Updated September 28, 2026 · AssureCue Editorial Team
Alior vs Getsafe
Alior vs Getsafe: the differences
| Compare |  Alior |  Getsafe |
|---|---|---|
| Premium from | PLN 15,000 | €2.90 |
| Insurance types | Auto, Home, Life, Travel, Income protection | Home, Dental, Life, Health, Travel, Pet, Income protection |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | Up to 4x the official German vet fee rate |
| Claims channels | Phone, Email, Help centre | App, Phone, Chat |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €0 |
| Age range | Children from birth to 26 years of age | Not confirmed |
Same on both: Provider type (Broker).
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Key differences
- Getsafe scores higher overall: 9.1 vs 8.6.
- Founded is lower at Alior: 2008 vs 2015.
- Getsafe is available in 1 more country.
- Insurance types: only Alior offers Auto.
- Insurance types: only Getsafe offers Dental, Health, Pet.
- Claims channels: only Alior offers Email, Help centre.
- Claims channels: only Getsafe offers App, Chat.
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.
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Score breakdown
| Area | Alior | Getsafe |
|---|---|---|
| Cost | 8.0Premium from PLN 15,000 sits well above the €8.37 typical across the site | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. |
| Offer | 9.4 | 9.5Higher |
| Trust | 8.7Higher | 8.6 |
What each covers
| Insurance types | Alior | Getsafe |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Dental | No | Yes |
| Income protection | Yes | Yes |
How they place
| Ranking | Alior | Getsafe |
|---|---|---|
| Home insurance | 30 of 273 | 18 of 273 |
| Life insurance | 23 of 263 | 14 of 263 |
| Travel insurance | 39 of 296 | 27 of 296 |
| Income protection insurance | 6 of 92 | 4 of 92 |
Every fact side by side
| Fact | Alior | Getsafe |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Alior Bank S.A. (KRS 0000305178) | Getsafe Digital GmbH |
| Headquarters | Poland | Germany |
| Founded | 2008Lower | 2015 |
| Support channels | Phone, Email, Help centre, Chat | Email, Phone, Chat, Help centre |
Where each stands against the rest
| Fact | Alior | Getsafe | Median |
|---|---|---|---|
| Excess from | Not confirmed | €0below 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
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
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
Country by country
| Country | Alior | Getsafe |
|---|---|---|
| Austria | No | Yes |
| 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.
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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