Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Getsafe
Where andsafe and Getsafe differ
| Compare |  andsafe |  Getsafe |
|---|---|---|
| Premium from | €10.57 | €2.90Lower |
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Home, Dental, Life, Health, Travel, Pet, Income protection |
| Provider type | Insurer | Broker |
| Cover limit | 30 Mio. EUR | Up to 4x the official German vet fee rate |
| Claims channels | Online | App, Phone, Chat |
Same on both: Monthly payments (Yes), Excess from (€0).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.1.
- Getsafe is available in 1 more country.
- Premium from is lower at Getsafe: €2.90 vs €10.57.
- Insurance types: only andsafe offers Auto, Bicycle.
- Insurance types: only Getsafe offers Dental, Life, Health.
- Claims channels: only andsafe offers Online.
- Claims channels: only Getsafe offers App, Phone, Chat.
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.
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 | andsafe | Getsafe |
|---|---|---|
| Cost | 9.4Premiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.4Premiums start at €2.90 with an excess of €0, and monthly is monthly only. |
| Offer | 9.5Business cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.5 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.6 |
What each covers
| Insurance types | andsafe | Getsafe |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Dental | No | Yes |
| Income protection | No | Yes |
| Bicycle | Yes | No |
Where they rank in our lists
| Ranking | andsafe | Getsafe |
|---|---|---|
| Home insurance | 3 of 272 | 18 of 272 |
| Travel insurance | 8 of 291 | 26 of 291 |
| Pet insurance | 3 of 161 | 11 of 161 |
Licences and countries
| Country | andsafe | Getsafe |
|---|---|---|
| Germany | Industrie- und Handelskammer Rhein-Neckar D-QYBT-RIQKC-30 |
Available in 1 country for both. Additional countries for Getsafe: 1.
If neither fits
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €10.57 for andsafe and €2.90 for Getsafe.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | andsafe | Getsafe |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | Getsafe Digital GmbH |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Chat, Phone, Help centre | Email, Phone, Chat, Help centre |
Where each stands against the rest
| Fact | andsafe | Getsafe | Median |
|---|---|---|---|
| Premium from | €10.57above the median | €2.90below the median | €5.97 |
| Excess from | €0below the median | €0below the median | €70 |
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.
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
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.
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.
Country by country
| Country | andsafe | Getsafe |
|---|---|---|
| Austria | No | Yes |
| 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.
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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