Updated September 29, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs Explorer Travel Insurance
ERGO Group Deutschland
Higher score in this comparison
Explorer Travel Insurance
Where ERGO Group Deutschland and Explorer Travel Insurance differ
| Compare | ERGO Group DeutschlandReviewVisitVisit | Explorer Travel InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Travel |
| Provider type | Insurer | Broker |
| Claims channels | Online, Phone | Phone, Email |
| Age range | Under 36 (13% start bonus for young people) | Single trip no max; annual to 79 |
| Premium from | €3.90 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | £0 |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Not confirmed |
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Key differences
- ERGO Group Deutschland scores higher overall: 9.3 vs 8.9.
- Explorer Travel Insurance is available in 3 more countries.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only Explorer Travel Insurance offers Email.
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.
Explorer Travel Insurance
Explorer Travel Insurance suits travellers who want cover arranged through a broker with support by email and phone, with excess shown as £0 and cover focused on travel in travel. Active since 2011, it keeps the range narrow while claims run through phone and email.
Score breakdown
| Area | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Cost | 9.3Headline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 9.6HigherExcess shown as £0 keeps claim cost free at point of claim. |
| Offer | 9.1Higher | 8.4Cover centres on travel with age terms set out in Single trip no max; annual to 79. |
| Trust | 9.5Higher | 8.7Authorisation under 583108 supports clear oversight. |
Pick ERGO Group Deutschland if, pick Explorer Travel Insurance if
Pick ERGO Group Deutschland if offer, trust, and insurance types matter most.
Pick Explorer Travel Insurance if cost matter most.
Licences and countries
| Country | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 583108 |
Additional countries for ERGO Group Deutschland: 1. Additional countries for Explorer Travel Insurance: 4.
Where they rank in our lists
| Ranking | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Insurance | 18 of 627 | 11 of 627 |
| Travel insurance | 10 of 278 | 4 of 278 |
Sources behind this comparison
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
Explorer Travel Insurance
- explorerinsurance.co.uk: 5 facts, checked September 29, 2026
Every fact side by side
| Fact | ERGO Group Deutschland | Explorer Travel Insurance |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Support channels | Email, Chat, Phone | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Explorer Travel Insurance | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €6.02 |
| Excess from | Not confirmed | £0below the median | £30 |
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.
Explorer Travel Insurance
Pros
- Travel focused range shown in travel, which keeps choice clear for holiday cover.
- Excess from £0 is free at the starting level, which helps with small claims.
- Support and claims by phone and email through email and phone and phone and email.
Cons
- Cover stays limited to travel, so households wanting auto or home cover may prefer AXA.
- Support runs on email and phone only, so travellers wanting chat help may look elsewhere.
- Age terms in Single trip no max; annual to 79 cap annual cover, so older frequent travellers should check limits.
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.
Explorer Travel Insurance
Who it suits
- Travellers who want travel cover arranged by a broker, unlike dealing direct with TravelSecure as insurer.
- Travellers happy to manage policies by email and phone through email and phone, rather than chat.
Who should look elsewhere
- Households wanting car, home or health cover as well as travel, where AXA lists wider auto, home and renters.
- Travellers seeking life cover, where Polizza Vita con Bonus focuses on life insurance.
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 | Explorer Travel Insurance |
|---|---|---|
| Germany | Yes | No |
| Guernsey | No | Yes |
| Isle of Man | No | Yes |
| Jersey | No | Yes |
| United Kingdom | No | Yes |
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.
Explorer Travel Insurance
What type of cover does Explorer Travel Insurance offer?+
Explorer Travel Insurance arranges cover focused on travel, as shown in travel. It acts under broker, so policies are placed with underwriters rather than carried in house. Check policy wording for limits, exclusions and trip terms before you buy.
Who regulates Explorer Travel Insurance?+
It is authorised under 583108 by the Financial Conduct Authority. That authorisation means conduct rules apply to how products are sold and serviced. You can check the register entry before you arrange cover.
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