Updated September 28, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs Income Insurance
ERGO Group Deutschland
Income Insurance
Higher score in this comparison
What sets them apart
| Compare | ERGO Group DeutschlandReviewVisitVisit | Income InsuranceReviewVisitVisit |
|---|---|---|
| Premium from | €3.90 | SGD 0.60 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protection | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | Online, Phone | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | Under 36 (13% start bonus for young people) | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | SGD 250 |
Same on both: Provider type (Insurer).
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
- Income Insurance scores higher overall: 9.4 vs 9.3.
- Insurance types: only ERGO Group Deutschland offers Dental, Income protection.
- Insurance types: only Income Insurance offers Pet.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
- Support channels: only ERGO Group Deutschland offers Chat.
- Support channels: only Income Insurance 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.
Income Insurance
Income Insurance is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
Score breakdown
| Area | ERGO Group Deutschland | Income Insurance |
|---|---|---|
| Cost | 9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 9.1Starting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. |
| Offer | 9.1 | 9.5Higher |
| Trust | 9.5 | 9.5 |
Licences and countries
| Country | ERGO Group Deutschland | Income Insurance |
|---|---|---|
| Germany | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for Income Insurance: 1.
Feature by feature
| Insurance types | ERGO Group Deutschland | Income Insurance |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
How they place
| Ranking | ERGO Group Deutschland | Income Insurance |
|---|---|---|
| Insurance | 18 of 627 | 15 of 627 |
| Life insurance | 6 of 238 | 4 of 238 |
| Health insurance | 7 of 200 | 5 of 200 |
| Car insurance | 6 of 279 | 3 of 279 |
| Home insurance | 6 of 258 | 4 of 258 |
| Travel insurance | 10 of 278 | 8 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
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | ERGO Group Deutschland | Income Insurance |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | Income Insurance Limited |
| Headquarters | Germany | Singapore |
| Founded | Not confirmed | 1970 |
| Support channels | Email, Chat, Phone | Phone, Email, Help centre |
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.
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
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.
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
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
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | ERGO Group Deutschland | Income Insurance |
|---|---|---|
| Germany | Yes | No |
| Singapore | 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.
Income Insurance
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
Other options to compare
ERGO Group Deutschland vs MyPhysicianPlanIncome Insurance vs MyPhysicianPlan
HanseMerkur Reiseversicherung AT
ERGO Group Deutschland vs HanseMerkur Reiseversicherung ATIncome Insurance vs HanseMerkur Reiseversicherung AT
ERGO Group Deutschland vs HelloSafe (Atlas)Income Insurance vs HelloSafe (Atlas)
ERGO Group Deutschland vs MSIG Insurance (Thailand)Income Insurance vs MSIG Insurance (Thailand)
ERGO Group Deutschland vs Vuso UAIncome Insurance vs Vuso UA
ERGO Group Deutschland vs TIPINSUREIncome Insurance vs TIPINSURE
Other matchups
- ERGO Group Deutschland vs HelloSafe (Atlas)
- ERGO Group Deutschland vs WorldTrips
- ERGO Group Deutschland vs PetInsurer.com
- Income Insurance vs die Bayerische
- Income Insurance vs Porto Seguro
- Income Insurance vs KS/AUXILIA
- ERGO Group Deutschland vs MyPhysicianPlan
- ERGO Group Deutschland vs Polizza Vita con Bonus
- ERGO Group Deutschland vs HanseMerkur Reiseversicherung AT
- ERGO Group Deutschland vs Linxea
- Income Insurance vs HomeServe
- ERGO Group Deutschland vs Explorer Travel Insurance
- ERGO Group Deutschland vs TravelSecure
- 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
- Income Insurance vs DirectAsia
- ERGO Group Deutschland vs Alior
- Income Insurance vs WAS Insurance