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Updated September 30, 2026 · SumCue Editorial Team

ERGO Group Deutschland vs TravelSecure

ERGO Group Deutschland scores 9.3 and TravelSecure 9.0 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
TravelSecure

TravelSecure

9.0/10
Visit

ERGO Group Deutschland vs TravelSecure: the differences

ERGO Group Deutschland vs TravelSecure
CompareERGO Group DeutschlandERGO Group DeutschlandReviewVisitVisitTravelSecureTravelSecureReviewVisitVisit
Premium from€3.90Lower€5
Insurance typesAuto, Home, Life, Health, Travel, Motorcycle, Dental, Income protectionCovers moreTravel
Monthly paymentsYesHas itNo
Claims channelsOnline, PhoneOnline, Email
Excess fromNot confirmed€25
Cover limit31,200 EUR sum insured (ERGO Hausratversicherung Smart, 48 sqm flat in Würzburg)Not confirmed
Age rangeUnder 36 (13% start bonus for young people)Not confirmed

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

  • ERGO Group Deutschland scores higher overall: 9.3 vs 9.0.
  • Premium from is lower at ERGO Group Deutschland: €3.90 vs €5.
  • Monthly payments: only ERGO Group Deutschland.
  • Insurance types: only ERGO Group Deutschland offers Auto, Home, Life.
  • Claims channels: only ERGO Group Deutschland offers Phone.
  • Claims channels: only TravelSecure offers Email.

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

TravelSecure

TravelSecure suits seniors seeking travel cover from an insurer setup with phone plus help centre support for claims handled online and by email. Premiums start at €5 with excess from €25, while monthly payments shape the budgeting trade off for annual cover.

Read the full TravelSecure review

Score breakdown

ERGO Group Deutschland vs TravelSecure
AreaERGO Group DeutschlandTravelSecure
Cost9.3HigherHeadline premium of €3.90 a month undercuts the site median of €8.31, and monthly payment is available.8.8Premiums start at €5 with excess from €25
Offer9.1Higher8.4Travel focus shown by travel with claims via online and email
Trust9.59.6HigherDirect insurer model shown by insurer for clear accountability

What each covers

ERGO Group Deutschland vs TravelSecure
Insurance typesERGO Group DeutschlandTravelSecure
AutoYesNo
HomeYesNo
LifeYesNo
HealthYesNo
TravelYesYes
MotorcycleYesNo
DentalYesNo
Income protectionYesNo

Where they rank in our lists

ERGO Group Deutschland vs TravelSecure
RankingERGO Group DeutschlandTravelSecure
Insurance18 of 62712 of 627
Travel insurance10 of 2785 of 278

A third option

HanseMerkur Reiseversicherung AT has premium from at €1.50, against €3.90 for ERGO Group Deutschland and €5 for TravelSecure.

HanseMerkur Reiseversicherung AT review

Every fact side by side

ERGO Group Deutschland vs TravelSecure
FactERGO Group DeutschlandTravelSecure
AudienceNot confirmedSeniors
Pricing modelMonthlyNot confirmed
Legal entityERGO Group AGNot confirmed
HeadquartersGermanyNot confirmed
Support channelsEmail, Chat, PhoneNot confirmed

Where each stands against the rest

ERGO Group Deutschland vs TravelSecure
FactERGO Group DeutschlandTravelSecureMedian
Premium from€3.90below the median€5below the median€6.02
Excess fromNot confirmed€25below the median€70

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.

TravelSecure

Pros

  • Direct insurer setup for clear accountability on travel policies
  • Premiums start at €5, below typical travel premium levels for budget planning
  • Claims routes via online and email give digital options for documentation and updates

Cons

  • Cover centres on travel only, so households wanting wider protection may look at AXA
  • Support runs on phone and help centre only, which limits choice for readers wanting chat or email help
  • Monthly payments are not available, so budgeting stays tied to €5 paid upfront

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.

TravelSecure

Who it suits

  • Seniors planning trips who value a direct insurer route for travel cover
  • Travellers comfortable paying upfront at €5 without monthly payments
  • Readers happy with phone plus help centre support via phone and help centre

Who should look elsewhere

  • Readers wanting life cover rather than trip cover may prefer Polizza Vita con Bonus given life
  • Readers wanting broker choice across many insurers may prefer Explorer Travel Insurance given broker
  • Readers wanting instalment budgeting may look beyond TravelSecure as monthly payments are not available

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 TravelSecure
CountryERGO Group DeutschlandTravelSecure
GermanyYesYes

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.

TravelSecure

What does TravelSecure cover?+

TravelSecure focuses on travel cover, so you arrange protection for trips rather than for home, auto or health needs. That narrow focus helps seniors compare trip options clearly. Check policy terms to confirm cancellation, medical and baggage scope before you buy.

How much does TravelSecure cost?+

Premiums start at €5 for trip cancellation style cover, with final cost shaped by trip value, duration and traveller profile. That entry point helps you gauge affordability early. Always compare excess, limits and exclusions alongside headline premium before purchase.

Other options to compare

ERGO Group Deutschland

Visit

TravelSecure

Visit