Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs MoneyHero
What sets them apart
| Compare |  andsafe |  MoneyHero |
|---|---|---|
| Premium from | €10.57 | HK$89.49 |
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Travel, Auto, Home, Pet, Life, Critical illness, Health |
| Provider type | Insurer | Comparison site |
| Excess from | €0 | HK$2,500 |
| Cover limit | 30 Mio. EUR | HK$1,000,000 overseas medical expenses (Starr 卓悅遊・尊尚保 travel insurance - Nonpareil) |
| Claims channels | Online | Not confirmed |
| Age range | Not confirmed | No upper age limit on single-trip travel plans |
Same on both: Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 8.8.
- Insurance types: only andsafe offers Bicycle.
- Insurance types: only MoneyHero offers Life, Critical illness, Health.
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.
MoneyHero
MoneyHero suits Hong Kong residents who want one place to compare quotes across personal insurance lines rather than a single insurer. It is a comparison site, not a risk carrier, and it carries an Insurance Authority (Hong Kong) licence. Travel cover starts at HKD 89.49.
Score breakdown
| Area | andsafe | MoneyHero |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 8.7Travel premiums start at HKD 89.49 with an excess of HKD 2,500, against a site median of €8.37. |
| Offer | 9.5Business cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.7Higher |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.3 |
Where they rank in our lists
| Ranking | andsafe | MoneyHero |
|---|---|---|
| Car insurance | 4 of 393 | 27 of 393 |
| Home insurance | 3 of 272 | 24 of 272 |
| Travel insurance | 8 of 291 | 34 of 291 |
| Pet insurance | 3 of 161 | 13 of 161 |
What each covers
| Insurance types | andsafe | MoneyHero |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Critical illness | No | Yes |
| Bicycle | Yes | No |
Licences and countries
| Country | andsafe | MoneyHero |
|---|---|---|
| Germany | Not confirmed | |
| Hong Kong | Not confirmed |
Additional countries for andsafe: 1. Additional countries for MoneyHero: 1.
Where these facts come from
andsafe
- andsafe.de: 11 facts, checked September 29, 2026
MoneyHero
- moneyhero.com.hk: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | andsafe | MoneyHero |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | MoneyHero Global Limited (registered in Hong Kong, company number 1864714) |
| Headquarters | Germany | Hong Kong |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Chat, Phone, Help centre | Email, Phone, Help centre, Chat |
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.
MoneyHero
Pros
- Travel premiums start at HKD 89.49 with an excess of HKD 2,500
- Compares travel, auto, home, pet, life, critical illness and health cover across travel, auto and home
- Monthly payments are available, since the monthly payment model applies
Cons
- A comparison site quotes rather than underwrites, so cover terms sit with the insurer you pick
- Ranked 145 of 252 on premium from, so entry pricing is mid market
- The overall score of 2.5 out of ten puts cost at 2.5, well below the top of the table
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.
MoneyHero
Who it suits
- Hong Kong households covering several lines at once, from travel to health
- Travellers wanting a single-trip plan with no upper age limit, per No upper age limit on single-trip travel plans
- Seniors shopping for cover, listed in seniors
Who should look elsewhere
- Anyone wanting cover underwritten by one named insurer rather than a quote comparison
- Readers who need motorcycle, renters or landlord lines, which sit outside travel, auto and home
- People who set cover by brand alone and will not read the individual policy terms
Current offers
MoneyHero
Current offer
Bonus
Free HK$1,500 vehicle inspection when buying car insurance: HK$1,500
MoneyHero pays the used-car inspection fee as part of inspection plus insurance bundle; limited time, T&Cs apply
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 premium discount with code MH: 68折 (32% off)
Apply to the 單次旅遊萬全保 and enter promo code MH; valid until 2026-11-20
Source, checked September 26, 2026
Discount code
HSBC 單次旅遊萬全保 Friday flash discount with code FLASH: 45折 (55% off)
Purchase the 單次旅遊萬全保 on a Friday and enter promo code FLASH; valid until 2026-11-20
Source, checked September 26, 2026
Country by country
| Country | andsafe | MoneyHero |
|---|---|---|
| Germany | Yes | No |
| Hong Kong | 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.
MoneyHero
What does MoneyHero actually sell?+
MoneyHero is a comparison site, so it puts quotes side by side rather than issuing policies. It lists travel, auto, home, pet, life, critical illness and health cover under travel, auto and home. The contract you end up with is with the insurer the winning quote names.
How much does a MoneyHero policy cost?+
Travel premiums start at HKD 89.49 on the cheapest plan listed, against a site median of €8.37. Excess on that plan starts at HKD 2,500, and most brands sit at or below €29.72. Actual pricing depends on the insurer and the cover chosen.
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