die Bayerische review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- One insurer for household lines and trade cover, with premiums from €2.09 and monthly payments.
- Premium from
- €2.09 (Source, checked September 26, 2026)
- Insurance types
- Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income-protection, Gadget (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Excess from
- €0 to €35 (Source, checked September 26, 2026)
- Cover limit
- 100 million EUR (E-Scooter-Versicherung) (Source, checked September 26, 2026)
- Claims channels
- Online, Post, Phone (Source, checked September 26, 2026)
- Legal entity
- BY die Bayerische Vorsorge Lebensversicherung a.G. (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 1858 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- diebayerische.de
Business insurance
- Provider type
- Insurer (Source, checked September 26, 2026)
- Cover types
- Public-liability, Property (Source, checked September 26, 2026)
- Premium from
- €2.09 (Source, checked September 26, 2026)
- Excess from
- €0 to €35 (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Industries
- Retail, construction, cleaning, hospitality and health professions (Source, checked September 26, 2026)
- Legal entity
- BY die Bayerische Vorsorge Lebensversicherung a.G. (Source, checked September 26, 2026)
- Headquarters
- Germany (Source, checked September 26, 2026)
- Founded
- 1858 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Chat, Help-centre (Source, checked September 26, 2026)
Apps and profiles
- Elsewhere
- WikidataLinkedInprovenexpert.com
Pros and cons
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.
- Support runs on phone, email and chat, and claims can be started on online, post and phone, which gives several routes to report a loss.
- The company behind the policies, BY die Bayerische Vorsorge Lebensversicherung a.G., has been trading since 1858.
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 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.
Cover and limits
die Bayerische covers auto, home and motorcycle for households, a wider list than most insurers in this comparison carry: only 9.7% of the brands on the site offer dental cover at all, so that line, alongside gadget and income protection, is where the portfolio is more generous. Motor, home, travel and health sit alongside life cover under the same roof, which matters for a household that would rather hold one insurer than several. On limits, the single sum published is 100 million EUR (E-Scooter-Versicherung), and it is quoted for e-scooter insurance rather than for the motor, home or health lines. Read that figure as a guide to the e-scooter product alone, since the sums insured on the larger policies are set in each policy schedule. What the type list does show clearly is the shape of the business: a full portfolio insurer rather than a single product shop, covering both a household's everyday policies and a trade's business ones.
Who regulates the provider
die Bayerische is an insurer, insurer, so the company named on the policy is the company carrying the risk rather than a shop window in front of somebody else's book. In Germany the insurance side of the business is supervised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Bereich Versicherungen, which supervises the carrier directly, and the brand also appears with IHK fuer Muenchen und Oberbayern. For a reader checking where the money sits, the distinction is the point: an insurer signs the contract, collects the premium and pays the claim from its own balance sheet, whereas a broker or a comparison site would stand in the middle. An entity type of insurer means the counterparty on your document is the risk carrier itself, so a solvency problem would be your problem and not a hidden intermediary's.
How your money is protected
Safety of the money starts with knowing who holds it. die Bayerische is an insurer, insurer, so a premium is paid to the same regulated company that later pays the claim, with no broker or comparison layer in between to hold it. German insurance supervision sits with BaFin's insurance division, so the balance sheet behind the cover is watched by a regulator rather than sitting in an anonymous account. A further point for cautious readers: any cap on the portion of a premium held before a claim is settled, and any guarantee attached to a payment schedule, is a matter of the wording of the individual policy rather than a property of the provider. That is the practical meaning of an entity type of insurer here, the counterparty is a supervised carrier, and the policy terms decide what any interim protection amounts to.
The company behind it
The contract is written by BY die Bayerische Vorsorge Lebensversicherung a.G., a company based in Germany that has been trading since 1858. Support runs on phone, email and chat, so a question about a premium, a renewal or a claim can go to a person on the phone, by email, through a live chat or via the help centre. For a household or a small trade holding several policies, the practical value sits in having a single counterparty: one company to ask about a motor renewal and a public liability claim, rather than a different insurer for each line. A desk running on phone, email and chat also gives a choice of route when a loss will not wait for the next working day. The trade-off of one insurer is concentration rather than choice, since all of that business rests with the same regulated carrier, and its service and claims record decide how the relationship holds up.
