Updated September 29, 2026 · AssureCue Editorial Team
die Bayerische vs Explorer Travel Insurance
die Bayerische vs Explorer Travel Insurance: the differences
| Compare |  die Bayerische |  Explorer Travel Insurance |
|---|---|---|
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Travel |
| Provider type | Insurer | Broker |
| Excess from | €0 to €35 | £0 |
| Claims channels | Online, Post, Phone | Phone, Email |
| Premium from | €2.09 | Not confirmed |
| Monthly payments | Yes | Not confirmed |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Not confirmed |
| Age range | Not confirmed | Single trip no max; annual to 79 |
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.9.
- Explorer Travel Insurance is available in 3 more countries.
- Insurance types: only die Bayerische offers Auto, Home, Motorcycle.
- Claims channels: only die Bayerische offers Online, Post.
- Claims channels: only Explorer Travel Insurance offers Email.
Our verdict on each
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.
Explorer Travel Insurance
Explorer Travel Insurance suits holidaymakers seeking dedicated travel cover with clear age terms covering Single trip no max; annual to 79 and claims support across phone and email. Backed as a broker model with excess at £0, it records an overall rating of 8.9 among travel focused providers on this site.
Score breakdown
| Area | die Bayerische | Explorer Travel Insurance |
|---|---|---|
| Cost | 9.4Entry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 9.6HigherExcess sits at £0 which supports low extra cost at claim stage. |
| Offer | 9.6Higher | 8.4Cover stays centred on travel across travel with defined age terms. |
| Trust | 9.7Higher | 8.7Broker status is stated as broker under licence 583108. |
What each covers
| Insurance types | die Bayerische | Explorer Travel Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
How they place
| Ranking | die Bayerische | Explorer Travel Insurance |
|---|---|---|
| Travel insurance | 71 of 295 | 5 of 295 |
Every fact side by side
| Fact | die Bayerische | Explorer Travel Insurance |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1858 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Not confirmed |
Business insurance
| Fact | die Bayerische | Explorer Travel Insurance |
|---|---|---|
| Cover types | Public liability, Property | Not confirmed |
| Industries | Retail, construction, cleaning, hospitality and health professions | Not confirmed |
Where each stands against the rest
| Fact | die Bayerische | Explorer Travel Insurance | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | Not confirmed | €6.02 |
Median across 116 listed insurance providers.
Pros and cons
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.
Explorer Travel Insurance
Pros
- Excess is shown as £0, which keeps small claims from being eroded by a large retained amount.
- Cover is dedicated to travel, which suits travellers who value a focused travel range over bundled lines.
- Claims contact spans phone and email, giving you both phone and email routes when you need help abroad.
Cons
- Range stays limited to travel so households wanting bundled home or motor cover may look elsewhere.
- Support runs on email and phone only, so travellers who prefer live chat or help centre contact may find choice narrow.
- Annual cover carries age terms noted in Single trip no max; annual to 79, so older travellers seeking yearly cover should check limits closely.
Who each suits
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.
Explorer Travel Insurance
Who it suits
- Frequent holidaymakers who want travel only protection may choose Explorer Travel Insurance over AXA because cover stays on travel rather than a wide household panel.
- Mature single trip travellers who value phone help may choose Explorer Travel Insurance over MyPhysicianPlan because support spans email and phone with age terms set out in Single trip no max; annual to 79.
Who should look elsewhere
- Travellers wanting bundled car, home and health cover in a single place may prefer AXA because Explorer Travel Insurance covers travel only across travel.
- Travellers who want direct insurer placement may prefer TravelSecure because Explorer Travel Insurance acts as broker rather than insurer.
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 | die Bayerische | Explorer Travel Insurance |
|---|---|---|
| Germany | Yes | No |
| Guernsey | No | Yes |
| Isle of Man | No | Yes |
| Jersey | No | Yes |
| United Kingdom | No | Yes |
Questions about each
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.
Explorer Travel Insurance
What excess applies to Explorer Travel Insurance?+
Excess is listed as £0, which reads as free at the point shown. Your final premium will still vary by trip length, destination, age and options chosen, so review the quote summary before payment.
Does Explorer Travel Insurance cover anything besides travel?+
Insurance types are shown as travel. That focus suits travellers who want a dedicated travel provider rather than a bundled household insurer, though you will need separate arrangements for other lines.
Other options to compare
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