Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs die Bayerische
Where andsafe and die Bayerische differ
| Compare |  andsafe |  die Bayerische |
|---|---|---|
| Cover types | Public liability, Professional indemnity, PropertyCovers more | Public liability, Property |
| Premium from | €10.57 | €2.09Lower |
| Excess from | €0 | €0 to €35 |
| Industries | Construction, cleaning, crafts, hospitality, IT and consulting | Retail, construction, cleaning, hospitality and health professions |
| Indemnity limit | €10,000,000 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Premium from is lower at die Bayerische: €2.09 vs €10.57.
- Cover types: only andsafe offers Professional indemnity.
Our verdict on each
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.
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 | andsafe | die Bayerische |
|---|---|---|
| Cost | 9.4Premiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.4Entry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. |
| Offer | 9.5Business cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.6Higher |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.7 |
What each covers
| Cover types | andsafe | die Bayerische |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | Yes | No |
| Property | Yes | Yes |
Choosing between them
Pick andsafe if cover types matter most.
Pick die Bayerische if premium from matter most.
Where they rank in our lists
| Ranking | andsafe | die Bayerische |
|---|---|---|
| Car insurance | 4 of 393 | 50 of 393 |
| Home insurance | 3 of 272 | 34 of 272 |
| Travel insurance | 8 of 291 | 64 of 291 |
| Pet insurance | 3 of 161 | 27 of 161 |
| Business insurance | 7 of 150 | 28 of 150 |
| Public liability insurance | 3 of 51 | 9 of 51 |
What we checked
andsafe
- andsafe.de: 10 facts, checked September 28, 2026
die Bayerische
- diebayerische.de: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | andsafe | die Bayerische |
|---|---|---|
| Legal entity | andsafe Aktiengesellschaft | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1858 |
| Support channels | Email, Chat, Phone, Help centre | Phone, Email, Chat, Help centre |
Personal insurance
| Fact | andsafe | die Bayerische |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, Gadget |
| Pricing model | Monthly | Monthly |
| Cover limit | 30 Mio. EUR | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | Online | Online, Post, PhoneCovers more |
Where each stands against the rest
| Fact | andsafe | die Bayerische | Median |
|---|---|---|---|
| Premium from | €10.57above the median | €2.09lowest quarter | €7.99 |
| Excess from | €0below the median | €0 to €35below the median | €100 |
Median across 27 listed insurance providers.
Pros and cons
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.
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
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.
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
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 | andsafe | die Bayerische |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
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.
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.
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