Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs Getsafe
Where Barmenia and Getsafe differ
| Compare |  Barmenia |  Getsafe |
|---|---|---|
| Premium from | €2.40Lower | €2.90 |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergencyCovers more | Home, Dental, Life, Health, Travel, Pet, Income protection |
| Provider type | Insurer | Broker |
| Excess from | €250 | €0Lower |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | Up to 4x the official German vet fee rate |
| Claims channels | Online claims form, Phone, Email, Customer portal | App, Phone, Chat |
| Age range | Any age (dog surgery cover) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- Barmenia scores higher overall: 9.4 vs 9.1.
- Founded is lower at Barmenia: 1904 vs 2015.
- Getsafe is available in 1 more country.
- Premium from is lower at Barmenia: €2.40 vs €2.90.
- Excess from is lower at Getsafe: €0 vs €250.
- Insurance types: only Barmenia offers Auto, Renters, Motorcycle.
- Claims channels: only Barmenia offers Online claims form, Email, Customer portal.
- Claims channels: only Getsafe offers App, Chat.
- Support channels: only Getsafe 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).
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Score breakdown
| Area | Barmenia | Getsafe |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. |
| Offer | 9.6Higher | 9.5 |
| Trust | 9.7Higher | 8.6 |
Side by side, item by item
| Insurance types | Barmenia | Getsafe |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | Yes |
| Critical illness | Yes | No |
| Income protection | Yes | Yes |
| Home emergency | Yes | No |
How they place
| Ranking | Barmenia | Getsafe |
|---|---|---|
| Home insurance | 53 of 273 | 18 of 273 |
| Life insurance | 49 of 263 | 14 of 263 |
| Health insurance | 43 of 215 | 18 of 215 |
| Travel insurance | 81 of 295 | 27 of 295 |
| Pet insurance | 39 of 163 | 11 of 163 |
| Income protection insurance | 13 of 92 | 4 of 92 |
| Dental insurance | 17 of 50 | 8 of 50 |
Pick Barmenia if, pick Getsafe if
Pick Barmenia if premium from and insurance types matter most.
Pick Getsafe if cost and excess from matter most.
Where each is licensed and available
| Country | Barmenia | Getsafe |
|---|---|---|
| Germany | Not confirmed | Industrie- und Handelskammer Rhein-Neckar D-QYBT-RIQKC-30 |
Available in 1 country for both. Additional countries for Getsafe: 1.
Every fact side by side
| Fact | Barmenia | Getsafe |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | Getsafe Digital GmbH |
| Headquarters | Germany | Germany |
| Founded | 1904Lower | 2015 |
| Support channels | Phone, Email, Help centre | Email, Phone, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Barmenia | Getsafe | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | €2.90below the median | €5.97 |
| Excess from | €250highest quarter | €0below 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.
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
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.
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
Country by country
| Country | Barmenia | Getsafe |
|---|---|---|
| Austria | No | Yes |
| 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.
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
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