Updated October 13, 2026 · SumCue Editorial Team
BNP Paribas Cardif DE vs GEV Grundeigentümer Versicherung
BNP Paribas Cardif DE
GEV Grundeigentümer Versicherung
Higher score in this comparison
Where BNP Paribas Cardif DE and GEV Grundeigentümer Versicherung differ
| Compare | BNP Paribas Cardif DEReviewSee alternativesSee alternatives | GEV Grundeigentümer VersicherungReviewSee alternativesSee alternatives |
|---|---|---|
| Claims channels | MyCardif Leistungsportal (online, 24/7), Phone (+49 7156 1652 0), Email ([email protected]) | Phone, Online form |
| Premium from | Not confirmed | €4.85 |
| Insurance types | Not confirmed | Home, Renters, Landlord |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €250 |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at GEV Grundeigentümer Versicherung: 1891 vs 1973.
- Claims channels: only BNP Paribas Cardif DE offers MyCardif Leistungsportal (online, 24/7), Phone (+49 7156 1652 0), Email ([email protected]).
- Claims channels: only GEV Grundeigentümer Versicherung offers Phone, Online form.
Our verdict on each
BNP Paribas Cardif DE
For households in Germany seeking steady future cover, BNP Paribas Cardif Deutschland is an insurer with thirty years of presence in the country. It stands as a distinct insurer for a changing world with a clear German centre of gravity.
GEV Grundeigentümer Versicherung
GEV Grundeigentümer Versicherung writes its own buildings, contents and landlord policies, with premiums from €4.85 and monthly payments on offer. It suits German property owners who want cover direct from an insurer founded in 1891 rather than a broker.
Score breakdown
| Area | BNP Paribas Cardif DE | GEV Grundeigentümer Versicherung |
|---|---|---|
| Cost | Not confirmed | 8.9Entry premium is €4.85, under the €8.54 median, with monthly payments available. |
| Offer | 9.1Higher | 8.8 |
| Trust | 9.5 | 9.7Higher |
How they place
| Ranking | BNP Paribas Cardif DE | GEV Grundeigentümer Versicherung |
|---|---|---|
| Insurance | 524 of 627 | 182 of 627 |
Every fact side by side
| Fact | BNP Paribas Cardif DE | GEV Grundeigentümer Versicherung |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Cardif Allgemeine Versicherung (branch in Germany of Cardif-Assurances Risques Divers S.A., RCS Paris B 308 896 547) | Grundeigentümer-Versicherung, Versicherungsverein auf Gegenseitigkeit (VVaG) |
| Headquarters | Germany | Germany |
| Founded | 1973 | 1891Lower |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | BNP Paribas Cardif DE | GEV Grundeigentümer Versicherung | Median |
|---|---|---|---|
| Premium from | Not confirmed | €4.85below the median | €6.02 |
| Excess from | Not confirmed | €250highest quarter | €70 |
Median across 116 listed providers.
Pros and cons
BNP Paribas Cardif DE
Pros
- Counts among the strongest capital banks worldwide
Cons
- German market focus limits appeal for households outside Germany
- Broad future focused protection offers little detail for specialist needs
GEV Grundeigentümer Versicherung
Pros
- Buildings cover starts at €4.85, below the €8.54 median for home insurance
- Monthly payments are available, so the premium does not have to be settled up front
- Cover spans home, renters and landlord policies for the same property
Cons
- The excess starts at €250 on buildings cover, so small claims pay out little
- Under the monthly model the premium can move during the term
Who each suits
BNP Paribas Cardif DE
Who it suits
- Households planning long term protection in Germany
- People valuing international backing with local knowledge
Who should look elsewhere
- Households seeking cover outside the German market
GEV Grundeigentümer Versicherung
Who it suits
- Homeowners in Germany who want buildings and contents cover straight from an insurer
- Landlords who need landlord cover for the same property
- Older property owners, the seniors the provider writes for
Who should look elsewhere
- Buyers who want a German bank account alongside the policy: bunq starts at €0
- People without a German property, since the insurer is based in Germany and supervised there
Current offers
GEV Grundeigentümer Versicherung
Current offer
Discount code
Kombirabatt 25% auf Hausratversicherung: 25%
Requires holding or taking out a Wohngebäudeversicherung with GEV at the same time
Source, checked September 26, 2026
Discount code
Haus & Grund Mitgliederrabatt: 10%
Members of Haus & Grund, registered with the GEV
Source, checked September 26, 2026
Country by country
| Country | BNP Paribas Cardif DE | GEV Grundeigentümer Versicherung |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
BNP Paribas Cardif DE
What kind of protection does BNP Paribas Cardif Deutschland provide?+
BNP Paribas Cardif Deutschland centres its work on suitable protection for your future at every stage. You look to it for cover that stays aligned with coming life phases. The emphasis remains on appropriate future security rather than short term arrangements.
Where does BNP Paribas Cardif Deutschland focus its work?+
Germany ranks as a core market for the wider BNP Paribas group. Growth there follows continuity and forms a supporting pillar of the European strategy. The direction underlines long term commitment to German households and structures.
GEV Grundeigentümer Versicherung
How much is the cheapest premium?+
Buildings cover starts at €4.85, which sits under the €8.54 median across home insurance listings. That entry figure is the floor, not the quote for a specific property, since the premium follows the size and condition of what is insured.
What is the minimum excess?+
The excess on residential buildings cover starts at €250, and that part of any claim stays with you. Claims below the figure rarely justify the paperwork, so the value matters most for smaller losses such as storm or water damage.
Other options to compare
BNP Paribas Cardif DE
GEV Grundeigentümer Versicherung