Updated September 28, 2026 · SumCue Editorial Team
Compass vs ERGO Group Deutschland
Compass
Higher score in this comparison
ERGO Group Deutschland
What sets them apart
| Compare | CompassReviewVisitVisit | ERGO Group DeutschlandReviewVisitVisit |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, Pet | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, Post | Online, Phone |
| Age range | 18+ (resident in Italy) | Under 36 (13% start bonus for young people) |
| Premium from | Not confirmed | €3.90 |
| Cover limit | Not confirmed | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) |
Same on both: Monthly payments (Yes).
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
- Compass scores higher overall: 9.4 vs 9.3.
- Insurance types: only Compass offers Home emergency, Pet.
- Insurance types: only ERGO Group Deutschland offers Auto, Life, Motorcycle.
- Claims channels: only Compass offers Email, Online portal, Post.
- Claims channels: only ERGO Group Deutschland offers Online.
- Support channels: only Compass offers Help centre.
- Support channels: only ERGO Group Deutschland offers Email, Chat.
- Pricing model: only Compass offers Fixed rate.
- Pricing model: only ERGO Group Deutschland offers Monthly.
Our verdict on each
Compass
Compass is a bank-direct lender for Italian residents, and it is a poor fit for you if you need to check rates without a hard credit check. hard stands, and 7.38% to 15.84% sits well under the 15.5% typical of the wider market, with free early repayment on every loan.
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 | Compass | ERGO Group Deutschland |
|---|---|---|
| Cost | 9.2 | 9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. |
| Offer | 9.2HigherFixed-rate loans of €1,000 to €30,000 over 24 to 96, with 0 EUR for online loans from 1,000 to 5,000 EUR for online loans. | 9.1 |
| Trust | 9.6Higher | 9.5 |
How they place
| Ranking | Compass | ERGO Group Deutschland |
|---|---|---|
| Insurance | 14 of 627 | 18 of 627 |
| Health insurance | 4 of 200 | 7 of 200 |
| Home insurance | 3 of 258 | 6 of 258 |
| Travel insurance | 7 of 278 | 10 of 278 |
What each covers
| Insurance types | Compass | ERGO Group Deutschland |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | No | Yes |
| Dental | No | Yes |
| Income protection | No | Yes |
| Home emergency | Yes | No |
What we checked
Compass
- compass.it: 10 facts, checked September 26, 2026
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Compass | ERGO Group Deutschland |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Legal entity | Compass Banca S.p.A. | ERGO Group AG |
| Headquarters | Italy | Germany |
| Founded | 1960 | Not confirmed |
| Support channels | Phone, Help centre | Email, Chat, Phone |
Credit cards
| Fact | Compass | ERGO Group Deutschland |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 7.38% to 15.84% | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rewards rate | Cashback Base on spending above a minimum threshold | Not confirmed |
| Perks | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number | Not confirmed |
| Card kind | Credit | Not confirmed |
Where each stands against the rest
| Fact | Compass | ERGO Group Deutschland | Median |
|---|---|---|---|
| Premium from | Not confirmed | €3.90below the median | €6.02 |
Median across 116 listed providers.
Pros and cons
Compass
Pros
- 0 EUR for online loans from 1,000 to 5,000 EUR for online loans of €1,000 to €30,000
- same day funding is listed, and existing app customers get a fast decision
- Free early repayment is offered, as 79.4% of the market does
Cons
- hard means applying can leave a mark on the credit file
- phone and help centre are listed, so there is no live chat on the loan side
- 7.38% to 15.84% tops out at more than twice the 7.85% low end seen across the market
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
Compass
Who it suits
- Italian residents in their adulthoods looking for fixed rate pricing
- People consolidating existing debts, since personal and debt consolidation are listed
- Branch customers who also want a credit card with €0
Who should look elsewhere
- Anyone who wants a soft check, because hard
- Borrowers outside Italy, since Italian or foreign citizen aged 18 to 82, resident in Italy requires residence in Italy
- Those who want live chat, because phone and help centre cover phone and a help centre only
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
Compass
Current offer
Bonus
Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR
Perfezionamento via web della richiesta di Prestito Online; offer validity dates not displayed on the page
Source, checked September 26, 2026
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 | Compass | ERGO Group Deutschland |
|---|---|---|
| Germany | No | Yes |
| Italy | Yes | No |
Questions about each
Compass
What rate will I pay on a Compass personal loan?+
Loans are fixed rate at an APR of 7.38% to 15.84%, and the rate you get depends on your profile. The example on file shows 7.38% to 15.84% against a fixed nominal rate, with equal monthly instalments across the term. Early repayment is free, so paying the loan off sooner costs nothing extra.
Is there an arrangement fee on a Compass loan?+
Online loans carry 0 EUR for online loans from 1,000 to 5,000 EUR. Larger amounts may be handled as a branch arrangement, where the fee is quoted separately on the offer. The credit card is a different product and its €0 is separate again.
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.
Other options to compare
Other matchups
- Compass vs HelloSafe (Atlas)
- Compass vs Income Insurance
- Compass vs WorldTrips
- ERGO Group Deutschland vs PetInsurer.com
- ERGO Group Deutschland vs MyPhysicianPlan
- ERGO Group Deutschland vs Polizza Vita con Bonus
- Compass vs HanseMerkur Reiseversicherung AT
- ERGO Group Deutschland vs Linxea
- ERGO Group Deutschland vs Explorer Travel Insurance
- Compass vs TravelSecure
- Compass vs Vuso UA
- ERGO Group Deutschland vs MSIG Insurance (Thailand)
- Compass vs Max Life Insurance
- Compass vs TIPINSURE
- Compass vs Acko
- ERGO Group Deutschland vs Lemonade
- Compass vs Alior