Updated September 28, 2026 · SumCue Editorial Team
ERGO Group vs LV=
ERGO Group
LV=
Higher score in this comparison
Where ERGO Group and LV= differ
| Compare | ERGO GroupReviewSee alternativesSee alternatives | LV=ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Auto, Home, Dental, Health, Life, Travel, Motorcycle, Income protection | Auto, Home, Pet, Travel, Life |
| Premium from | €20.65 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Cover limit | up to 100% premium protection, dental | Not confirmed |
| Claims channels | Online, Phone, Post | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- LV= scores higher overall: 9.6 vs 9.2.
- Founded is lower at LV=: 1843 vs 1997.
- ERGO Group is available in 22 more countries.
- Insurance types: only ERGO Group offers Dental, Health, Motorcycle.
- Insurance types: only LV= offers Pet.
Our verdict on each
ERGO Group
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.
LV=
LV= is a UK insurer built for seniors, offering auto, home, pet, travel and life cover from one provider (auto, home and pet). It suits UK households that want every policy under one roof and value a long trading record, having traded as an insurer since 1843.
Score breakdown
| Area | ERGO Group | LV= |
|---|---|---|
| Cost | 8.9Premiums start at €20.65, above the €25 and €0 comparison points. | Not confirmed |
| Offer | 9.3 | 9.3 |
| Trust | 9.4 | 9.7Higher |
How they place
| Ranking | ERGO Group | LV= |
|---|---|---|
| Insurance | 165 of 627 | 60 of 627 |
| Life insurance | 79 of 238 | 19 of 238 |
| Car insurance | 79 of 279 | 21 of 279 |
| Home insurance | 77 of 258 | 20 of 258 |
| Travel insurance | 89 of 278 | 39 of 278 |
Every fact side by side
| Fact | ERGO Group | LV= |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | ERGO Group AG | Liverpool Victoria Financial Services Ltd |
| Headquarters | Germany | United Kingdom |
| Founded | 1997 | 1843Lower |
| Support channels | Email, Chat, Phone | Not confirmed |
Where each stands against the rest
| Fact | ERGO Group | LV= | Median |
|---|---|---|---|
| Premium from | €20.65highest quarter | Not confirmed | €6.02 |
Median across 116 listed providers.
Pros and cons
ERGO Group
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
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
LV=
Pros
- One insurer covers auto, home, pet, travel and life, so several policies can sit with the same provider (auto, home and pet).
- A long trading record as an insurer, dating back to 1843.
- Policies are issued by a named legal entity, Liverpool Victoria Financial Services Ltd (Liverpool Victoria Financial Services Ltd).
Cons
- Cover runs to auto, home, pet, travel and life only, so health and gadget policies sit outside the listed set (auto, home and pet).
- The listed audience is seniors, so a younger household falls outside the stated focus (seniors).
Who each suits
ERGO Group
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
LV=
Who it suits
- UK households who would rather place their car, home, pet, travel and life policies with one provider (auto, home and pet).
- Seniors comparing a range shaped around older customers (seniors).
- People who put weight on longevity and on knowing the entity that issues the policy (1843, Liverpool Victoria Financial Services Ltd).
Who should look elsewhere
- Anyone after health or gadget cover, as those types sit outside the listed set of auto, home, pet, travel and life (auto, home and pet).
- Life-only shoppers who would find Linxea's single listed type a tighter fit (life).
- Readers who want travel paired with gadget cover, the mix EuroAsia Insurance lists (auto, home and travel).
Country by country
| Country | ERGO Group | LV= |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| China | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
8 of 23 countries where either is available.
Questions about each
ERGO Group
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.
LV=
What kinds of insurance does LV= sell?+
Its listed cover spans auto, home, pet, travel and life, which lets a household place several policies with the same provider (auto, home and pet). Auto and home sit alongside smaller lines such as pet and travel, plus life cover for the longer term. Each policy keeps its own terms, so read them one by one.
Who is LV= aimed at?+
The listed audience is seniors, so the range is shaped around older households rather than every age group (seniors). Younger buyers can still find car, home, pet and travel lines in the same list, but the audience focus is what separates this brand from the other names compared here.
Other options to compare
Other matchups
ERGO Group