Updated September 29, 2026 · SumCue Editorial Team
Europ Assistance vs helden.de
Europ Assistance
Higher score in this comparison
helden.de
Europ Assistance vs helden.de: the differences
| Compare | Europ AssistanceReviewSee alternativesSee alternatives | helden.deReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Auto, Home, Health, Home emergency, Breakdown, Dental | Home, Pet |
| Provider type | Insurer | Broker |
| Claims channels | Phone | Online claim form, Email, Phone, AppCovers more |
| Premium from | Not confirmed | €3.52 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €150 |
| Cover limit | Not confirmed | Up to 50 million EUR sum insured (Privathaftpflicht) |
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Key differences
- Europ Assistance scores higher overall: 9.2 vs 8.9.
- Founded is lower at Europ Assistance: 1963 vs 2015.
- Europ Assistance is licensed in 1 more country.
- Insurance types: only Europ Assistance offers Travel, Auto, Health.
- Insurance types: only helden.de offers Pet.
- Claims channels: only helden.de offers Online claim form, Email, App.
- Support channels: only helden.de offers Help centre, Chat, Community.
- Audience: only Europ Assistance offers Seniors.
- Audience: only helden.de offers Business.
Our verdict on each
Europ Assistance
Europ Assistance is a French insurer aimed at seniors who want travel, motor, home, health, home emergency, breakdown and dental cover from the same provider, and it has traded since 1963. Claims run on phone only, so help is a phone call away.
helden.de
helden.de suits German households and small businesses wanting home, contents and pet cover placed through a single broker, with premiums from €3.52. Monthly payments and a free switching service ease the move, though the cover itself sits with partner insurers rather than with helden.de itself.
Score breakdown
| Area | Europ Assistance | helden.de |
|---|---|---|
| Cost | Not confirmed | 9.0Premiums start at €3.52, below the site median of €8.31, and monthly payments are available. |
| Offer | 8.7 | 9.4Higher |
| Trust | 9.5Higher | 8.5 |
How they place
| Ranking | Europ Assistance | helden.de |
|---|---|---|
| Insurance | 167 of 627 | 351 of 627 |
| Home insurance | 78 of 258 | 174 of 258 |
Every fact side by side
| Fact | Europ Assistance | helden.de |
|---|---|---|
| Audience | Seniors | Business |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Europ Assistance SAS | helden.de GmbH |
| Headquarters | France | Germany |
| Founded | 1963Lower | 2015 |
| Support channels | Phone, Email | Email, Phone, Help centre, Chat, CommunityCovers more |
Credit cards
| Fact | Europ Assistance | helden.de |
|---|---|---|
| Perks | Not confirmed | Helden Code referral discount equal to 1/12 (one monthly premium) off the annual premium, Free switching service: helden.de cancels the previous insurer at no extra cost, Best Schutz guarantee package (Top Schutz, Besitzstands, Lueckenlos, Innovations) included at no extra cost, 24/7 Schutzbrief emergency service for key, tradesman, moving and hotel services |
Where each stands against the rest
| Fact | Europ Assistance | helden.de | Median |
|---|---|---|---|
| Premium from | Not confirmed | €3.52below the median | €6.02 |
| Excess from | Not confirmed | €150above the median | €70 |
Median across 116 listed providers.
Pros and cons
Europ Assistance
Pros
- Covers travel, auto and home, from holidays to a home emergency or a broken-down car.
- Support runs on phone and email, so help comes by phone or by email.
- Claims run on phone, which suits people who prefer to speak to someone.
Cons
- Claims run on phone only, so there is no written route for making a claim.
- Support is limited to phone and email, with no chat or self-service option listed.
- The audience is seniors, so it is a specialist pick rather than a policy for every household.
helden.de
Pros
- Premiums start at €3.52, under the site median of €8.31
- Registered in the Versicherungsvermittlerregister with Handelskammer Hamburg, licence D-8CPR-CYNFZ-14
- A free switching service cancels the old insurer at no extra cost.
Cons
- An excess of €150 applies on the private liability cover, so small claims cost you money
- Car and travel cover are not among its insurance types, which list home and pet (home and pet)
- broker is a broker, so the policy sits with a partner insurer rather than with helden.de
Who each suits
Europ Assistance
Who it suits
- Seniors and older households who want travel, home, health and dental cover from the same provider.
- People who would rather call phone than fill in forms after a problem.
- Households running several small policies across travel, auto and home and looking to simplify.
Who should look elsewhere
- Anyone shopping for life cover: Linxea writes life policies.
- Buyers who want a lender alongside the policy: Oney Préstamos ES covers health, life and gadget.
- People focused on motor and travel abroad: Euroasia Insurance lists auto, home and travel.
helden.de
Who it suits
- Renters and homeowners in Germany covering contents, private liability and pets
- Small businesses that need a broker to place cover and handle the switch
- Anyone who prefers monthly premiums over a single annual payment
Who should look elsewhere
- Anyone wanting a single insurer with its own claims team, since broker is a broker
- Drivers looking for car cover, as home and pet lists home and pet only
- Shoppers in markets outside Germany, since the register entry with Handelskammer Hamburg covers DE
Current offers
helden.de
Current offer
Discount code
General Helden Code HELD5: 1/12 of the annual premium off permanently
Code entered in the price step during online checkout; applies to all helden.de products; maximum 2 Helden Codes per contract; discount lasts for the whole contract term
Source, checked September 26, 2026
Country by country
| Country | Europ Assistance | helden.de |
|---|---|---|
| Germany | No | Yes |
Questions about each
Europ Assistance
Who does Europ Assistance write cover for?+
The audience is seniors, and the listed product range is travel, auto and home. That mix leans on home emergencies, breakdowns, travel and dental work rather than large motor policies, so it reads as an assistance-led insurer for older households.
How do I make a claim?+
Claims run on phone, so a claim starts with a call rather than a form. General support is wider, at phone and email, but the written channel is not offered for claims. Keep your policy details handy before you dial, since the listed claim channel is voice only.
helden.de
How much does cover cost on helden.de?+
Premiums start at €3.52, which sits below the site median of €8.31. The figure is a starting point for the smallest policy, so a household with contents and pet cover will pay more. Most plans are set up on monthly payments.
Is helden.de an insurer or a broker?+
It is a broker, as broker shows, so policies are placed with partner insurers and the cover sits with them. That matters if you want to know who pays a claim. The legal entity behind the site is helden.de GmbH, based in Germany.
Other options to compare
Europ Assistance
helden.de