Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs KS Auxilia
andsafe vs KS Auxilia: the differences
| Compare |  andsafe |  KS Auxilia |
|---|---|---|
| Premium from | €10.57 | €5.04Lower |
| Industries | Construction, cleaning, crafts, hospitality, IT and consulting | Private households, trades, medical professions, farmers, companies |
| Cover types | Public liability, Professional indemnity, Property | Not confirmed |
| Indemnity limit | €10,000,000 | Not confirmed |
Same on both: Provider type (Insurer), Excess from (€0), Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.4.
- Premium from is lower at KS Auxilia: €5.04 vs €10.57.
- Support channels: only andsafe offers Help centre.
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.
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
Score breakdown
| Area | andsafe | KS Auxilia |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.3Modest starting point shown by €5.04 with €0 easing initial spend |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.6Established direct structure as insurer dating to 1964 |
How they place
| Ranking | andsafe | KS Auxilia |
|---|---|---|
| Business insurance | 7 of 151 | 1 of 151 |
Where each is licensed and available
| Country | andsafe | KS Auxilia |
|---|---|---|
| Germany |
Available in 1 country for both.
Every fact side by side
| Fact | andsafe | KS Auxilia |
|---|---|---|
| Legal entity | andsafe Aktiengesellschaft | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | Not confirmed | 1964 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Chat, Phone |
Personal insurance
| Fact | andsafe | KS Auxilia |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Legal expenses, Breakdown |
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Cover limit | 30 Mio. EUR | Unlimited |
| Claims channels | Online | Online, Phone, Email, ChatCovers more |
| Age range | Not confirmed | 18+ |
Where each stands against the rest
| Fact | andsafe | KS Auxilia | Median |
|---|---|---|---|
| Premium from | €10.57above the median | €5.04below the median | €7.99 |
| Excess from | €0below the median | €0below the median | €100 |
Median across 27 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.
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
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.
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
Country by country
| Country | andsafe | KS Auxilia |
|---|---|---|
| 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.
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
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