Age 35
Verified Top PickERGO gives a 13% start bonus on its private liability insurance (Privathaftpflicht) to young people aged up to 35 when the contract starts, as shown on its Privathaftpflicht page on 2 November 2026. The exact terms are in the contract documents shown before signing.
Limited Time Offer
6 Months
VerifiedOn ERGO's Dental-Schutz dental replacement tariffs you pay only 50% of the tariff premium in the first 6 contract months. They are taken out without health questions and can be cancelled monthly; benefit limits can apply in the first insurance years, as shown on ERGO's dental page on 2 November 2026.
Limited Time Offer
Nov 30
VerifiedFor funeral insurance (Sterbegeldversicherung) taken out until 30 November 2026, ERGO shortens the build-up period once by 6 months: 12 instead of 18 months in Komfort and Premium, 30 instead of 36 months in Basis. Entry age is 40 to 80 (85 in Komfort and Premium), with no health questions, as shown on 2 November 2026.
Expires: Nov 30, 2026
Referral
VerifiedFrom 1 October to 31 December 2026 ERGO pays customers a cash reward of up to €150 for each new customer they refer, depending on the tariff taken out. The new customer must not withdraw within 60 days and must pay the first 3 premiums, as shown on ERGO's referral page on 2 November 2026.
Expires: Dec 31, 2026
Rate
VerifiedERGO shows its Privat-Haftpflichtversicherung Smart in the Single tariff at €5.26 a month gross, for a 34-year-old paying monthly with €10 million cover and a 3-year contract term, as shown on its Privathaftpflicht page on 2 November 2026.
Limited Time Offer
Rate
VerifiedERGO's example price for its funeral insurance is €27.02 a month for a 60-year-old with €5,000 cover in the basic tariff, paying premiums up to age 90 with the surplus used as a death benefit bonus, as shown on its Sterbegeld page on 2 November 2026.
Limited Time Offer
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Extra codes from partner brands, refreshed alongside this store's offers.
A practical savings guide for shoppers using Ergo DE offers.
ERGO does not issue public codes. Its savings come as bonuses and introductory terms on specific tariffs, shown on each product page, plus a referral reward for existing customers.
Private liability insurance comes with a 13% start bonus for customers aged up to 35 at the start of the contract. On the Dental-Schutz dental replacement tariffs you pay half the premium in the first 6 contract months, with no health questions at sign-up. For funeral insurance taken out until 30 November 2026, the build-up period is 12 instead of 18 months in Komfort and Premium and 30 instead of 36 months in Basis. From 1 October to 31 December 2026, customers get up to €150 for each new customer they refer, if that customer keeps the contract past 60 days and pays the first 3 premiums. ERGO also lists a new Basic car insurance tariff for drivers switching by 30 November.
ERGO's examples are €5.26 a month for Privat-Haftpflicht Smart Single (age 34, €10 million cover, 3-year term) and €27.02 a month for €5,000 funeral cover at age 60. Dental tariffs show example prices of €12.70, €20.65 and €37.60 a month for a 26-year-old. Your own price depends on age and the cover chosen, so read the tariff documents before signing.
Offers on this page were checked on ERGO's own website on 2 November 2026.
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