Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Sundays Bike Insurance
andsafe vs Sundays Bike Insurance: the differences
| Compare |  andsafe |  Sundays Bike Insurance |
|---|---|---|
| Premium from | €10.57 | $8 |
| Insurance types | Auto, Home, Travel, Pet, BicycleCovers more | Bicycle |
| Provider type | Insurer | Broker |
| Excess from | €0 | $150 to $350 |
| Cover limit | 30 Mio. EUR | $21,500 |
| Claims channels | Online | Online form, Phone, Email |
Same on both: Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 8.9.
- Insurance types: only andsafe offers Auto, Home, Travel.
- Claims channels: only andsafe offers Online.
- Claims channels: only Sundays Bike Insurance offers Online form, Phone, 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.
Sundays Bike Insurance
Sundays Bike Insurance suits riders who want dedicated bicycle cover with monthly billing and clear limits. Premiums of $8 apply with cover of $21,500, while claims and support stay reachable by phone, email and chat for everyday cycling needs.
Score breakdown
| Area | andsafe | Sundays Bike Insurance |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 8.9Premiums of $8 with monthly billing keep entry costs clear. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.1Dedicated bicycle cover of $21,500 keeps the offer focused. |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.8Broker status with licences CA #0K60995 builds trust. |
Positions in our rankings
| Ranking | andsafe | Sundays Bike Insurance |
|---|---|---|
| Bicycle insurance | 1 of 9 | 7 of 9 |
Side by side, item by item
| Insurance types | andsafe | Sundays Bike Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Bicycle | Yes | Yes |
Where these facts come from
andsafe
- andsafe.de: 11 facts, checked September 29, 2026
Sundays Bike Insurance
- sundaysinsurance.com: 9 facts, checked September 28, 2026
- cdn.sundaysinsurance.com: 2 facts, checked September 28, 2026
Every fact side by side
| Fact | andsafe | Sundays Bike Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | Sundays Insurance LLC |
| Headquarters | Germany | United States |
| Support channels | Email, Chat, Phone, Help centre | Email, Phone, Chat, Help centre |
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.
Sundays Bike Insurance
Pros
- Dedicated bicycle cover with bicycle, ideal for riders who want cycling specific protection.
- Cover of $21,500 suits valued road, mountain and electric bikes used daily.
- Premiums of $8 give a clear entry point with monthly payments available.
Cons
- Excess of $150 to $350 applies on claims, so small repairs may fall to you.
- Cover is limited to bicycle, so riders wanting wider household cover may look at durchblicker.at.
- Broker cover means terms are set by underwriters behind Sundays Insurance LLC Sundays Insurance LLC, which some riders may dislike.
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.
Sundays Bike Insurance
Who it suits
- Commuters and club riders who want bicycle only cover with monthly billing.
- Owners of valued bikes who want cover of $21,500 in clear terms.
- US riders who prefer a licensed broker over a general comparison site like durchblicker.at.
Who should look elsewhere
- Riders wanting bundled home and bike cover in a single place may prefer durchblicker.at for wider comparison.
- Readers wanting general personal cover rather than bicycle only cover may prefer andsafe.
Country by country
| Country | andsafe | Sundays Bike Insurance |
|---|---|---|
| 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.
Sundays Bike Insurance
What does Sundays Bike Insurance cover?+
Sundays Bike Insurance focuses on bicycle cover, described by bicycle. Cover of $21,500 is available, so you can match protection to the value of your bike and accessories. Check the policy wording for exclusions and conditions before you buy.
How much does cover cost and how do payments work?+
Premiums of $8 are listed as the entry point, with actual cost based on bike value, cover choices and excess. Excess of $150 to $350 applies if you claim. Monthly payments are available, which helps you spread the yearly cost across the year.
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