Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs Vuso UA
What sets them apart
| Compare |  andsafe |  Vuso UA |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, Bicycle | Auto, Travel, Health, Home, Renters |
| Excess from | €0 | €0 to €50 |
| Cover limit | 30 Mio. EUR | Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited) |
| Claims channels | Online | Phone |
| Premium from | €10.57 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Age range | Not confirmed | Children aged 0-3 and adults aged 60-65 (voluntary medical insurance) |
Same on both: Provider type (Insurer).
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Key differences
- andsafe scores higher overall: 9.6 vs 9.3.
- Insurance types: only andsafe offers Pet, Bicycle.
- Insurance types: only Vuso UA offers Health, Renters.
- Claims channels: only andsafe offers Online.
- Claims channels: only Vuso UA offers 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.
Vuso UA
Vuso UA is a Ukrainian insurer selling personal lines directly, which suits anyone who wants auto, travel, health, home or renters cover from one provider. Its cost score sits at 8.1, and the excess starts at €0 to €50, so out-of-pocket cost is the first thing to weigh.
Score breakdown
| Area | andsafe | Vuso UA |
|---|---|---|
| Cost | 9.4Premiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.6Higher |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 9.1 |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 9.3 |
Licences and countries
| Country | andsafe | Vuso UA |
|---|---|---|
| Germany | Not confirmed | |
| Ukraine | Not confirmed |
Additional countries for andsafe: 1. Additional countries for Vuso UA: 1.
How they place
| Ranking | andsafe | Vuso UA |
|---|---|---|
| Car insurance | 4 of 393 | 13 of 393 |
| Home insurance | 3 of 272 | 12 of 272 |
| Travel insurance | 8 of 291 | 17 of 291 |
Feature by feature
| Insurance types | andsafe | Vuso UA |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Health | No | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Bicycle | Yes | No |
Sources behind this comparison
andsafe
- andsafe.de: 11 facts, checked September 29, 2026
Vuso UA
- vuso.ua: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | andsafe | Vuso UA |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | andsafe Aktiengesellschaft | PrAT Insurance Company VUSO |
| Headquarters | Germany | Ukraine |
| Founded | Not confirmed | 2001 |
| Support channels | Email, Chat, Phone, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | andsafe | Vuso UA | Median |
|---|---|---|---|
| Premium from | €10.57above the median | Not confirmed | €5.97 |
| Excess from | €0below the median | €0 to €50below the median | €70 |
Median across 109 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.
Vuso UA
Pros
- Insurer rather than a broker, so cover comes direct from insurer
- One provider spans auto, travel and health
- Excess starts at €0 to €50
Cons
- Claims are handled by phone alone, on phone
- Voluntary medical insurance is limited to children and older adults
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.
Vuso UA
Who it suits
- Drivers in Ukraine wanting auto cover with the option of other lines
- Expats settling in Ukraine, listed for expats
- Households wanting home or renters cover alongside a car policy
Who should look elsewhere
- Shoppers wanting to claim online or by message, since claims run on phone only
- Anyone wanting pet, life or motorcycle cover, which sits outside auto, travel and health
Current offers
Vuso UA
Current offer
Discount code
10% discount on medical travel insurance for trips abroad: 10% discount
Covers COVID-19 treatment costs, 24/7 emergency medical assistance worldwide
Source, checked September 26, 2026
Country by country
| Country | andsafe | Vuso UA |
|---|---|---|
| Germany | Yes | No |
| Ukraine | 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.
Vuso UA
What does an excess look like on a Vuso policy?+
The excess starts at €0 to €50 on the range. Anything above that is the part of a claim that stays with you, so a policy with a low starting excess leaves less of a bill to absorb after a loss.
How are claims made with Vuso?+
Claims are handled on phone only, so a claim starts with a call. That is narrower than the wider support offering, which also covers phone, email and chat for questions that do not involve a claim.
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