Updated September 28, 2026 · SumCue Editorial Team
AXA Deutschland vs ERGO Group
AXA Deutschland
Higher score in this comparison
ERGO Group
Where AXA Deutschland and ERGO Group differ
| Compare | AXA DeutschlandReviewVisitVisit | ERGO GroupReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Home, Health, Life, Motorcycle | Auto, Home, Dental, Health, Life, Travel, Motorcycle, Income protectionCovers more |
| Premium from | Not confirmed | €20.65 |
| Monthly payments | Not confirmed | Yes |
| Cover limit | Not confirmed | up to 100% premium protection, dental |
| Claims channels | Not confirmed | Online, Phone, Post |
Same on both: Provider type (Insurer).
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Key differences
- AXA Deutschland scores higher overall: 9.4 vs 9.2.
- ERGO Group is available in 22 more countries.
- Insurance types: only ERGO Group offers Dental, Travel, Income protection.
Our verdict on each
AXA Deutschland
AXA Deutschland is an insurer, not a broker, and it writes personal cover across auto, home and health. It suits households and riders who want car, home, health, life and motorcycle policies under a single name, and who prefer a single provider's terms to a marketplace, where site-wide entry premiums sit at €8.31.
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 | AXA Deutschland | ERGO Group |
|---|---|---|
| Cost | Not confirmed | 8.9Premiums start at €20.65, above the €25 and €0 comparison points. |
| Offer | 9.3 | 9.3 |
| Trust | 9.5Higher | 9.4 |
How they place
| Ranking | AXA Deutschland | ERGO Group |
|---|---|---|
| Insurance | 5 of 627 | 165 of 627 |
| Life insurance | 2 of 238 | 79 of 238 |
| Health insurance | 2 of 200 | 59 of 200 |
| Car insurance | 1 of 279 | 79 of 279 |
| Home insurance | 1 of 258 | 77 of 258 |
Every fact side by side
| Fact | AXA Deutschland | ERGO Group |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Not confirmed | ERGO Group AG |
| Headquarters | Not confirmed | Germany |
| Founded | Not confirmed | 1997 |
| Support channels | Not confirmed | Email, Chat, Phone |
Where each stands against the rest
| Fact | AXA Deutschland | ERGO Group | Median |
|---|---|---|---|
| Premium from | Not confirmed | €20.65highest quarter | €6.02 |
Median across 116 listed providers.
Pros and cons
AXA Deutschland
Pros
- Broad personal range under a single provider: auto, home and health puts auto, home, health, life and motorcycle with the same company.
- Wider than the alternatives shown: Linxea lists life and EuroAsia Insurance lists auto, home and travel, against auto, home and health here.
- A consistent provider type: insurer means the same company stands behind every line of cover.
Cons
- Travel and gadget cover sit outside the range: auto, home and health runs from auto to motorcycle, while EuroAsia Insurance adds auto, home and travel.
- Prices in this category move a long way, with entry premiums in the insurance ranking spanning €2.66 to €26.75, so the line of cover says little about the bill.
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
AXA Deutschland
Who it suits
- Households insuring a car and a home with the same company, taken from auto, home and health.
- Riders who want motorcycle cover alongside a car policy, which sits in the same auto, home and health list.
- People who like a single provider type across policies: insurer means the same company writes them all.
Who should look elsewhere
- Life policy buyers only: Linxea lists life, a narrower range than auto, home and health.
- Travel and gadget buyers: EuroAsia Insurance covers auto, home and travel, which auto, home and health does not include.
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
Country by country
| Country | AXA Deutschland | 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
AXA Deutschland
Is AXA Deutschland an insurer or a broker?+
AXA Deutschland is an insurer, insurer, so the company underwrites the policies it sells instead of passing cover to another provider. Insurers are the most common company type on the site, with brokers and comparison sites sitting alongside them as other routes to the same cover.
What kinds of insurance does AXA Deutschland sell?+
The range is auto, home and health, which covers car, home, health, life and motorcycle. Buyers who need any of those lines can read terms from the same provider, and a household can hold several of them at once. Travel and gadget cover sit outside this list.
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
Other matchups
AXA Deutschland
ERGO Group