Updated October 13, 2026 · SumCue Editorial Team
BNP Paribas Cardif DE vs Luko by Allianz Direct
BNP Paribas Cardif DE
Luko by Allianz Direct
Higher score in this comparison
Where BNP Paribas Cardif DE and Luko by Allianz Direct differ
| Compare | BNP Paribas Cardif DEReviewSee alternativesSee alternatives | Luko by Allianz DirectReviewSee alternativesSee alternatives |
|---|---|---|
| Claims channels | MyCardif Leistungsportal (online, 24/7), Phone (+49 7156 1652 0), Email ([email protected]) | Online account, Phone, Chat |
| Premium from | Not confirmed | €5.26 |
| Insurance types | Not confirmed | Home, Renters, Landlord, Travel, Auto |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €300 |
| Cover limit | Not confirmed | Medical expenses abroad up to EUR 300,000 |
Same on both: Provider type (Insurer).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Founded is lower at BNP Paribas Cardif DE: 1973 vs 2016.
- Luko by Allianz Direct is available in 1 more country.
- Claims channels: only BNP Paribas Cardif DE offers MyCardif Leistungsportal (online, 24/7), Phone (+49 7156 1652 0), Email ([email protected]).
- Claims channels: only Luko by Allianz Direct offers Online account, Phone, Chat.
- Support channels: only BNP Paribas Cardif DE offers Email.
- Support channels: only Luko by Allianz Direct offers Chat.
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.
Luko by Allianz Direct
Luko by Allianz Direct suits people who want personal insurance bought and run from an app, with home, renters, landlord, travel and auto cover under one insurer. Premiums start at €5.26 a month and the excess starts at €300.
Score breakdown
| Area | BNP Paribas Cardif DE | Luko by Allianz Direct |
|---|---|---|
| Cost | Not confirmed | 8.8Entry premium is €5.26, the excess starts at €300, and monthly payments are available on all home, renters and landlord lines. |
| Offer | 9.1 | 9.1 |
| Trust | 9.5Higher | 8.9 |
How they place
| Ranking | BNP Paribas Cardif DE | Luko by Allianz Direct |
|---|---|---|
| Insurance | 524 of 627 | 343 of 627 |
Every fact side by side
| Fact | BNP Paribas Cardif DE | Luko by Allianz Direct |
|---|---|---|
| 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) | Allianz Direct Versicherungs-AG |
| Headquarters | Germany | Germany |
| Founded | 1973Lower | 2016 |
| Support channels | Email, Phone, Help centre | Chat, Phone, Help centre |
Where each stands against the rest
| Fact | BNP Paribas Cardif DE | Luko by Allianz Direct | Median |
|---|---|---|---|
| Premium from | Not confirmed | €5.26below the median | €6.02 |
| Excess from | Not confirmed | €300highest 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
Luko by Allianz Direct
Pros
- One insurer covers home, renters and landlord, so several policies sit in one place
- Entry pricing of €5.26 a month and an excess from €300
- Monthly payments are available, spreading the cost of cover
Cons
- Support runs on chat, phone and help centre only, with no branch or in person option
- The listed cover is limited to home, renters and landlord, so there is no life, health or pet cover
- Excess starts at €300, which some households will pay on every claim
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
Luko by Allianz Direct
Who it suits
- People who insure a home, a rental flat and a car with one provider
- Renters and landlords who want contents and building cover in one place
- Travellers who want medical cover abroad of Medical expenses abroad up to EUR 300,000
Who should look elsewhere
- Anyone wanting life, health or pet cover, which the listed home, renters and landlord do not include
- Shoppers who want to deal with a broker or an adviser rather than an insurer, since this is an insurer
- People who prefer in person branch service, as support runs on chat, phone and help centre only
Country by country
| Country | BNP Paribas Cardif DE | Luko by Allianz Direct |
|---|---|---|
| France | No | Yes |
| Germany | Yes | No |
| Monaco | No | 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.
Luko by Allianz Direct
What is the cheapest premium at Luko?+
Premiums start at €5.26 a month. That is the entry price across the range, and the final figure depends on the type of cover, the property or vehicle and the excess chosen.
What is the minimum excess on a claim?+
The excess starts at €300, which is the part of a claim you pay yourself. A higher excess can bring the monthly premium down, so the trade-off runs between cost at claim time and cost each month.
Other options to compare
BNP Paribas Cardif DE
Luko by Allianz Direct