Updated September 29, 2026 · AssureCue Editorial Team
andsafe vs WAS Insurance
What sets them apart
| Compare |  andsafe |  WAS Insurance |
|---|---|---|
| Insurance types | Auto, Home, Travel, Pet, BicycleCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Excess from | €0 | A$100 |
| Cover limit | 30 Mio. EUR | Unlimited medical |
| Claims channels | Online | Phone, Email, OnlineCovers more |
| Premium from | €10.57 | Not confirmed |
| Age range | Not confirmed | 18-99 |
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, Bicycle.
- Claims channels: only WAS Insurance offers Phone, Email.
- Support channels: only andsafe offers Chat, Help centre.
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.
WAS Insurance
WAS Insurance suits travellers and pet owners in AU who want a broker with help via email and phone. It accepts a wide age span of 18-99 for cover, so you can check eligibility and claim options before you compare quotes.
Score breakdown
| Area | andsafe | WAS Insurance |
|---|---|---|
| Cost | 9.4HigherPremiums run €10.57 for contents cover, with excess terms at €0 on selected liability. | 9.0Pet claims carry excess of AUD 100 per claim. |
| Offer | 9.5HigherBusiness cover spans public liability, professional indemnity and property alongside personal lines across auto, home and travel. | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 9.8Higherandsafe acts as insurer under insurer, which keeps cover and claims in house. | 8.8Wiseandsilent Pty Ltd holds licence 536280 under ASIC. |
Which one suits you
Pick andsafe if cost, offer, and insurance types matter most.
Pick WAS Insurance if claims channels matter most.
Availability and regulation
| Country | andsafe | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
| Germany | Not confirmed |
Additional countries for andsafe: 1. Additional countries for WAS Insurance: 1.
Positions in our rankings
| Ranking | andsafe | WAS Insurance |
|---|---|---|
| Travel insurance | 8 of 291 | 32 of 291 |
| Pet insurance | 3 of 161 | 12 of 161 |
What each covers
| Insurance types | andsafe | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Bicycle | Yes | No |
Every fact side by side
| Fact | andsafe | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | andsafe Aktiengesellschaft | Wiseandsilent Pty Ltd |
| Headquarters | Germany | Australia |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | andsafe | WAS Insurance | Median |
|---|---|---|---|
| Premium from | €10.57above the median | Not confirmed | €5.97 |
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.
WAS Insurance
Pros
- Travel medical protection is listed as Unlimited medical, which addresses high hospital bills abroad.
- Claims accept phone, email and online, so you can call, email or file online when you need help.
- Billing follows monthly and monthly payments are available, which spreads premiums across the year.
Cons
- Range stays limited to travel and pet, so auto or home needs sit elsewhere.
- Support runs on email and phone only, so chat help is outside email and phone.
- Pet claims include excess of AUD 100, which adds to vet bills.
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.
WAS Insurance
Who it suits
- Travellers who want medical led cover should shortlist WAS Insurance over andsafe, thanks to Unlimited medical.
- Pet owners who want phone and online claims should prefer WAS Insurance to LV=, with routes via phone, email and online.
- Budget planners who want to spread premiums should pick WAS Insurance over die Bayerische, as billing follows monthly.
Who should look elsewhere
- Drivers or homeowners who need auto or home cover should consider andsafe, as WAS Insurance covers travel and pet only.
- Shoppers wanting life, health or income protection should consider die Bayerische, which goes beyond travel and pet.
- Households wanting auto, home and life in one place should consider LV=, rather than the focused travel and pet.
Country by country
| Country | andsafe | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Germany | Yes | No |
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.
WAS Insurance
Is WAS Insurance an insurer or a broker?+
WAS Insurance works as a broker based in Australia under the name Wiseandsilent Pty Ltd. That means it arranges cover rather than underwriting it directly, so you should read each policy for insurer details and terms.
How is WAS Insurance regulated in Australia?+
Australian oversight comes through ASIC under licence 536280 held by Wiseandsilent Pty Ltd. You can search the licence register before you buy, and keep policy documents for any later query about cover or claims.
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