Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Explorer Travel Insurance
What sets them apart
| Compare |  andsafe |  Explorer Travel Insurance |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, BicycleCovers more | Travel |
| Provider type | Insurer | Broker |
| Excess from | €0 | £0 |
| Claims channels | Online | Phone, Email |
| Premium from | €10.57 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Cover limit | 30 Mio. EUR | Not confirmed |
| Age range | Not confirmed | Single trip no max; annual to 79 |
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Key differences
- andsafe scores higher overall: 9.6 vs 8.9.
- Explorer Travel Insurance is available in 3 more countries.
- Insurance types: only andsafe offers Auto, Home, Pet.
- Claims channels: only andsafe offers Online.
- Claims channels: only Explorer Travel Insurance offers Phone, Email.
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.
Explorer Travel Insurance
Explorer Travel Insurance suits holidaymakers seeking dedicated travel cover with clear age terms covering Single trip no max; annual to 79 and claims support across phone and email. Backed as a broker model with excess at £0, it records an overall rating of 8.9 among travel focused providers on this site.
Score breakdown
| Area | andsafe | Explorer Travel Insurance |
|---|---|---|
| Cost | 9.4Premiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.6HigherExcess sits at £0 which supports low extra cost at claim stage. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.4Cover stays centred on travel across travel with defined age terms. |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.7Broker status is stated as broker under licence 583108. |
Where each is licensed and available
| Country | andsafe | Explorer Travel Insurance |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 583108 |
Additional countries for andsafe: 1. Additional countries for Explorer Travel Insurance: 4.
Where these facts come from
andsafe
- andsafe.de: 11 facts, checked September 29, 2026
Explorer Travel Insurance
- explorerinsurance.co.uk: 5 facts, checked September 29, 2026
How they place
| Ranking | andsafe | Explorer Travel Insurance |
|---|---|---|
| Travel insurance | 8 of 291 | 5 of 291 |
Every fact side by side
| Fact | andsafe | Explorer Travel Insurance |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | andsafe Aktiengesellschaft | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | andsafe | Explorer Travel Insurance | Median |
|---|---|---|---|
| Premium from | €10.57above the median | Not confirmed | €5.97 |
Median across 109 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.
Explorer Travel Insurance
Pros
- Excess is shown as £0, which keeps small claims from being eroded by a large retained amount.
- Cover is dedicated to travel, which suits travellers who value a focused travel range over bundled lines.
- Claims contact spans phone and email, giving you both phone and email routes when you need help abroad.
Cons
- Range stays limited to travel so households wanting bundled home or motor cover may look elsewhere.
- Support runs on email and phone only, so travellers who prefer live chat or help centre contact may find choice narrow.
- Annual cover carries age terms noted in Single trip no max; annual to 79, so older travellers seeking yearly cover should check limits closely.
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.
Explorer Travel Insurance
Who it suits
- Frequent holidaymakers who want travel only protection may choose Explorer Travel Insurance over AXA because cover stays on travel rather than a wide household panel.
- Mature single trip travellers who value phone help may choose Explorer Travel Insurance over MyPhysicianPlan because support spans email and phone with age terms set out in Single trip no max; annual to 79.
Who should look elsewhere
- Travellers wanting bundled car, home and health cover in a single place may prefer AXA because Explorer Travel Insurance covers travel only across travel.
- Travellers who want direct insurer placement may prefer TravelSecure because Explorer Travel Insurance acts as broker rather than insurer.
Country by country
| Country | andsafe | Explorer Travel Insurance |
|---|---|---|
| Germany | Yes | No |
| Guernsey | No | Yes |
| Isle of Man | No | Yes |
| Jersey | No | Yes |
| United Kingdom | No | 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.
Explorer Travel Insurance
What excess applies to Explorer Travel Insurance?+
Excess is listed as £0, which reads as free at the point shown. Your final premium will still vary by trip length, destination, age and options chosen, so review the quote summary before payment.
Does Explorer Travel Insurance cover anything besides travel?+
Insurance types are shown as travel. That focus suits travellers who want a dedicated travel provider rather than a bundled household insurer, though you will need separate arrangements for other lines.
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