Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs HelloSafe (Atlas)
Where andsafe and HelloSafe (Atlas) differ
| Compare |  andsafe |  HelloSafe (Atlas) |
|---|---|---|
| Premium from | €10.57 | €9Lower |
| Insurance types | Auto, Home, Travel, Pet, BicycleCovers more | Travel |
| Provider type | Insurer | Broker |
| Monthly payments | YesHas it | No |
| Cover limit | 30 Mio. EUR | Emergency medical expenses EUR 500,000 - 2,500,000 |
| Claims channels | Online | Phone, Email, Chat |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | All ages, every nationality |
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Key differences
- andsafe scores higher overall: 9.6 vs 8.6.
- HelloSafe (Atlas) is available in 27 more countries.
- Premium from is lower at HelloSafe (Atlas): €9 vs €10.57.
- Monthly payments: only andsafe.
- Insurance types: only andsafe offers Auto, Home, Pet.
- Claims channels: only andsafe offers Online.
- Claims channels: only HelloSafe (Atlas) offers Phone, Email, 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.
HelloSafe (Atlas)
HelloSafe suits expats seeking dedicated travel cover with broad eligibility described as All ages, every nationality and clear broker status for careful comparison. Entry premiums of €9 make starting costs easy to compare for travellers weighing medical protection of Emergency medical expenses EUR 500,000 - 2,500,000 against price before buying cover online.
Score breakdown
| Area | andsafe | HelloSafe (Atlas) |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 8.5Entry premiums of €9 keep starting costs modest for travel buyers. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.9Cover spans Emergency medical expenses EUR 500,000 - 2,500,000 while eligibility stays broad with All ages, every nationality. |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.5Broker model disclosed as broker with ORIAS registration 21008038. |
Which one suits you
Pick andsafe if cost, offer, insurance types, and monthly payments matter most.
Pick HelloSafe (Atlas) if premium from matter most.
What each covers
| Insurance types | andsafe | HelloSafe (Atlas) |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Bicycle | Yes | No |
How they place
| Ranking | andsafe | HelloSafe (Atlas) |
|---|---|---|
| Travel insurance | 8 of 291 | 7 of 291 |
Every fact side by side
| Fact | andsafe | HelloSafe (Atlas) |
|---|---|---|
| Audience | Not confirmed | Expats |
| 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 | HelloSafe (Atlas) | Median |
|---|---|---|---|
| Premium from | €10.57above the median | €9above the median | €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.
HelloSafe (Atlas)
Pros
- Dedicated travel focus through travel for trip led buyers
- Emergency medical limits of Emergency medical expenses EUR 500,000 - 2,500,000 for care cost protection
- Broad eligibility described as All ages, every nationality for varied travellers
Cons
- Entry premiums of €9 sit above TravelSecure premiums of €5 for buyers comparing starting prices
- Broker setup as broker means cover is arranged through partner insurers with intermediated service and claims handling
- Travel focus through travel gives limited choice for buyers wanting bundled home or health cover alongside travel
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.
HelloSafe (Atlas)
Who it suits
- Expats who prefer HelloSafe over TravelSecure for travel cover with All ages, every nationality
- Travellers valuing high medical limits who prefer HelloSafe over AXA for limits of Emergency medical expenses EUR 500,000 - 2,500,000
Who should look elsewhere
- Travellers who need monthly instalments may prefer AXA over HelloSafe because Monthly payments has value no
- Buyers seeking cover beyond travel may prefer MyPhysicianPlan over HelloSafe because HelloSafe lists travel only
Country by country
| Country | andsafe | HelloSafe (Atlas) |
|---|---|---|
| Brazil | No | Yes |
| Bulgaria | No | Yes |
| Canada | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
8 of 28 countries where either is available.
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.
HelloSafe (Atlas)
How much does HelloSafe travel cover start from?+
Entry premiums are listed as €9. The exact amount payable varies with destination, duration, age and selected limits, so travellers should compare quotes on matching trip details and review included benefits before buying cover online with care.
Is HelloSafe an insurer or a broker?+
HelloSafe acts as broker, which means it arranges cover provided by partner insurers rather than carrying insurance risk itself. ORIAS registration 21008038 identifies its French broker registration for buyers checking status and documents.
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