Updated September 29, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs HelloSafe (Atlas)
ERGO Group Deutschland
Higher score in this comparison
HelloSafe (Atlas)
What sets them apart
| Compare | ERGO Group DeutschlandReviewVisitVisit | HelloSafe (Atlas)ReviewVisitVisit |
|---|---|---|
| Premium from | €3.90Lower | €9 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Travel |
| Provider type | Insurer | Broker |
| Monthly payments | YesHas it | No |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Emergency medical expenses EUR 500,000 - 2,500,000 |
| Claims channels | Online, Phone | Phone, Email, Chat |
| Age range | Under 36 (13% start bonus for young people) | All ages, every nationality |
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
- ERGO Group Deutschland scores higher overall: 9.3 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Premium from is lower at ERGO Group Deutschland: €3.90 vs €9.
- Monthly payments: only ERGO Group Deutschland.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only HelloSafe (Atlas) offers Email, Chat.
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.
HelloSafe (Atlas)
HelloSafe suits expats seeking travel cover through a broker model with helpful support across phone, email and chat for trip planning. Premiums start at €9 with emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000, while monthly payments stay unavailable for annual plans and cover remains travel focused.
Score breakdown
| Area | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| Cost | 9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 8.5Premiums start at €9 with annual payment in view. |
| Offer | 9.1Higher | 8.8Travel focus with emergency cover at Emergency medical expenses EUR 500,000 - 2,500,000 for expats. |
| Trust | 9.5Higher | 8.5Broker entry under licence 21008038 with assisted support. |
Where each is licensed and available
| Country | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| France | Not confirmed | ORIAS 21008038 |
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for HelloSafe (Atlas): 27.
Feature by feature
| Insurance types | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €3.90 for ERGO Group Deutschland and €9 for HelloSafe (Atlas).
HanseMerkur Reiseversicherung AT reviewWhat we checked
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
HelloSafe (Atlas)
- hellosafe.com: 8 facts, checked September 29, 2026
How they place
| Ranking | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| Insurance | 18 of 627 | 13 of 627 |
| Travel insurance | 10 of 278 | 6 of 278 |
Every fact side by side
| Fact | ERGO Group Deutschland | HelloSafe (Atlas) |
|---|---|---|
| Audience | Not confirmed | Expats |
| 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 | HelloSafe (Atlas) | Median |
|---|---|---|---|
| Premium from | €3.90below the median | €9above the median | €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.
HelloSafe (Atlas)
Pros
- Emergency medical expenses at Emergency medical expenses EUR 500,000 - 2,500,000 give clear headroom for travel medical needs
- Premiums start at €9, which sits near the middle of travel premiums across the site
- Support across email, chat and phone gives choice for questions and claims while travelling
Cons
- Life cover is not among its travel, so households wanting life protection alongside travel need a second provider
- Home and motor cover are not among its travel, which keeps the range narrow for households wanting bundled policies
- HelloSafe acts as broker, so policy terms and claims depend on the partner insurer behind each plan
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.
HelloSafe (Atlas)
Who it suits
- Expats seeking travel cover that is open to All ages, every nationality and arranged online
- Travellers who value emergency medical cover at Emergency medical expenses EUR 500,000 - 2,500,000 with support across email, chat and phone
Who should look elsewhere
- Households wanting life cover should look at Polizza Vita con Bonus, which focuses on life rather than travel
- Travellers seeking very low entry premiums could compare TravelSecure, which lists premiums starting at €5 against €9
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 | HelloSafe (Atlas) |
|---|---|---|
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 28 countries where either is available.
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.
HelloSafe (Atlas)
What does HelloSafe travel insurance cost?+
Premiums start at €9 for HelloSafe travel cover. The exact amount you pay depends on destination, duration, age and selected medical limits. You should compare the entry premium against emergency cover and trip features before choosing.
Can I pay for HelloSafe cover monthly?+
Monthly payments are listed as unavailable for annual travel cover. That means you pay for the selected period in a lump sum at purchase. If spreading cost across the year matters, compare providers that allow monthly payments.
Other options to compare
ERGO Group Deutschland vs MyPhysicianPlanHelloSafe (Atlas) vs MyPhysicianPlan
HanseMerkur Reiseversicherung AT
ERGO Group Deutschland vs HanseMerkur Reiseversicherung ATHelloSafe (Atlas) vs HanseMerkur Reiseversicherung AT
ERGO Group Deutschland vs MSIG Insurance (Thailand)HelloSafe (Atlas) vs MSIG Insurance (Thailand)
ERGO Group Deutschland vs Vuso UAHelloSafe (Atlas) vs Vuso UA
ERGO Group Deutschland vs TIPINSUREHelloSafe (Atlas) vs TIPINSURE
Other matchups
- ERGO Group Deutschland vs Income Insurance
- ERGO Group Deutschland vs WorldTrips
- ERGO Group Deutschland vs PetInsurer.com
- HelloSafe (Atlas) vs KS/AUXILIA
- ERGO Group Deutschland vs MyPhysicianPlan
- ERGO Group Deutschland vs Polizza Vita con Bonus
- ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
- HelloSafe (Atlas) vs AXA
- ERGO Group Deutschland vs Linxea
- HelloSafe (Atlas) vs HomeServe
- ERGO Group Deutschland vs Explorer Travel Insurance
- ERGO Group Deutschland vs Compass
- ERGO Group Deutschland vs MSIG Insurance (Thailand)
- ERGO Group Deutschland vs Vuso UA
- ERGO Group Deutschland vs TIPINSURE
- ERGO Group Deutschland vs Max Life Insurance
- ERGO Group Deutschland vs Acko
- ERGO Group Deutschland vs Lemonade
- ERGO Group Deutschland vs Nationwide
- ERGO Group Deutschland vs Alior