Updated September 28, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
ERGO Group Deutschland
HanseMerkur Reiseversicherung AT
Higher score in this comparison
What sets them apart
| Compare | ERGO Group DeutschlandReviewVisitVisit | HanseMerkur Reiseversicherung ATReviewVisitVisit |
|---|---|---|
| Premium from | €3.90 | €1.50Lower |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Travel, Pet, Gadget |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | 300,000 EUR for inpatient treatment abroad |
| Claims channels | Online, Phone | Online form, Phone |
| Age range | Under 36 (13% start bonus for young people) | up to 65 years of age |
| Monthly payments | Yes | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- HanseMerkur Reiseversicherung AT scores higher overall: 9.4 vs 9.3.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €3.90.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Pet, Gadget.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form.
- Support channels: only ERGO Group Deutschland offers Chat.
- Support channels: only HanseMerkur Reiseversicherung AT 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.
HanseMerkur Reiseversicherung AT
HanseMerkur Reiseversicherung AT suits travellers and pet owners who want one insurer for travel, pet and gadget cover, with premiums from €1.50. Support runs on phone, email and help centre, and it is an insurer rather than a broker, so cover sits with the company that sets the terms.
Score breakdown
| Area | ERGO Group Deutschland | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.3Headline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 9.8HigherPremiums start at €1.50, below the site median of €8.31 and the insurance ranking median of €7.95. |
| Offer | 9.1Higher | 8.8 |
| Trust | 9.5 | 9.5 |
Positions in our rankings
| Ranking | ERGO Group Deutschland | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Insurance | 18 of 627 | 4 of 627 |
| Travel insurance | 10 of 278 | 2 of 278 |
Choosing between them
Pick ERGO Group Deutschland if offer matter most.
Pick HanseMerkur Reiseversicherung AT if cost and premium from matter most.
Feature by feature
| Insurance types | ERGO Group Deutschland | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | No | Yes |
Where these facts come from
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
HanseMerkur Reiseversicherung AT
- hansemerkur.at: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | ERGO Group Deutschland | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1977 |
| Support channels | Email, Chat, Phone | Phone, Email, Help centre |
Where each stands against the rest
| Fact | ERGO Group Deutschland | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €3.90below the median | €1.50lowest quarter | €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.
HanseMerkur Reiseversicherung AT
Pros
- Premiums start at €1.50, well under the site median of €8.31 and the insurance ranking median of €7.95.
- It is an insurer, not a broker, so insurer means the cover and the claims are handled by the same company.
- One insurer covers travel, pet and gadget, so you can hold travel, pet and gadget policies in the same place.
Cons
- Entry is capped by age, at up to 65 years of age for the overseas health cover, so older travellers may be priced or turned away.
- Cover is limited to the categories listed in travel, pet and gadget, which do not include motor, home or life policies.
- A single competitor keeps its headline entry at €25, far above €1.50, though that figure is a savings product, not a policy.
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.
HanseMerkur Reiseversicherung AT
Who it suits
- Travellers buying a single-trip or annual policy who want an insurer behind the wording rather than a comparison site.
- Pet owners who want gadget and travel cover from the same insurer.
- Anyone who wants a low entry price and will deal with phone, email and help centre when something goes wrong.
Who should look elsewhere
- Anyone past the up to 65 years of age entry point for overseas health cover.
- If you need motor, home or life cover, since travel, pet and gadget does not list them.
- If you want to raise a claim only in an app, because online form and phone covers online form and phone.
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 | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | 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.
HanseMerkur Reiseversicherung AT
How much does a policy cost?+
Premiums start at €1.50 on the entry-level overseas health cover. That sits below the site median of €8.31 and the insurance ranking median of €7.95, so it is a low bar to enter. Trip length, destination and age shape the real price.
Who is behind the cover?+
You are contracting with an insurer, insurer, rather than a broker or a comparison site. The named company is HanseMerkur Reiseversicherung AG, based in Germany and trading since 1977. That means the terms, the claims handling and the payout all come from the same firm.
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