How die Bayerische compares
9.6 vs 9.4
9.6 vs 9.4
9.6 vs 9.4
9.6 vs 9.4
9.6 vs 8.8
9.6 vs 8.7
9.6 vs 9.0
9.6 vs 9.4
die Bayerische vs HanseMerkur9.6 vs 9.3
9.6 vs 8.9
9.6 vs 8.9
9.6 vs 8.9
9.6 vs 9.3
9.6 vs 8.6- 9.6 vs 9.3
9.6 vs 9.3Max Life Insurance
die Bayerische vs MSIG Insurance (Thailand)9.6 vs 9.3
9.6 vs 9.3
9.6 vs 9.3
9.6 vs 9.2
9.6 vs 9.2
9.6 vs 9.2
9.6 vs 9.2
9.6 vs 9.2
9.6 vs 9.2
9.6 vs 9.1
9.6 vs 9.1
9.6 vs 8.9
9.6 vs 8.9
9.6 vs 8.8
9.6 vs 8.8
9.6 vs 8.6- 9.6 vs 8.4
- 9.6 vs 8.2
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Where die Bayerische is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) - Bereich Versicherungen, checked September 26, 2026
- Licence in Germany
- IHK fuer Muenchen und Oberbayern, checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Who supervises die Bayerische?+
In Germany, the insurer's insurance business is supervised by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), Bereich Versicherungen, and the brand also appears with IHK fuer Muenchen und Oberbayern. Because die Bayerische is an insurer, insurer, the supervised entity is the underwriter named on your policy and not an intermediary selling someone else's cover.
What cover limit sits behind that premium?+
The published sum is 100 million EUR (E-Scooter-Versicherung), and it is set for e-scooter insurance. It does not describe the sums insured on motor, home, health or life policies, so treat it as a guide to that one product and read the schedule attached to any other line you are considering.
How do I report a claim?+
Claims can be started on online, post and phone, so a loss can be reported online, by post or by phone. The desk behind that runs on phone, email and chat, which also includes a help centre for policy questions before a claim is opened and a live chat for quicker follow-up.
How long has the company been trading?+
die Bayerische has been writing business since 1858, and the legal entity behind the policies is BY die Bayerische Vorsorge Lebensversicherung a.G., based in Germany. For a reader weighing counterparty risk, a long trading history and a single named legal entity are the points worth holding on to.
Does die Bayerische cover renters?+
Not among the types it publishes. The lines on offer are auto, home and motorcycle, and contents-only renters cover is not in that list, whereas Good Sam Insurance Agency includes renters in auto, home and renters and may suit a tenant better.
Is the entry premium low against the rest of the market?+
Premiums start at €2.09 on the mobile phone line, which is below the site median, €8.37, and below the lower quartile figure, €2.92. Across the site, entry figures run from €0 to €3,431.08, so the starting bar is low while the spread behind it is wide.
Sources
- diebayerische.de checked September 26, 2026
Backs: Claims channels, Cover limit, Insurance types, Pricing model, Monthly payments, Support channels
“Autoversicherung, Motorradversicherung, Hausratversicherung, Wohngebaeudeversicherung, Lebensversicherung, Zahnzusatzversicherung, Reisekrankenversicherung, Hunde-Krankenversicherung,...”
- diebayerische.de/360-grad/unternehmen checked September 26, 2026
Backs: Provider type, Founded
- diebayerische.de/haftpflichtversicherung/handyversicherung checked September 26, 2026
Backs: Excess from, Premium from
- diebayerische.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“Anschrift: Thomas-Dehler-Str. 25, 81737 Muenchen ... Berufsbezeichnung: Gebundener Versicherungsvertreter gemaess SS 34d Abs. 7 S. 1 GewO / Bundesrepublik Deutschland”
- diebayerische.de/produkte/geschaeftskunden checked September 26, 2026
Backs: Cover types, Industries
“Betriebshaftpflicht, Gewerbliche Gebaeudeversicherung, Inhaltsversicherung”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
die Bayerische
One insurer for household lines and trade cover, with premiums from €2.09 and monthly payments.