Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs HanseMerkur Reiseversicherung AT
What sets them apart
| Compare |  andsafe |  HanseMerkur Reiseversicherung AT |
|---|---|---|
| Premium from | €10.57 | €1.50Lower |
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Travel, Pet, Gadget |
| Cover limit | 30 Mio. EUR | 300,000 EUR for inpatient treatment abroad |
| Claims channels | Online | Online form, Phone |
| Monthly payments | Yes | Not confirmed |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | up to 65 years of age |
Same on both: Provider type (Insurer).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.4.
- HanseMerkur Reiseversicherung AT is licensed in 1 more country.
- HanseMerkur Reiseversicherung AT is available in 1 more country.
- Premium from is lower at HanseMerkur Reiseversicherung AT: €1.50 vs €10.57.
- Insurance types: only andsafe offers Auto, Home, Bicycle.
- Insurance types: only HanseMerkur Reiseversicherung AT offers Gadget.
- Claims channels: only andsafe offers Online.
- Claims channels: only HanseMerkur Reiseversicherung AT offers Online form, Phone.
- Support channels: only andsafe offers 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.
HanseMerkur Reiseversicherung AT
HanseMerkur Reiseversicherung AT suits travellers who want a low entry price from an insurer rather than a broker, with premiums starting at €1.50. The trade-off is a firm built around travel, with cover set at 300,000 EUR for inpatient treatment abroad for inpatient treatment abroad and entry ending at up to 65 years of age.
Score breakdown
| Area | andsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Cost | 9.4Premiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.7HigherEntry premiums of €1.50 sit under the €8.37 median across the site. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.8 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.5 |
Which one suits you
Pick andsafe if offer and trust matter most.
Pick HanseMerkur Reiseversicherung AT if cost and premium from matter most.
Side by side, item by item
| Insurance types | andsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Gadget | No | Yes |
| Bicycle | Yes | No |
Licences and countries
| Country | andsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Germany | ||
| Austria | Not confirmed |
Available in 1 country for both. Additional countries for HanseMerkur Reiseversicherung AT: 1.
How they place
| Ranking | andsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Travel insurance | 8 of 291 | 2 of 291 |
| Pet insurance | 3 of 161 | 1 of 161 |
Every fact side by side
| Fact | andsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | andsafe Aktiengesellschaft | HanseMerkur Reiseversicherung AG |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1977 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | andsafe | HanseMerkur Reiseversicherung AT | Median |
|---|---|---|---|
| Premium from | €10.57above the median | €1.50lowest quarter | €5.97 |
| Excess from | €0below the median | Not confirmed | €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.
HanseMerkur Reiseversicherung AT
Pros
- Entry premiums start at €1.50, under the €8.37 recorded across the site.
- The company is an insurer, so HanseMerkur Reiseversicherung AG carries the risk on travel, pet and gadget cover and settles its own claims.
- Support runs on phone, email and help centre, and claims can be opened on online form and phone, so a call or a form covers both.
Cons
- Inpatient treatment abroad is capped at 300,000 EUR for inpatient treatment abroad, so a long stay or a private room runs into your own pocket.
- Eligibility ends at up to 65 years of age, which closes the policy for older travellers.
- Claims start on online form and phone, with no written claims address given.
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.
HanseMerkur Reiseversicherung AT
Who it suits
- Travellers buying a single trip policy who want the cover handled by the insurer rather than a broker
- Households that want travel and pet cover from the same group
- People who would rather report a claim by phone or on an online form
Who should look elsewhere
- Travellers past up to 65 years of age, who will find the entry age closed and need another provider
- Drivers, renters or life buyers: Good Sam Insurance Agency lists auto, home and renters
- Shoppers shopping the Swiss market, where bonus.ch opens at CHF 0
Country by country
| Country | andsafe | HanseMerkur Reiseversicherung AT |
|---|---|---|
| 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.
HanseMerkur Reiseversicherung AT
What does a HanseMerkur policy start at?+
Entry premiums run from €1.50 for the travel line, and pet and gadget cover sit in the same group. Across the site the typical entry premium is €8.37, while the travel ranking sits at €7.93, so the opening price is low in both.
Who regulates HanseMerkur Reiseversicherung AT?+
It is an insurer, supervised in Austria by FMA Finanzmarktaufsicht and in Germany by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin). Because the cover is underwritten by the insurer rather than arranged through a broker, the premium goes to the firm that carries the risk.
Other options to compare
andsafe vs WorldTripsHanseMerkur Reiseversicherung AT vs WorldTrips
andsafe vs MyPhysicianPlanHanseMerkur Reiseversicherung AT vs MyPhysicianPlan
andsafe vs Explorer Travel InsuranceHanseMerkur Reiseversicherung AT vs Explorer Travel Insurance
andsafe vs HelloSafe (Atlas)HanseMerkur Reiseversicherung AT vs HelloSafe (Atlas)
HanseMerkur Reiseversicherung AT vs MSIG Insurance (Thailand)
andsafe vs TIPINSUREHanseMerkur Reiseversicherung AT vs TIPINSURE
andsafe vs LemonadeHanseMerkur Reiseversicherung AT vs Lemonade
andsafe vs GetsafeHanseMerkur Reiseversicherung AT vs Getsafe
andsafe vs WAS InsuranceHanseMerkur Reiseversicherung AT vs WAS Insurance
andsafe vs MoneyHeroHanseMerkur Reiseversicherung AT vs MoneyHero
Other matchups
- andsafe vs WorldTrips
- HanseMerkur Reiseversicherung AT vs Income Insurance
- andsafe vs Kingpolis
- andsafe vs Laka
- andsafe vs Sundays Bike Insurance
- andsafe vs ALA Insurance
- andsafe vs Hiscox UK
- andsafe vs die Bayerische
- andsafe vs KS Auxilia
- andsafe vs MyPhysicianPlan
- andsafe vs Explorer Travel Insurance
- andsafe vs TravelSecure
- andsafe vs HelloSafe (Atlas)
- andsafe vs TIPINSURE
- andsafe vs Vuso UA
- HanseMerkur Reiseversicherung AT vs MSIG Insurance (Thailand)
- andsafe vs Lemonade
- HanseMerkur Reiseversicherung AT vs Compass
- andsafe vs Getsafe
- andsafe vs WAS Insurance
- andsafe vs Kingsbridge Insurance
- andsafe vs MoneyHero
- andsafe vs BizCover (Australia)
- andsafe vs Insify.fr
Related by the facts
- KS Auxilia, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Travel
- Insurance providers available in Germany
- HanseMerkur, also regulated by Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Pet
- Insurance providers with Auto