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ERGO Group review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

ERGO Group suits German households wanting personal cover from one insurer, with premiums from €20.65. Monthly payments are available, so budgets spread out. Buyers shopping purely on the lowest starting price may find cheaper entry points elsewhere.

Key facts

Best for
German households wanting several kinds of personal cover under one insurer
Premium from
€20.65↗
Insurance types
Auto, Home, Dental, Health, Life, Travel, Motorcycle, Income-protection↗
Provider type
Insurer↗
Monthly payments
Yes↗
Cover limit
up to 100% premium protection, dental↗
Claims channels
Online, Phone, Post↗
Legal entity
ERGO Group AG↗
Headquarters
Germany↗
Founded
1997↗
Support channels
Email, Chat, Phone↗
Pricing model
Monthly
Official website
ergo.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedInyoutube.com

Pros and cons

Pros

  • Premium from €20.65, a mid-range entry price for personal cover
  • Monthly payments available, so premiums spread across the year
  • Cover spans auto, home and dental
  • Support runs on email, chat and phone

Cons

  • Starting premium of €20.65 sits above €25 and €0
  • Claims can be made online, phone and post only
  • Premium protection runs to up to 100% premium protection, dental
ERGO Group

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Scored 9.2 / 10 by SumCue.

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Who it suits

  • German households insuring a car, home or health cover together
  • People who prefer paying premiums monthly
  • Applicants wanting a named insurer rather than a broker

Who should look elsewhere

  • Shoppers wanting the lowest entry price, where €25 is lower
  • Anyone needing claim handling outside online, phone and post
  • Buyers looking for a savings platform, since Linxea covers that instead

Deposit protection

ERGO Group is an insurer operating under 1997 foundations as ERGO Group AG, with its base in Germany. Its regulator is Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). Because premiums go to the insurer rather than a savings platform, the money funds cover rather than a deposit balance.

How ERGO Group compares

Where ERGO Group is available

Available
Austria, Belgium, China, Czechia, Denmark, Estonia, France, Germany, Greece, India, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Norway, Poland, Singapore, Spain, Sweden, Thailand, United Kingdom, United States
Licence in Germany
Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the cheapest ERGO Group cover cost?+

Premiums start at €20.65 for the entry-level product. That sits above the €25 and €0 starting points, so ERGO Group is not the cheapest way into cover.

Can ERGO Group cover be paid monthly?+

Monthly payments are available, so premiums can be spread across the year rather than paid in one sum. This suits households with steady monthly income who prefer a predictable outgoing payment.

What kinds of cover does ERGO Group sell?+

The range covers auto, home and dental. That breadth means a single insurer can handle a car, home, health and travel policy, which suits households who prefer one provider for several risks.

How do I make a claim with ERGO Group?+

Claims can be submitted online, phone and post. Anyone who needs to handle a claim only in person may find those channels narrower than they expect.

Who regulates ERGO Group?+

The company is supervised by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). The legal entity is ERGO Group AG, based in Germany and operating since 1997.

Is the money I pay a deposit?+

No, ERGO Group is an insurer, so premiums fund cover rather than sitting as a deposit balance. Readers who want their money to remain available should look at a savings product instead.

How do I reach ERGO Group for help?+

Support runs on email, chat and phone, so questions can go by email, live chat or phone. Callers who prefer a branch visit are not covered by these channels.

How does ERGO Group compare with Linxea?+

The two serve different needs: ERGO Group sells personal insurance starting at €20.65, while Linxea starts at €25 on a savings product. Choose by whether the money funds cover or a savings account.

Sources

  • ergo.com checked September 26, 2026

    Backs: Provider type

    “ERGO is one of the leading international insurance groups ... As an insurer, we do this as simply, quickly and conveniently as possible.”

  • ergo.com/en/company/about-ergo/facts-and-figures checked September 26, 2026

    Backs: Founded

    “1997 D.A.S., DKV, Hamburg-Mannheimer and Victoria merge to establish the ERGO Insurance Group”

  • ergo.com/en/imprint checked September 26, 2026

    Backs: Headquarters, Legal entity, Licences

    “ERGO Group AG, ERGO-Platz 1, 40477 Düsseldorf, Germany”

  • ergo.de checked September 26, 2026

    Backs: Insurance types, Pricing model, Monthly payments, Premium from, Support channels

    “z. B. 20,65 € monatlich ... Monatliches Kündigungsrecht”

  • ergo.de/de/Produkte/Zahnzusatzversicherung/Zahnzusatzvers... checked September 26, 2026

    Backs: Claims channels, Cover limit

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

ERGO Group

ERGO Group

German households wanting several kinds of personal cover under one insurer

9.2/10See alternatives