Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs ERGO Group Deutschland
CHECK24
Higher score in this comparison
ERGO Group Deutschland
What sets them apart
| Compare | CHECK24ReviewVisitVisit | ERGO Group DeutschlandReviewVisitVisit |
|---|---|---|
| Premium from | €0.69Lower | €3.90 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online, Phone |
| Monthly payments | Not confirmed | Yes |
| Age range | Not confirmed | Under 36 (13% start bonus for young people) |
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
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €3.90.
- Insurance types: only CHECK24 offers Pet, Gadget.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only ERGO Group Deutschland offers Online, Phone.
- Support channels: only CHECK24 offers Help centre.
Our verdict on each
CHECK24
CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.
ERGO Group Deutschland
ERGO Group Deutschland is a German insurer whose home contents policy starts at €3.90 a month, and it suits households that want motor, home, life, health and travel cover with a single provider. Monthly payments are available, and the provider is listed in the Vermittlerregister.
Score breakdown
| Area | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.3Headline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. |
| Offer | 9.6Higher | 9.1 |
| Trust | 8.6 | 9.5Higher |
If neither fits
bunq Spain has premium from at €0, against €0.69 for CHECK24 and €3.90 for ERGO Group Deutschland.
bunq Spain reviewHow they place
| Ranking | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Insurance | 17 of 627 | 18 of 627 |
| Life insurance | 5 of 238 | 6 of 238 |
| Health insurance | 6 of 200 | 7 of 200 |
| Car insurance | 5 of 279 | 6 of 279 |
| Home insurance | 5 of 258 | 6 of 258 |
| Travel insurance | 9 of 278 | 10 of 278 |
Every fact side by side
| Fact | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | ERGO Group AG |
| Headquarters | Germany | Germany |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Chat, Phone |
Loans
| Fact | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| APR | 0.68% to 19.92% | Not confirmed |
| Loan amount | €500 to €150,000 | Not confirmed |
| Term | 12 to 240 months | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Funding time | as little as 3 minutes at some banks, same day | Not confirmed |
| Representative example | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Headline rate | 3.82% | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | CHECK24 | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €3.90below the median | €6.02 |
Median across 116 listed providers.
Pros and cons
CHECK24
Pros
- Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
- Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
- A single catalogue covering auto, home and life, so most household policies can be compared in one place
Cons
- A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
- The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
- The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted
ERGO Group Deutschland
Pros
- Monthly payments are available, so a policy can start without a large upfront sum.
- A single insurer for auto, home and life cover, so a household can place several risks in the same place.
- Support reaches you on email, chat and phone, so chat sits alongside email and phone.
Cons
- Email is not among its claims channels (online and phone), so a loss has to go in through the other routes listed there.
- The provider writes for its own market of DE, so a quote comes from a single national market.
- The young customer bonus described in Under 36 (13% start bonus for young people) narrows the saving to one age group.
Who each suits
CHECK24
Who it suits
- German households holding several policy types who want one place to compare them all
- Anyone parking cash in easy-access savings while keeping it reachable at any time
- Borrowers who want a soft prequalification before a bank runs a full credit check
Who should look elsewhere
- Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
- People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
- Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24
ERGO Group Deutschland
Who it suits
- Households in Germany who want motor, home and health risks with a single insurer.
- Customers who prefer to pay monthly rather than settle the premium upfront.
- Younger policyholders, since Under 36 (13% start bonus for young people) shows a start bonus aimed at young customers.
Who should look elsewhere
- Readers who want an everyday account rather than a German policy: bunq starts at €0.
- Anyone shopping the Spanish market: bunq Spain shows a premium from €0.
- People looking for a savings product rather than cover: Linxea's premium begins at €25.
Current offers
ERGO Group Deutschland
Current offer
Bonus
13% start bonus for young people on ERGO Hausratversicherung: 13%
Granted while the policyholder has not yet reached age 36; applied automatically
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | ERGO Group Deutschland |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
Questions about each
CHECK24
Is CHECK24 a bank or an insurer?+
No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.
How much does it cost to use CHECK24?+
There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.
ERGO Group Deutschland
What does ERGO charge as a starting premium?+
The Hausratversicherung Smart home contents policy starts at €3.90 a month. That is below the site median of €8.31, so the entry price sits in the cheaper part of the personal insurance range on this measure, though other lines and higher cover levels cost more.
Can I pay monthly rather than in one payment?+
Yes, monthly payments are available. The home contents policy runs on a monthly model, so the premium is spread over the year instead of being settled at the outset, starting from €3.90. That suits anyone who prefers a predictable monthly amount over a larger one-off cost.
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