Updated September 29, 2026 · AssureCue Editorial Team
Absa vs andsafe
What sets them apart
| Compare |  Absa |  andsafe |
|---|---|---|
| Premium from | ZAR 115 | €10.57 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Gadget | Auto, Home, Travel, Pet, Bicycle |
| Cover limit | R6,000,000 | 30 Mio. EUR |
| Claims channels | Phone, Email, Online portal, Self service app | Online |
| Excess from | Not confirmed | €0 |
| Age range | 3 months to 89 years | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- andsafe scores higher overall: 9.6 vs 9.4.
- Insurance types: only Absa offers Life, Health, Gadget.
- Insurance types: only andsafe offers Bicycle.
- Claims channels: only Absa offers Phone, Email, Online portal.
- Claims channels: only andsafe offers Online.
- Support channels: only Absa offers Community.
- Support channels: only andsafe offers Chat.
Our verdict on each
Absa
Absa suits South African households that want car, home, life, health, travel, pet and gadget cover from one insurer rather than separate insurers, with monthly payments available. Pet cover starts at ZAR 115, and life cover runs to a limit of R6,000,000.
andsafe
andsafe suits small firms in construction, cleaning, crafts, hospitality plus IT and consulting that want direct insurer cover with monthly billing. Premiums run €10.57 with indemnity of €10,000,000 and claims filed through online, which keeps routine protection simple to manage.
Score breakdown
| Area | Absa | andsafe |
|---|---|---|
| Cost | 9.1 | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. |
| Offer | 9.7Higher | 9.5Business cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. |
| Trust | 9.6 | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. |
Where each is licensed and available
| Country | Absa | andsafe |
|---|---|---|
| Germany | Not confirmed | |
| South Africa | National Credit Regulator NCRCP7 | Not confirmed |
Additional countries for Absa: 1. Additional countries for andsafe: 1.
Side by side, item by item
| Insurance types | Absa | andsafe |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Gadget | Yes | No |
| Bicycle | No | Yes |
How they place
| Ranking | Absa | andsafe |
|---|---|---|
| Car insurance | 64 of 375 | 4 of 375 |
| Home insurance | 48 of 273 | 3 of 273 |
| Travel insurance | 80 of 295 | 8 of 295 |
| Pet insurance | 37 of 167 | 3 of 167 |
Every fact side by side
| Fact | Absa | andsafe |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Absa Bank Limited | andsafe Aktiengesellschaft |
| Headquarters | South Africa | Germany |
| Support channels | Email, Phone, Help centre, Community | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Absa | andsafe | Median |
|---|---|---|---|
| Excess from | Not confirmed | €0below the median | €50 |
Median across 71 listed insurance providers.
Pros and cons
Absa
Pros
- One insurer holds auto, home and life, so several personal lines sit in the same place.
- Monthly payments are available, and monthly is the payment model on pet cover.
- Support runs on email, phone and help centre, and claims start on phone, email and online portal.
Cons
- The starting premium of ZAR 115 is a pet figure, so it does not set the price of a car or home policy.
- Cost scores 5.6 out of ten and the premium ranks 107 of 252 brands, so the price signal sits mid-table.
- Support runs on email, phone and help centre with no live chat listed, while claims add phone, email and online portal.
andsafe
Pros
- Direct insurer cover across public liability, professional indemnity and property for liability and property risks in listed trades.
- Indemnity of €10,000,000 for business liability alongside private liability of 30 Mio. EUR.
- Excess terms at €0 on selected liability, with premiums run €10.57 for contents.
Cons
- Business cover centres on public liability, professional indemnity and property, while Hiscox also lists employers liability and cyber within public liability, professional indemnity and employers liability.
- Premiums run €10.57 for contents cover, which can look dear against lean entry offers elsewhere.
- Claims run through online, which may feel narrow if you prefer phone led claims handling.
Who each suits
Absa
Who it suits
- Households in ZA wanting several personal lines with one insurer rather than separate ones.
- Seniors, listed under seniors, and families with young children, since travel cover runs for ages 3 months to 89 years.
- Pet owners paying monthly, as monthly payments are available and pet cover starts at ZAR 115.
Who should look elsewhere
- Readers shopping on the starting price alone, since bunq lists €0 and Euroasia Insurance quotes UZS 60,000.
- Buyers after renters or motorcycle cover, which Good Sam Insurance Agency lists in auto, home and renters.
andsafe
Who it suits
- Trade and service firms that want liability plus property under public liability, professional indemnity and property from a direct insurer.
- Households that also want auto, home, travel, pet or bicycle cover under auto, home and travel in the same place.
Who should look elsewhere
- Firms that need cyber or employers liability should compare Hiscox, since andsafe centres on public liability, professional indemnity and property.
- Shoppers that want broker choice across many carriers may prefer a marketplace over a direct insurer under insurer.
Current offers
Absa
Current offer
Bonus
Get your first three Life Cover premiums back after six months: First three Life Cover premiums refunded
If you are an Absa Transactional Banking customer registered for Digital Banking. Subject to terms and conditions.
Source, checked September 26, 2026
Bonus
Eyenu Nonke Funeral Plan: Funeral cover of up to R30 000 for you, your spouse and immediate family members
Source, checked September 26, 2026
Discount code
Get up to 40% of your motor premiums back for driving well: Up to 40% of motor premiums returned
Source, checked September 26, 2026
Country by country
| Country | Absa | andsafe |
|---|---|---|
| Germany | No | Yes |
| South Africa | Yes | No |
Questions about each
Absa
How much does Absa insurance cost?+
The published starting premium is ZAR 115, and it applies to pet insurance. Monthly payments are available, so that figure can be spread through the year rather than paid in one sum. Every other line is quoted per policy.
Which kinds of insurance does Absa offer?+
Absa is an insurer, and its auto, home and life list covers car, home, life, health, travel, pet and gadget. Car cover is sold as comprehensive car insurance, so the personal lines can sit with one company instead of several.
andsafe
What does andsafe charge for business cover?+
Premiums run €10.57 for contents cover, while excess terms sit at €0 on selected liability. The exact amount you pay depends on trade, turnover, limits and options chosen, so use the quote path to confirm your rate before purchase.
Which types of insurance does andsafe provide?+
Business cover spans public liability, professional indemnity and property, covering public liability, professional indemnity and property risks. Personal lines span auto, home and travel, namely auto, home, travel, pet and bicycle, so you can keep several everyday policies with the same provider.
Other options to compare
Other matchups
- andsafe vs HelloSafe (Atlas)
- andsafe vs WorldTrips
- Absa vs Principal
- Absa vs ARAG
- Absa vs Aviva
- andsafe vs Sundays Bike Insurance
- andsafe vs Hiscox
- andsafe vs die Bayerische
- andsafe vs Kingpolis
- andsafe vs Laka
- andsafe vs ALA Insurance
- andsafe vs Hiscox UK
- andsafe vs KS Auxilia
- Absa vs MyPhysicianPlan
- Absa vs Polizza Vita con Bonus
- Absa vs HanseMerkur Reiseversicherung AT
- Absa vs Linxea
- andsafe vs Explorer Travel Insurance
- andsafe vs TravelSecure
- andsafe vs TIPINSURE
- andsafe vs Vuso UA
- andsafe vs Lemonade
- andsafe vs Getsafe
- andsafe vs WAS Insurance
- andsafe vs MoneyHero
- andsafe vs BizCover (Australia)
- andsafe vs Insify.fr