Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs die Bayerische
Where Barmenia and die Bayerische differ
| Compare |  Barmenia |  die Bayerische |
|---|---|---|
| Premium from | €2.40 | €2.09Lower |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergency | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, Gadget |
| Excess from | €250 | €0 to €35Lower |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | Online claims form, Phone, Email, Customer portal | Online, Post, Phone |
| Age range | Any age (dog surgery cover) | Not confirmed |
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 1904.
- Premium from is lower at die Bayerische: €2.09 vs €2.40.
- Excess from is lower at die Bayerische: €0 to €35 vs €250.
- Insurance types: only Barmenia offers Renters, Critical illness, Home emergency.
- Insurance types: only die Bayerische offers Gadget.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only die Bayerische offers Online, Post.
- Support channels: only die Bayerische offers Chat.
Our verdict on each
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
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 | Barmenia | die Bayerische |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. |
| Offer | 9.6 | 9.6 |
| Trust | 9.7 | 9.7 |
Sources behind this comparison
Barmenia
- barmenia.de: 13 facts, checked September 26, 2026
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
How they place
| Ranking | Barmenia | die Bayerische |
|---|---|---|
| Car insurance | 67 of 393 | 50 of 393 |
| Home insurance | 51 of 272 | 34 of 272 |
| Life insurance | 45 of 261 | 29 of 261 |
| Health insurance | 42 of 215 | 31 of 215 |
| Travel insurance | 76 of 291 | 64 of 291 |
| Pet insurance | 36 of 161 | 27 of 161 |
| Business insurance | 39 of 150 | 28 of 150 |
| Motorbike insurance | 26 of 120 | 19 of 120 |
| Income protection insurance | 12 of 92 | 5 of 92 |
| Dental insurance | 16 of 50 | 11 of 50 |
Every fact side by side
| Fact | Barmenia | die Bayerische |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Germany | Germany |
| Founded | 1904 | 1858Lower |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Business insurance
| Fact | Barmenia | 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 | Barmenia | die Bayerische | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | €2.09lowest quarter | €5.97 |
| Excess from | €250highest quarter | €0 to €35below the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
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
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
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
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 | Barmenia | die Bayerische |
|---|---|---|
| Germany | Yes | Yes |
Questions about each
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
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.
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