Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Laka
Where andsafe and Laka differ
| Compare |  andsafe |  Laka |
|---|---|---|
| Provider type | Insurer | Broker |
| Cover types | Public liability, Professional indemnity, PropertyCovers more | Public liability |
| Indemnity limit | €10,000,000 | £2,000,000 |
| Premium from | €10.57 | £5 to £15 |
| Excess from | €0 | £0 |
| Industries | Construction, cleaning, crafts, hospitality, IT and consulting | Bicycle retailers, manufacturers and fleets |
Same on both: Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 8.9.
- Cover types: only andsafe offers Professional indemnity, Property.
- Support channels: only andsafe offers Email, Chat, Phone.
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.
Laka
Laka suits riders and cycle trade teams seeking bicycle plus health and legal expenses cover bicycle, health and legal expenses on a monthly model monthly arranged by a broker broker. Premiums run £5 to £15 with excess at £0 and monthly payments supported for flexible budgeting.
Score breakdown
| Area | andsafe | Laka |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.3Premiums run £5 to £15 with excess at £0 |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.4Cover spans bicycle, health and legal expenses on a monthly model monthly |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.8Broker broker with Financial Conduct Authority licence 785971 |
What each covers
| Cover types | andsafe | Laka |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | Yes | No |
| Property | Yes | No |
Positions in our rankings
| Ranking | andsafe | Laka |
|---|---|---|
| Bicycle insurance | 1 of 9 | 6 of 9 |
| Business insurance | 7 of 150 | 100 of 150 |
| Public liability insurance | 3 of 51 | 40 of 51 |
Where each is licensed and available
| Country | andsafe | Laka |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 785971 |
Additional countries for andsafe: 1. Additional countries for Laka: 1.
Sources behind this comparison
andsafe
- andsafe.de: 10 facts, checked September 28, 2026
Laka
- laka.co: 10 facts, checked September 29, 2026
Every fact side by side
| Fact | andsafe | Laka |
|---|---|---|
| Legal entity | andsafe Aktiengesellschaft | Laka Ltd |
| Headquarters | Germany | United Kingdom |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre |
Personal insurance
| Fact | andsafe | Laka |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Bicycle, Health, Legal expenses |
| Pricing model | Monthly | Monthly |
| Cover limit | 30 Mio. EUR | Not confirmed |
| Claims channels | Online | Online |
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.
Laka
Pros
- Premiums run £5 to £15 with excess at £0, keeping entry signals clear
- Monthly payments are available on a monthly model monthly for flexible budgeting
- Cover spans bicycle, health and legal expenses with bicycle at the centre for riders
Cons
- Support runs on help centre only, which limits choice if you prefer voice help
- Business scope centres on Bicycle retailers, manufacturers and fleets, which is narrow if you need wider trade cover
- Indemnity for liability is capped at £2,000,000, so check limits against your riding needs
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.
Laka
Who it suits
- Cyclists wanting bicycle led cover with monthly payments and online claims
- Cycle retailers, manufacturers and fleets seeking focused liability options
Who should look elsewhere
- If you want broad household or motor risks, consider die Bayerische for its different European cover rather than cycle led Laka
- If you want pet health style protection, Porto Seguro may suit better than bicycle focused Laka
Country by country
| Country | andsafe | Laka |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | 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.
Laka
How much does Laka cover cost to start?+
Premiums run £5 to £15 for the recovery style cover shown, so you can judge entry costs before requesting a quote. Excess is shown as £0, which helps you compare upfront affordability. Monthly payments are available, which spreads costs across the year.
What excess applies if you claim?+
Excess is shown as £0, which keeps the amount you pay on a valid claim low at the start. Always check the policy wording for conditions that apply to bicycle, health and legal expenses claims. Monthly payments are available, so budgeting stays predictable.
Other options to compare
Other matchups
- andsafe vs WorldTrips
- andsafe vs Kingpolis
- andsafe vs Sundays Bike Insurance
- andsafe vs ALA Insurance
- andsafe vs Hiscox UK
- andsafe vs die Bayerische
- Laka vs Dextra Rechtsschutz
- andsafe vs KS Auxilia
- Laka vs KS/AUXILIA
- andsafe vs MyPhysicianPlan
- andsafe vs HanseMerkur Reiseversicherung AT
- andsafe vs Explorer Travel Insurance
- andsafe vs HelloSafe (Atlas)
- andsafe vs TIPINSURE
- andsafe vs Vuso UA
- andsafe vs Lemonade
- 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 Bicycle
- Insurance providers available in Germany
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Public liability
- Insurance providers available in United Kingdom