Updated September 30, 2026 · AssureCue Editorial Team
ALA Insurance vs andsafe
Where ALA Insurance and andsafe differ
| Compare |  ALA Insurance |  andsafe |
|---|---|---|
| Premium from | £45 | €10.57 |
| Insurance types | Breakdown, Bicycle, Van | Auto, Home, Travel, Pet, Bicycle |
| Provider type | Broker | Insurer |
| Excess from | £0 | €0 |
| Cover limit | GBP 15,000 per bike | 30 Mio. EUR |
| Claims channels | Phone, Email | Online |
Same on both: Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 8.9.
- Insurance types: only ALA Insurance offers Breakdown, Van.
- Insurance types: only andsafe offers Auto, Home, Travel.
- Claims channels: only ALA Insurance offers Phone, Email.
- Claims channels: only andsafe offers Online.
- Support channels: only andsafe offers Chat, Help centre.
Our verdict on each
ALA Insurance
ALA Insurance suits you if you want breakdown, bicycle or van cover from a specialist broker rather than an insurer, with premiums from £45 and monthly payments available. Claims run through phone and email and bicycle cover extends to GBP 15,000 per bike, which frames the trade-off around niche focus rather than broad household cover.
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 | ALA Insurance | andsafe |
|---|---|---|
| Cost | 9.0Premiums start at £45 with excess from £0 which supports entry cost clarity. | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. |
| Offer | 8.7Focused range at breakdown, bicycle and van with bicycle limits at GBP 15,000 per bike shapes choice. | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. |
| Trust | 8.9Broker model at broker under licence 571109 supports oversight. | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. |
How they place
| Ranking | ALA Insurance | andsafe |
|---|---|---|
| Car insurance | 228 of 393 | 4 of 393 |
| Bicycle insurance | 8 of 9 | 1 of 9 |
What we checked
ALA Insurance
- ala.co.uk: 12 facts, checked September 30, 2026
andsafe
- andsafe.de: 11 facts, checked September 29, 2026
Every fact side by side
| Fact | ALA Insurance | andsafe |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ALA IB Limited | andsafe Aktiengesellschaft |
| Headquarters | United Kingdom | Germany |
| Founded | 2005 | Not confirmed |
| Support channels | Email, Phone | Email, Chat, Phone, Help centreCovers more |
Pros and cons
ALA Insurance
Pros
- Premiums from £45 with excess from £0 and Monthly payments is yes, giving you clear entry pricing
- Bicycle cover to GBP 15,000 per bike within breakdown, bicycle and van, which is rare among general car focused rivals
- Broker model at broker under 571109, unlike unregulated sellers elsewhere
Cons
- Range stays around breakdown, bicycle and van without auto or home cover, unlike Allianz Malaysia which lists auto, motorcycle and home
- Support runs on email and phone only, which gives you fewer contact routes than brands with chat or help centre options
- Claims run through phone and email only, so you manage claims by phone or email rather than through wider digital channels
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
ALA Insurance
Who it suits
- You need van or breakdown protection alongside cycling cover and prefer ALA Insurance range at breakdown, bicycle and van over LV= at auto, home and pet
- You value phone based help and monthly billing, where ALA Insurance offers email and phone and Monthly payments is yes
- You ride a valuable bike and want the stated ceiling at GBP 15,000 per bike rather than vague contents extensions
Who should look elsewhere
- You want auto plus home and life together, where LV= lists auto, home and pet while ALA Insurance stays on breakdown, bicycle and van
- You want broad household and motor risks in a single portfolio, where Allianz Malaysia lists auto, motorcycle and home beyond niche van and bicycle lines
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.
Country by country
| Country | ALA Insurance | andsafe |
|---|---|---|
| Germany | No | Yes |
| United Kingdom | Yes | No |
Questions about each
ALA Insurance
What does ALA Insurance cost to start?+
Premiums start at £45 for breakdown cover, which gives you a clear entry signal before you compare options. Excess starts at £0, and Monthly payments is yes, so you can spread cost across the year rather than paying in a lump sum.
Is ALA Insurance regulated?+
ALA Insurance is a broker operating as broker, with authorisation under 571109 from the Financial Conduct Authority. That licence means you deal with a regulated intermediary rather than an unregulated seller, while the underwriter remains behind the broker arrangement.
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 WorldTrips
- ALA Insurance vs Sundays Bike Insurance
- andsafe vs Kingpolis
- andsafe vs Laka
- andsafe vs Hiscox UK
- andsafe vs die Bayerische
- andsafe vs KS Auxilia
- andsafe vs MyPhysicianPlan
- andsafe vs HanseMerkur Reiseversicherung AT
- andsafe vs Explorer Travel Insurance
- andsafe vs TravelSecure
- andsafe vs HelloSafe (Atlas)
- andsafe vs TIPINSURE
- andsafe vs Vuso UA
- andsafe vs Lemonade
- andsafe vs Getsafe
- andsafe vs WAS Insurance
- andsafe vs Kingsbridge Insurance
- andsafe vs MoneyHero
- andsafe vs BizCover (Australia)
- andsafe vs Insify.fr
Related by the facts
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Bicycle
- Insurance providers available in United Kingdom
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Van
- Insurance providers available in Germany