Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Updated September 28, 2026 · SumCue Editorial Team

ERGO Group Deutschland vs Nationwide

ERGO Group Deutschland scores 9.3 and Nationwide 9.1 out of 10. Compare their differences and shared features below.
ERGO Group Deutschland

ERGO Group Deutschland

Higher score in this comparison

9.3/10
Visit

Nationwide

9.1/10
Visit

ERGO Group Deutschland vs Nationwide: the differences

ERGO Group Deutschland vs Nationwide
CompareERGO Group DeutschlandERGO Group DeutschlandReviewVisitVisitNationwideReviewVisitVisit
Premium from€3.90$35
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionAuto, Home, Renters, Life, Motorcycle, Pet
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)USD 50,000 per bike (custom motorcycle insurance)
Claims channelsOnline, PhoneCovers morePhone
Age rangeUnder 36 (13% start bonus for young people)Not confirmed

Same on both: Provider type (Insurer), Monthly payments (Yes).

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 9.1.
  • Insurance types: only ERGO Group Deutschland offers Health, Travel, Dental.
  • Insurance types: only Nationwide offers Renters, Pet.
  • Claims channels: only ERGO Group Deutschland offers Online.
  • Support channels: only ERGO Group Deutschland offers Email, Chat.
  • Support channels: only Nationwide 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.

Read the full ERGO Group Deutschland review

Nationwide

Nationwide is a US insurer selling auto, home, renters, life, motorcycle and pet cover, with premiums from $35 payable monthly. It suits households that want every policy type under a single long-standing provider, and it prices above the site median, so shoppers on a tight budget get a thinner field here.

Read the full Nationwide review

Score breakdown

ERGO Group Deutschland vs Nationwide
AreaERGO Group DeutschlandNationwide
Cost9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available.8.8Premiums start at $35 on monthly payments, above the site median €8.31, and the brand ranks 192 of 251 on premium from.
Offer9.1Higher8.6
Trust9.59.6Higher

Where each is licensed and available

ERGO Group Deutschland vs Nationwide
CountryERGO Group DeutschlandNationwide
GermanyNot confirmed

Additional countries for ERGO Group Deutschland: 1. Additional countries for Nationwide: 1.

Sources behind this comparison

ERGO Group Deutschland

  • ergo.de: 10 facts, checked September 26, 2026
  • ergo.com: 1 fact, checked September 26, 2026

Nationwide

  • nationwide.com: 11 facts, checked September 26, 2026

How they place

ERGO Group Deutschland vs Nationwide
RankingERGO Group DeutschlandNationwide
Insurance18 of 62733 of 627
Life insurance6 of 23812 of 238
Car insurance6 of 27914 of 279
Home insurance6 of 25813 of 258

Every fact side by side

ERGO Group Deutschland vs Nationwide
FactERGO Group DeutschlandNationwide
Pricing modelMonthlyMonthly
Legal entityERGO Group AGNationwide Mutual Insurance Company
HeadquartersGermanyUnited States
FoundedNot confirmed1925
Support channelsEmail, Chat, PhonePhone, 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.

Nationwide

Pros

  • Cover spans auto, home, renters, life, motorcycle and pet (auto, home and renters), so a household can keep its policies with a single provider.
  • Premiums can be paid monthly (monthly) instead of in one payment, which helps month to month cash flow.
  • Support runs on phone and help centre, giving a phone line and an online help centre as listed routes to the insurer.

Cons

  • Premiums from $35 sit above the site median €8.31, and the brand holds position 192 on premium from out of 251 brands ranked.
  • Claims run on phone alone and support is limited to phone and help centre, so written and chat routes are not offered.
  • The headline premium is quoted in US dollars ($35) by a US insurer, which adds a currency step for UK and European buyers.

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.

Nationwide

Who it suits

  • US households taking out several kinds of personal policy who want a single provider on the paperwork.
  • Motorcycle owners after custom bike cover, where limits reach USD 50,000 per bike (custom motorcycle insurance).
  • Pet owners who would rather add pet cover to an existing auto policy than shop it on its own.

Who should look elsewhere

  • Linxea, at €25, sits closer to readers comparing euro savings products rather than US personal lines.
  • bunq, with a premium from €0, suits readers who want euro everyday banking rather than policy cover.

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

ERGO Group Deutschland vs Nationwide
CountryERGO Group DeutschlandNationwide
GermanyYesNo
United StatesNoYes

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.

Nationwide

What can I insure with Nationwide?+

Nationwide lists auto, home, renters, life, motorcycle and pet (auto, home and renters), so most of a household's personal cover can sit with a single provider rather than a separate insurer for each line. Motorcycle cover is sold as its own line as well as a custom policy for individual bikes.

How much does Nationwide cost?+

Nationwide quotes premiums from $35 on its personal insurance lines. That figure sits above the site median of €8.31, and Nationwide sits at 192 on premium from among 251 brands ranked, so it is not the cheapest field here.

Other options to compare

ERGO Group Deutschland

Visit

Nationwide

Visit