Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Nationwide
Where andsafe and Nationwide differ
| Compare |  andsafe | Nationwide ReviewVisitVisit |
|---|---|---|
| Premium from | €10.57 | $35 |
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Auto, Home, Renters, Life, Motorcycle, Pet |
| Cover limit | 30 Mio. EUR | USD 50,000 per bike (custom motorcycle insurance) |
| Claims channels | Online | Phone |
| Excess from | €0 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.1.
- Insurance types: only andsafe offers Travel, Bicycle.
- Insurance types: only Nationwide offers Renters, Life, Motorcycle.
- Claims channels: only andsafe offers Online.
- Claims channels: only Nationwide offers Phone.
- Support channels: only andsafe offers 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.
Nationwide
Nationwide suits people in the US who want several policies from a single insurer, covering auto, home, renters, life, motorcycle and pet with monthly payments available. Its listed starting premium is $35, a general entry point rather than a quote for a single policy.
Score breakdown
| Area | andsafe | Nationwide |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 8.8 |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.7 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.6 |
Positions in our rankings
| Ranking | andsafe | Nationwide |
|---|---|---|
| Car insurance | 4 of 394 | 19 of 394 |
| Home insurance | 3 of 273 | 19 of 273 |
| Pet insurance | 3 of 163 | 12 of 163 |
Where each is licensed and available
| Country | andsafe | Nationwide |
|---|---|---|
| Germany | Not confirmed |
Additional countries for andsafe: 1. Additional countries for Nationwide: 1.
Sources behind this comparison
andsafe
- andsafe.de: 11 facts, checked September 29, 2026
Nationwide
- nationwide.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | andsafe | Nationwide |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | Nationwide Mutual Insurance Company |
| Headquarters | Germany | United States |
| Founded | Not confirmed | 1925 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | andsafe | Nationwide | Median |
|---|---|---|---|
| Excess from | €0below the median | Not confirmed | €70 |
Median across 68 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.
Nationwide
Pros
- Personal lines span auto, home, renters, life, motorcycle and pet (auto, home and renters).
- Monthly payments available, with monthly as the listed model.
- An insurer rather than a broker, trading as Nationwide Mutual Insurance Company.
Cons
- Starting premium of $35 sits above the site median of €8.37.
- Support runs on phone and help centre only, with no listed chat or email.
- Health and travel are not among its insurance types (auto, home and renters).
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.
Nationwide
Who it suits
- US households wanting auto, home, renters, life, motorcycle or pet from a single provider.
- Readers who prefer spreading premiums across the year.
- Bike owners who want claims handled by phone (phone).
Who should look elsewhere
- bunq suits readers after banking rather than personal insurance.
- EuroAsia Insurance serves a different market, starting at UZS 60,000.
- Good Sam Insurance Agency fits readers wanting health and travel types.
Country by country
| Country | andsafe | Nationwide |
|---|---|---|
| Germany | Yes | No |
| United States | 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.
Nationwide
What kind of company is Nationwide?+
Nationwide is an insurer (insurer) rather than a broker, trading as Nationwide Mutual Insurance Company. Its headquarters sit in US and it was founded in 1925. Policies are underwritten by the company itself, so the contract and the claims both sit with the same firm.
How much does Nationwide cost?+
Premiums start at $35 across the personal lines it sells. That figure is a starting point rather than a quote, and the site median for the same measure is €8.37, so this opening price reads as high on the page.
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