Updated September 28, 2026 · AssureCue Editorial Team
ARAG vs die Bayerische
Where ARAG and die Bayerische differ
| Compare |  ARAG |  die Bayerische |
|---|---|---|
| Premium from | €14.73 | €2.09Lower |
| Insurance types | Home, Health, Dental, Pet, Travel, Gadget | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more |
| Excess from | €0 | €0 to €35 |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | Online, Phone | Online, Post, PhoneCovers more |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.4.
- Founded is lower at die Bayerische: 1858 vs 1935.
- ARAG is available in 17 more countries.
- Premium from is lower at die Bayerische: €2.09 vs €14.73.
- Insurance types: only die Bayerische offers Auto, Motorcycle, Life.
- Claims channels: only die Bayerische offers Post.
Our verdict on each
ARAG
ARAG is a German insurer founded in 1935 that writes home, health, dental, pet, travel and gadget cover on a monthly basis. It suits readers who want several household risks placed with the insurer itself, and who can live with a legal expenses limit that is fixed outside Europe.
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
Score breakdown
| Area | ARAG | die Bayerische |
|---|---|---|
| Cost | 9.1Entry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. |
| Offer | 9.3 | 9.6Higher |
| Trust | 9.6 | 9.7Higher |
What each covers
| Insurance types | ARAG | die Bayerische |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Dental | Yes | Yes |
| Income protection | No | Yes |
| Gadget | Yes | Yes |
Positions in our rankings
| Ranking | ARAG | die Bayerische |
|---|---|---|
| Home insurance | 47 of 272 | 34 of 272 |
| Health insurance | 40 of 215 | 31 of 215 |
| Travel insurance | 74 of 291 | 64 of 291 |
| Pet insurance | 34 of 161 | 27 of 161 |
| Business insurance | 35 of 150 | 28 of 150 |
| Dental insurance | 15 of 50 | 11 of 50 |
If neither fits
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €14.73 for ARAG and €2.09 for die Bayerische.
HanseMerkur Reiseversicherung AT reviewSources behind this comparison
ARAG
- arag.de: 8 facts, checked September 26, 2026
- arag.com: 4 facts, checked September 26, 2026
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | ARAG | die Bayerische |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Germany | Germany |
| Founded | 1935 | 1858Lower |
| Support channels | Email, Chat, Phone, Help centre | Phone, Email, Chat, Help centre |
Business insurance
| Fact | ARAG | die Bayerische |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
| Industries | Not confirmed | Retail, construction, cleaning, hospitality and health professions |
Where each stands against the rest
| Fact | ARAG | die Bayerische | Median |
|---|---|---|---|
| Premium from | €14.73above the median | €2.09lowest quarter | €5.97 |
| Excess from | €0below the median | €0 to €35below the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
ARAG
Pros
- Premium starts at €14.73 with an excess of €0, so nothing is deducted from a legal expenses claim before payment.
- ARAG is the insurer itself, insurer, so the contract sits with the company that pays the claim rather than a broker.
- Home, health, dental, pet, travel and gadget cover all sit with the same provider under home, health and dental, so a household need not shop each line separately.
Cons
- The starting premium of €14.73 is above the typical price of €8.37 across the comparison, so cheaper entry points exist.
- Auto and life are missing from home, health and dental, while Good Sam Insurance Agency lists both in auto, home and renters.
- Claims are handled on online and phone, a narrower set of routes than the email, chat and phone offered for general service.
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
Who each suits
ARAG
Who it suits
- Households wanting home, health, dental, pet, travel and gadget cover written by the insurer itself under home, health and dental.
- Readers who pay monthly, since monthly payments are available and monthly is the only pricing model listed.
- Anyone weighing a claim with no money deducted first, because the excess on the legal expenses policy is €0.
Who should look elsewhere
- Drivers or life savers, since Good Sam Insurance Agency covers auto and life in auto, home and renters while ARAG's home, health and dental does not list them.
- Buyers who need landlord or renters policies, because Hiscox UK sells both under home, renters and landlord and ARAG's list stops at home, health, dental, pet, travel and gadget.
- Readers shopping purely on the lowest entry price, as €14.73 sits above the typical price of €8.37 and Euroasia Insurance quotes from UZS 60,000.
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
Current offers
ARAG
Current offer
Discount code
ARAG Recht und Heim package: 20% discount
Legal expenses, home contents and liability insurance bundle; claimed directly on the ARAG German site
Source, checked September 26, 2026
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | ARAG | die Bayerische |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
8 of 18 countries where either is available.
Questions about each
ARAG
What does ARAG cost to start with?+
The listed entry premium is €14.73, set on monthly terms for the legal expenses policy. That sits above the typical price of €8.37 and above the lower-quartile price of €2.92 across the comparison, so ARAG is priced in the middle of the field rather than at the budget end. The excess on that policy is €0.
Can I pay monthly instead of one annual sum?+
Yes. Monthly payments are available and monthly is the only pricing model listed, so the policy is not sold as a single annual payment. The same pattern runs across the comparison, with 88.9% of the listed brands offering monthly payments. Readers who set money aside each month are paying on the terms most of this market uses.
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.