Updated September 28, 2026 · AssureCue Editorial Team
Alior vs die Bayerische
Where Alior and die Bayerische differ
| Compare |  Alior |  die Bayerische |
|---|---|---|
| Premium from | PLN 15,000 | €2.09 |
| Insurance types | Auto, Home, Life, Travel, Income protection | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more |
| Provider type | Broker | Insurer |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | Phone, Email, Help centre | Online, Post, Phone |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €0 to €35 |
| Age range | Children from birth to 26 years of age | Not confirmed |
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.6.
- Founded is lower at die Bayerische: 1858 vs 2008.
- Insurance types: only die Bayerische offers Motorcycle, Health, Dental.
- Claims channels: only Alior offers Email, Help centre.
- Claims channels: only die Bayerische offers Online, Post.
Our verdict on each
Alior
Alior suits people in Poland who want one bank to hold their everyday money and their cover. Insurance starts at PLN 15,000, well above the €8.37 most listed brands charge, so the price is the first thing to weigh.
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
Score breakdown
| Area | Alior | die Bayerische |
|---|---|---|
| Cost | 8.0Premium from PLN 15,000 sits well above the €8.37 typical across the site | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. |
| Offer | 9.4 | 9.6Higher |
| Trust | 8.7 | 9.7Higher |
Licences and countries
| Country | Alior | die Bayerische |
|---|---|---|
| Germany | Not confirmed | |
| Poland | Not confirmed |
Additional countries for Alior: 1. Additional countries for die Bayerische: 1.
How they place
| Ranking | Alior | die Bayerische |
|---|---|---|
| Car insurance | 34 of 394 | 53 of 394 |
| Home insurance | 30 of 273 | 37 of 273 |
| Life insurance | 23 of 263 | 34 of 263 |
| Travel insurance | 39 of 296 | 71 of 296 |
| Income protection insurance | 6 of 92 | 7 of 92 |
Feature by feature
| Insurance types | Alior | die Bayerische |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Dental | No | Yes |
| Income protection | Yes | Yes |
| Gadget | No | Yes |
Sources behind this comparison
Alior
- aliorbank.pl: 9 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Alior | die Bayerische |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Alior Bank S.A. (KRS 0000305178) | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Poland | Germany |
| Founded | 2008 | 1858Lower |
| Support channels | Phone, Email, Help centre, Chat | Phone, Email, Chat, Help centre |
Business insurance
| Fact | Alior | die Bayerische |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
| Industries | Not confirmed | Retail, construction, cleaning, hospitality and health professions |
Where each stands against the rest
| Fact | Alior | die Bayerische | Median |
|---|---|---|---|
| Excess from | Not confirmed | €0 to €35below the median | €70 |
Median across 68 listed insurance providers.
Pros and cons
Alior
Pros
- One app handles the account and the cover, with phone, email and help centre for questions
- Cover spans auto, home and life so most needs sit in one place
- Life cover for borrowers is set at up to the amount of the loan granted
Cons
- Premium from PLN 15,000 is well above the €8.37 across the site
- As a broker, the policy sits with an insurer, so terms come from that insurer
- Age range runs to Children from birth to 26 years of age, so older customers sit outside the children's cover
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
Who each suits
Alior
Who it suits
- Existing Alior banking customers who want cover in the same place
- People buying a home, car or travel policy alongside a loan
- Polish residents who prefer dealing in Polish and hold accounts at a domestic bank
Who should look elsewhere
- Anyone chasing the lowest entry price, since bunq lists a premium from €0
- Buyers wanting pet, health or motorcycle cover, where Good Sam Insurance Agency lists more lines
- Shoppers wanting a single insurer rather than a broker
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
Current offers
Alior
Current offer
Discount code
Ubezpieczenie NNW PZU EDUKACJA - 10% taniej dla klientow Alior Banku: 10% discount
Discount applied automatically when moving to the mojePZU service; for NNW PZU Edukacja policies concluded by 31.05.2027
Source, checked September 26, 2026
Bonus
Alior Konto z premia do 800 zl plus stylowa obraczka platnicza: Bonus up to 800 PLN plus payment ring
Open an Alior Konto / Alior Konto Plus account online with the code PREMIA2026; separate bonus terms apply
Source, checked September 26, 2026
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | Alior | die Bayerische |
|---|---|---|
| Germany | No | Yes |
| Poland | Yes | No |
Questions about each
Alior
What does insurance cost at Alior?+
Cover starts at PLN 15,000, which is the figure the bank publishes. That sits above the €8.37 most brands on the site start at, so Alior is not the cheapest way into cover here. The exact premium depends on the policy, the sum insured and the term you pick.
Does Alior insure directly or act as a broker?+
Alior is a broker, so an insurer underwrites the policy while the bank sells it. That distinction matters at claims stage, because the contract, the terms and the payout all come from the insurer. The distribution activity is listed with the Komisja Nadzoru Finansowego register of insurance agents.
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.