Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs TIPINSURE
andsafe vs TIPINSURE: the differences
| Compare |  andsafe |  TIPINSURE |
|---|---|---|
| Premium from | €10.57 | THB 699 |
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Cover limit | 30 Mio. EUR | 500,000 THB |
| Claims channels | Online | Phone, App, OnlineCovers more |
| Excess from | €0 | Not confirmed |
| Age range | Not confirmed | 20-60, renewable to 64 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.3.
- Insurance types: only andsafe offers Bicycle.
- Insurance types: only TIPINSURE offers Health, Motorcycle, Critical illness.
- Claims channels: only TIPINSURE offers Phone, App.
- Support channels: only andsafe offers 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.
TIPINSURE
TIPINSURE suits households in Thailand that want a single monthly policy across motor, home, health and critical illness cover. The starting premium of THB 699 runs well above the site median, so the cost is the trade-off to weigh.
Score breakdown
| Area | andsafe | TIPINSURE |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 8.9Starting premium of THB 699 sits well above the site median of €8.37, ranking 169 of 252. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.3 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.6 |
Pick andsafe if, pick TIPINSURE if
Pick andsafe if cost matter most.
Pick TIPINSURE if claims channels matter most.
Positions in our rankings
| Ranking | andsafe | TIPINSURE |
|---|---|---|
| Car insurance | 4 of 393 | 12 of 393 |
| Home insurance | 3 of 272 | 11 of 272 |
| Travel insurance | 8 of 291 | 16 of 291 |
| Pet insurance | 3 of 161 | 8 of 161 |
Every fact side by side
| Fact | andsafe | TIPINSURE |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | TIPINSURE Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | Not confirmed | 1951 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Chat, Help centre |
Where each stands against the rest
| Fact | andsafe | TIPINSURE | 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.
TIPINSURE
Pros
- Monthly payments are available, so cover is paid for as the policy runs
- Insurance types span auto, home, travel, health, pet, motorcycle and critical illness
- Claims can be started by phone, in the app or online
Cons
- The starting premium of THB 699 sits far above the site median of €8.37
- Support runs on phone, chat and help centre only, with no email listed
- Critical illness cover is capped at 500,000 THB
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.
TIPINSURE
Who it suits
- Households wanting a single monthly policy for motor, home and health cover
- Adults aged 20-60, renewable to 64 looking for a lump sum critical illness payout
- Motorcycle and pet owners who want cover from the same insurer
Who should look elsewhere
- Good Sam Insurance Agency, if you need life and renters cover in the same policy
- Euroasia Insurance, if a lower starting premium matters most
- bunq, if you are comparing banking accounts rather than insurance
Current offers
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | andsafe | TIPINSURE |
|---|---|---|
| Germany | Yes | No |
| Thailand | 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.
TIPINSURE
What does TIPINSURE cost to start?+
The starting premium is THB 699. That is well above the site median of €8.37, and the site pokes 252 brands ranked on this figure, placing TIPINSURE at 169.
How do I pay for cover?+
TIPINSURE offers monthly payments, so premiums are spread across the policy year instead of paid in one sum. Payment is a yes on the monthly payments point for this brand.
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