Updated September 29, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs Linxea
ERGO Group Deutschland
Higher score in this comparison
Linxea
ERGO Group Deutschland vs Linxea: the differences
| Compare | ERGO Group DeutschlandReviewVisitVisit | LinxeaReviewVisitVisit |
|---|---|---|
| Premium from | €3.90Lower | €25 |
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Life |
| Provider type | Insurer | Broker |
| Claims channels | Online, Phone | Phone, Email, Post |
| Age range | Under 36 (13% start bonus for young people) | 18+ |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- ERGO Group Deutschland scores higher overall: 9.3 vs 8.7.
- Premium from is lower at ERGO Group Deutschland: €3.90 vs €25.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Health.
- Claims channels: only ERGO Group Deutschland offers Online.
- Claims channels: only Linxea offers Email, Post.
- Pricing model: only ERGO Group Deutschland offers Monthly.
- Pricing model: only Linxea offers Low fees.
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.
Linxea
Linxea suits expats in France seeking life cover linked to funds and bonds with easy access and variable returns. Opening asks €100 with 0% entry fee on Linxea Avenir 2, headline at 3% and cover at EU ICS up to EUR 20,000 with online management.
Score breakdown
| Area | ERGO Group Deutschland | Linxea |
|---|---|---|
| Cost | 9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 8.4Monthly cost stays at €0 with 0% entry fee on Linxea Avenir 2 keeping entry light |
| Offer | 9.1Higher | 8.9Life cover linked to funds and bonds with variable pricing at 3% |
| Trust | 9.5Higher | 8.8Oversight by ORIAS with cover at EU ICS up to EUR 20,000 stated |
Feature by feature
| Insurance types | ERGO Group Deutschland | Linxea |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
Where each is licensed and available
| Country | ERGO Group Deutschland | Linxea |
|---|---|---|
| France | Not confirmed | ORIAS 07031073 |
| Germany | Not confirmed |
Additional countries for ERGO Group Deutschland: 1. Additional countries for Linxea: 1.
How they place
| Ranking | ERGO Group Deutschland | Linxea |
|---|---|---|
| Insurance | 18 of 627 | 7 of 627 |
| Life insurance | 6 of 238 | 3 of 238 |
Also worth a look
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €3.90 for ERGO Group Deutschland and €25 for Linxea.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | ERGO Group Deutschland | Linxea |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Low fees |
| Legal entity | ERGO Group AG | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Support channels | Email, Chat, Phone | Not confirmed |
Savings
| Fact | ERGO Group Deutschland | Linxea |
|---|---|---|
| Headline rate | Not confirmed | 3% |
| Rate type | Not confirmed | Variable |
| Minimum deposit | Not confirmed | €100 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Not confirmed | Redemption from 100 EUR; euro fund capital 99.4% guaranteed; subscription and management 100% online |
| Monthly fee | Not confirmed | €0 |
| Account kind | Not confirmed | Easy access |
| Regulators | Not confirmed | ORIAS |
Where each stands against the rest
| Fact | ERGO Group Deutschland | Linxea | Median |
|---|---|---|---|
| Premium from | €3.90below the median | €25highest 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.
Linxea
Pros
- Entry premiums from €25 with monthly payments supported for gradual saving
- Ongoing account cost at €0 with 0% entry fee on Linxea Avenir 2 on Linxea Avenir cover
- Easy access structure via easy access linked to variable pricing at 3%
Cons
- Starting deposit of €100 sits above free entry at XTB at €0
- Stocks are not among its markets (funds and bonds), while DKB covers stocks, ETFs and bonds
- Cover centres on life life policies, which limits choice if you want health or travel add ons
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.
Linxea
Who it suits
- Expats in France seeking life savings over XTB if insurance structure matters more than trading
- Cost aware savers choosing Linxea over DKB if low entry fees matter more than equity breadth
Who should look elsewhere
- Traders wanting stocks and ETFs should consider DKB for broader market breadth beyond funds and bonds
- Savers wanting free entry should consider XTB given Linxea asks €100 to open
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
Linxea
Current offer
Bonus
100 EUR offerts ouverture Linxea Spirit 2 enfant mineur: 100 EUR
ouverture d'un contrat Linxea Spirit 2 pour enfant mineur
Source, checked September 26, 2026
Country by country
| Country | ERGO Group Deutschland | Linxea |
|---|---|---|
| France | 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.
Linxea
What does it cost to start and top up Linxea cover?+
You can open Linxea Avenir cover from €100 and add premiums from €25, with monthly payments supported. Management stays online, which helps you build savings gradually. Support across phone, help centre and community can guide you on scheduled payments and redemption options.
How does the headline rate work?+
Linxea lists a headline rate of 3% on a variable basis for relevant savings. Rates can move over time, so returns may vary across periods. You should view the rate alongside fund choice and euro fund terms before deciding if the structure fits your plans for flexible savings.
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