Updated September 29, 2026 · SumCue Editorial Team
ERGO Group Deutschland vs Polizza Vita con Bonus
ERGO Group Deutschland
Higher score in this comparison
Polizza Vita con Bonus
Where ERGO Group Deutschland and Polizza Vita con Bonus differ
| Compare | ERGO Group DeutschlandReviewVisitVisit | Polizza Vita con BonusReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers more | Life |
| Provider type | Insurer | Broker |
| Cover limit | 31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg) | 1000000 EUR |
| Age range | Under 36 (13% start bonus for young people) | 18-75 |
| Premium from | €3.90 | Not confirmed |
| Claims channels | Online, Phone | Not confirmed |
Same on both: 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 9.0.
- Insurance types: only ERGO Group Deutschland offers Auto, Home, Health.
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.
Polizza Vita con Bonus
Polizza Vita con Bonus suits adults seeking life cover through a broker, with monthly payments and cover of 1000000 EUR. Support across email, phone and chat and IVASS licence E000765298 help you verify the setup before you compare quotes and apply.
Score breakdown
| Area | ERGO Group Deutschland | Polizza Vita con Bonus |
|---|---|---|
| Cost | 9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available. | 9.1Monthly payments are available and the billing model is listed as monthly, which keeps premiums spread across the year. |
| Offer | 9.1Higher | 9.0Life focus shown in life with cover of 1000000 EUR and age range 18-75 defines the choice on offer. |
| Trust | 9.5Higher | 8.8Broker status shown in broker with IVASS licence E000765298 supports the trust view. |
Where each is licensed and available
| Country | ERGO Group Deutschland | Polizza Vita con Bonus |
|---|---|---|
| Germany | Not confirmed | |
| Italy | Not confirmed | IVASS E000765298 |
Additional countries for ERGO Group Deutschland: 1. Additional countries for Polizza Vita con Bonus: 1.
Positions in our rankings
| Ranking | ERGO Group Deutschland | Polizza Vita con Bonus |
|---|---|---|
| Insurance | 18 of 627 | 3 of 627 |
| Life insurance | 6 of 238 | 1 of 238 |
Sources behind this comparison
ERGO Group Deutschland
- ergo.de: 10 facts, checked September 26, 2026
- ergo.com: 1 fact, checked September 26, 2026
Polizza Vita con Bonus
- polizzavitaconbonus.it: 6 facts, checked September 29, 2026
Every fact side by side
| Fact | ERGO Group Deutschland | Polizza Vita con Bonus |
|---|---|---|
| Pricing model | Monthly | Monthly |
| 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 | Polizza Vita con Bonus | Median |
|---|---|---|---|
| Premium from | €3.90below the median | Not confirmed | €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.
Polizza Vita con Bonus
Pros
- Life cover focus shown in life with cover of 1000000 EUR
- Monthly payments are available with model listed as monthly
- Wide support choice shown in email, phone and chat, covering email, phone, chat and help centre
Cons
- Narrow life focus shown in life, while AXA lists wider lines in auto, home and renters
- Broker route shown in broker means cover is arranged rather than carried directly
- Age range 18-75 may exclude younger or older applicants seeking life cover
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.
Polizza Vita con Bonus
Who it suits
- For you if you want life cover with monthly payments rather than travel only cover from TravelSecure
- For you if you prefer broker help with age range 18-75 rather than the wider AXA shelf
- For you if you value choice of email, phone, chat and help centre shown in email, phone and chat
Who should look elsewhere
- Not for you if you want travel cover only, where TravelSecure may fit better given its travel focus
- Not for you if you want many lines with a single large insurer, where AXA may fit better given its wider range
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 | Polizza Vita con Bonus |
|---|---|---|
| Germany | Yes | No |
| Italy | 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.
Polizza Vita con Bonus
What type of insurance does Polizza Vita con Bonus arrange?+
This provider arranges life cover, as shown in life. Cover is described as 1000000 EUR. You should check terms, exclusions and medical questions with the provider before you apply for protection.
How much life cover can you request?+
Cover is listed as 1000000 EUR. The sum you may obtain will depend on age, health, term and underwriting. You should ask for a personal quote and read the policy schedule to confirm the insured sum.
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