Updated September 28, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs Europaeiske ERV DK
ERGO Group Deutschland
Europaeiske ERV DK
Higher score in this comparison
ERGO Group Deutschland vs Europaeiske ERV DK: the differences
| Compare | ERGO Group DeutschlandReviewVisitVisit | Europaeiske ERV DKReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Travel, Health, Gadget |
| Age range | Under 36 (13% start bonus for young people) | under 36 for Rejseforsikring Ung and Backpacker |
| Premium from | €3.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | DKK 0 |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Not confirmed |
Same on both: Provider type (Insurer), Claims channels (Online, Phone).
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Key differences
- Europaeiske ERV DK scores higher overall: 9.4 vs 9.3.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Insurance types: only Europaeiske ERV DK offers Gadget.
- Support channels: only ERGO Group Deutschland offers Chat.
- Support channels: only Europaeiske ERV DK offers Help centre.
Our verdict on each
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.
Europaeiske ERV DK
Europaeiske ERV DK is a Danish insurer built around expats, with travel as the core product and health and gadget cover alongside it, and an excess of DKK 0 on the listed policies. It suits people living in Denmark who travel out, and falls short for anyone wanting motor, home or life lines.
Score breakdown
| Area | ERGO Group Deutschland | Europaeiske ERV DK |
|---|---|---|
| Cost | 9.3Headline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 9.6Higher |
| Offer | 9.1Higher | 8.8 |
| Trust | 9.5 | 9.6Higher |
How they place
| Ranking | ERGO Group Deutschland | Europaeiske ERV DK |
|---|---|---|
| Insurance | 18 of 627 | 90 of 627 |
| Health insurance | 7 of 200 | 31 of 200 |
| Travel insurance | 10 of 278 | 53 of 278 |
Every fact side by side
| Fact | ERGO Group Deutschland | Europaeiske ERV DK |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | ERGO Forsikring A/S (CVR 62940514), formerly Europæiske Rejseforsikring A/S |
| Headquarters | Germany | Denmark |
| Founded | Not confirmed | 1921 |
| Support channels | Email, Chat, Phone | Email, Phone, Help centre |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Europaeiske ERV DK | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €6.02 |
Median across 116 listed providers.
Pros and cons
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.
Europaeiske ERV DK
Pros
- A Danish insurer founded in 1921, with policies written by ERGO Forsikring A/S, previously Europæiske Rejseforsikring A/S.
- Travel, health and gadget cover sit in one range: travel, health and gadget.
- The listed excess is DKK 0, so nothing is held back on a straightforward claim.
Cons
- The range is travel, health and gadget, so motor, home and life lines are not part of the offer here.
- The age rule is under 36 for Rejseforsikring Ung and Backpacker, so older travellers buying only the young or backpacker policies have to look elsewhere.
- Euroasia Insurance covers auto, home and travel, a wider set of personal lines than this range.
Who each suits
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.
Europaeiske ERV DK
Who it suits
- Expats based in Denmark who travel back to their home country.
- Backpackers and young travellers who meet the age rule in under 36 for Rejseforsikring Ung and Backpacker.
- Anyone wanting health and gadget extras on the same trip policy, since travel, health and gadget covers all three.
Who should look elsewhere
- Linxea, whose cover is life, suits people saving for life cover rather than a trip.
- Oney Préstamos ES, listing health, life and gadget, is the pick when treatment cover matters more than the journey.
- Euroasia Insurance, covering auto, home and travel, fits households wanting motor and home lines in one place.
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 | ERGO Group Deutschland | Europaeiske ERV DK |
|---|---|---|
| Denmark | No | Yes |
| Germany | Yes | No |
Questions about each
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.
Europaeiske ERV DK
How much does a policy cost?+
The listed excess is DKK 0, and the premium you pay depends on trip length, destination and cover level rather than one published price. Across the site's insurance listings, starting premiums have a median of €7.95, so use that as a yardstick for your quote.
Who is behind the policy?+
The policy is written by ERGO Forsikring A/S, previously Europæiske Rejseforsikring A/S, which sits in DK and has traded since 1921. It is listed as insurer, so the contract runs with the company named on the document rather than through an intermediary.
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ERGO Group Deutschland
Europaeiske ERV DK