Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Kingpolis
andsafe vs Kingpolis: the differences
| Compare | Kingpolis ReviewSee alternativesSee alternatives | |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, BicycleCovers more | Bicycle |
| Provider type | Insurer | Broker |
| Excess from | €0Lower | €25 to €50 |
| Claims channels | Online | Online, EmailCovers more |
| Premium from | €10.57 | Not confirmed |
| Cover limit | 30 Mio. EUR | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 8.9.
- Kingpolis is available in 2 more countries.
- Excess from is lower at andsafe: €0 vs €25 to €50.
- Insurance types: only andsafe offers Auto, Home, Travel.
- Claims channels: only Kingpolis offers 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.
Kingpolis
Kingpolis suits riders in the Netherlands who want bicycle cover with monthly payments and clear excess terms, with excess terms at €25 to €50 helping you plan claim costs. As a broker operating under King Verzekeringen B.V. with licence 12006622, it keeps help within reach through support options listed as email, chat and phone.
Score breakdown
| Area | andsafe | Kingpolis |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.1Monthly billing with defined claim contribution at €25 to €50 keeps budgeting clear. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.9Focused bicycle line described as bicycle with monthly model monthly. |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.8Broker status shown as broker with licence 12006622. |
Availability and regulation
| Country | andsafe | Kingpolis |
|---|---|---|
| Germany | Not confirmed | |
| Netherlands | Not confirmed | AFM 12006622 |
Available in 1 country for both. Additional countries for Kingpolis: 2.
How they place
| Ranking | andsafe | Kingpolis |
|---|---|---|
| Bicycle insurance | 1 of 9 | 5 of 9 |
Every fact side by side
| Fact | andsafe | Kingpolis |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | King Verzekeringen B.V. |
| Headquarters | Germany | Netherlands |
| Support channels | Email, Chat, Phone, Help centre | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | andsafe | Kingpolis | Median |
|---|---|---|---|
| Premium from | €10.57above the median | Not confirmed | €5.97 |
| Excess from | €0below the median | €25 to €50below 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.
Kingpolis
Pros
- Monthly payments are available, so you can spread bike cover across the year rather than paying in a large annual sum.
- Excess terms are transparent at €25 to €50, helping you weigh claim costs before you choose a plan.
- Support covers email, chat and phone, giving you email, chat, phone and help centre choice unlike narrower rivals.
Cons
- Claim contribution applies on each claim at €25 to €50, which adds to your outlay when you claim.
- Cover is centred on bicycle, so you cannot bundle home or travel cover in the same place.
- Claims run through online and email only, which suits email users more than visitors seeking a phone claims line.
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.
Kingpolis
Who it suits
- City riders and e bike commuters who want bicycle only cover described as bicycle with monthly billing, rather than the wider basket at andsafe.
- New buyers who value guided choice through a broker model shown as broker, rather than the comparison layout at durchblicker.at.
- Budget planners who like spreading cost month by month and tracking excess at €25 to €50, rather than annual billing elsewhere.
Who should look elsewhere
- Riders wanting bundled home and travel cover in the same basket may prefer andsafe, since Kingpolis lists bicycle while andsafe lists auto, home and travel.
- Shoppers wanting a broad comparison across many lines may prefer durchblicker.at, which lists auto, motorcycle and home against bicycle.
- Collectives seeking shared bicycle cover with added health elements may prefer Laka, which lists bicycle, health and legal expenses while Kingpolis lists bicycle.
Country by country
| Country | andsafe | Kingpolis |
|---|---|---|
| Belgium | No | Yes |
| Netherlands | 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.
Kingpolis
Can I pay for Kingpolis bicycle insurance monthly?+
Yes, monthly payments are available, which helps you spread the yearly cost across regular instalments. You can match payments to payday and avoid a large annual bill while keeping cover active month by month.
What excess will I pay if I make a claim?+
Excess terms are shown as €25 to €50, which means you contribute that amount when a claim is settled. You should check which claim type applies the lower or higher end before you buy, so the cost feels clear.
Other options to compare
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