Life, Travel, Motorcycle, Income protectionCovers more |
| Cover limit | Kfz-Haftpflicht: up to 100 million EUR sum insured, max 15 million EUR per injured person | up to 100% premium protection, dental |
| Claims channels | Online portal, Phone, Email | Online, Phone, Post |
| Excess from | €150 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- ERGO Group scores higher overall: 9.2 vs 9.1.
- Founded is lower at ERGO Group: 1997 vs 2005.
- ERGO Group is available in 22 more countries.
- Premium from is lower at Allianz Direct Versicherungen DE: €6.06 vs €20.65.
- Insurance types: only ERGO Group offers Dental, Health, Life.
- Claims channels: only Allianz Direct Versicherungen DE offers Online portal, Email.
- Claims channels: only ERGO Group offers Online, Post.
- Support channels: only Allianz Direct Versicherungen DE offers Help centre.
Our verdict on each
Allianz Direct Versicherungen DE
Allianz Direct suits German households who want several kinds of personal cover bought and managed online, with car premiums of €6.06 and an overall score of 4.1 out of ten. It is a direct insurer rather than a broker, so you handle quotes, documents and claims yourself.
ERGO Group
ERGO Group suits German households wanting personal cover from one insurer, with premiums from €20.65. Monthly payments are available, so budgets spread out. Buyers shopping purely on the lowest starting price may find cheaper entry points elsewhere.
Score breakdown
| Area | Allianz Direct Versicherungen DE | ERGO Group |
|---|---|---|
| Cost | 8.9The car premium of €6.06 is below the site median of €8.31, ranking 109 of 251 brands on price. | 8.9Premiums start at €20.65, above the €25 and €0 comparison points. |
| Offer | 9.3 | 9.3 |
| Trust | 9.2 | 9.4Higher |
Licences and countries
| Country | Allianz Direct Versicherungen DE | ERGO Group |
|---|---|---|
| Germany |
Available in 1 country for both. Additional countries for ERGO Group: 22.
Choosing between them
Pick Allianz Direct Versicherungen DE if premium from matter most.
Pick ERGO Group if insurance types matter most.
How they place
| Ranking | Allianz Direct Versicherungen DE | ERGO Group |
|---|---|---|
| Insurance | 213 of 627 | 165 of 627 |
| Car insurance | 102 of 279 | 79 of 279 |
| Home insurance | 102 of 258 | 77 of 258 |
| Travel insurance | 110 of 278 | 89 of 278 |
Every fact side by side
| Fact | Allianz Direct Versicherungen DE | ERGO Group |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Allianz Direct Versicherungs-AG | ERGO Group AG |
| Headquarters | Germany | Germany |
| Founded | 2005 | 1997Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Phone |
Where each stands against the rest
| Fact | Allianz Direct Versicherungen DE | ERGO Group | Median |
|---|---|---|---|
| Premium from | €6.06above the median | €20.65highest quarter | €6.02 |
| Excess from | €150above the median | Not confirmed | €70 |
Median across 116 listed providers.
Pros and cons
Allianz Direct Versicherungen DE
Pros
- A single insurer holds auto, motorcycle and home policies, so car, motorcycle, home and travel cover can sit with the same provider.
- Monthly payments are available, so cover can be paid for month by month rather than as a single annual sum.
- Support runs on email, chat and phone, giving you phone, chat, email and a help centre.
Cons
- An excess of €150 applies on car cover, so smaller losses can be cheaper to absorb than to claim.
- The product list stops at auto, motorcycle and home, with no life, health or pet lines.
- Claims run through online portal, phone and email, so no broker or adviser works the file on your behalf.
ERGO Group
Pros
- Premium from €20.65, a mid-range entry price for personal cover
- Monthly payments available, so premiums spread across the year
- Cover spans auto, home and dental
Cons
- Starting premium of €20.65 sits above €25 and €0
- Claims can be made online, phone and post only
- Premium protection runs to up to 100% premium protection, dental
Who each suits
Allianz Direct Versicherungen DE
Who it suits
- Drivers and motorcyclists in Germany who want cover with monthly payments.
- Households that want car, home and travel policies from the same insurer and are happy to manage them online.
Who should look elsewhere
- People after life, health or pet insurance, which sits outside auto, motorcycle and home.
- People shopping for a bank account or savings pot instead: bunq and bunq Spain start at €0, and Linxea is a life savings product starting at €25.
ERGO Group
Who it suits
- German households insuring a car, home or health cover together
- People who prefer paying premiums monthly
- Applicants wanting a named insurer rather than a broker
Who should look elsewhere
- Shoppers wanting the lowest entry price, where €25 is lower
- Anyone needing claim handling outside online, phone and post
- Buyers looking for a savings platform, since Linxea covers that instead
Current offers
Allianz Direct Versicherungen DE
Current offer
Bonus
15 EUR Amazon voucher with Direct-Preis-Gaudi 2026 private liability or household contents policy: 15 EUR Amazon voucher
Take out a Privathaftpflicht or Hausratversicherung policy by 29.09.2026
Source, checked September 26, 2026
Country by country
| Country | Allianz Direct Versicherungen DE | ERGO Group |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| China | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| France | No | Yes |
| Greece | No | Yes |
8 of 23 countries where either is available.
Questions about each
Allianz Direct Versicherungen DE
How much does car cover cost at Allianz Direct?+
The advertised car premium is €6.06. That is the entry figure: the median across car policies on the site is €8.50, and the median across all insurance brands is €8.31. Allianz Direct sits at position 109 of 251 on the site's premium ranking.
Is there an excess to pay on a car claim?+
Yes. The excess on car cover is €150, the share of a car claim you pay yourself before the insurer covers the rest. Buying cover mainly to handle small losses is worth weighing against that amount.
ERGO Group
What does the cheapest ERGO Group cover cost?+
Premiums start at €20.65 for the entry-level product. That sits above the €25 and €0 starting points, so ERGO Group is not the cheapest way into cover.
Can ERGO Group cover be paid monthly?+
Monthly payments are available, so premiums can be spread across the year rather than paid in one sum. This suits households with steady monthly income who prefer a predictable outgoing payment.
Other options to compare
Allianz Direct Versicherungen DE
ERGO Group