Updated September 28, 2026 · AssureCue Editorial Team
die Bayerische vs Getsafe
Where die Bayerische and Getsafe differ
| Compare |  die Bayerische |  Getsafe |
|---|---|---|
| Premium from | €2.09Lower | €2.90 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Home, Dental, Life, Health, Travel, Pet, Income protection |
| Provider type | Insurer | Broker |
| Excess from | €0 to €35 | €0 |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Up to 4x the official German vet fee rate |
| Claims channels | Online, Post, Phone | App, Phone, Chat |
Same on both: Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.1.
- Founded is lower at die Bayerische: 1858 vs 2015.
- Getsafe is available in 1 more country.
- Premium from is lower at die Bayerische: €2.09 vs €2.90.
- Insurance types: only die Bayerische offers Auto, Motorcycle, Gadget.
- Claims channels: only die Bayerische offers Online, Post.
- Claims channels: only Getsafe offers App, Chat.
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.
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 | die Bayerische | Getsafe |
|---|---|---|
| Cost | 9.4Entry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 9.4Premiums 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 | die Bayerische | Getsafe |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | Yes |
| Income protection | Yes | Yes |
| Gadget | Yes | No |
Licences and countries
| Country | die Bayerische | Getsafe |
|---|---|---|
| Germany | Industrie- und Handelskammer Rhein-Neckar D-QYBT-RIQKC-30 |
Available in 1 country for both. Additional countries for Getsafe: 1.
Positions in our rankings
| Ranking | die Bayerische | Getsafe |
|---|---|---|
| Home insurance | 36 of 273 | 18 of 273 |
| Life insurance | 33 of 263 | 14 of 263 |
| Health insurance | 32 of 215 | 18 of 215 |
| Travel insurance | 69 of 295 | 27 of 295 |
| Pet insurance | 30 of 163 | 11 of 163 |
| Income protection insurance | 6 of 92 | 4 of 92 |
| Dental insurance | 12 of 50 | 8 of 50 |
Every fact side by side
| Fact | die Bayerische | Getsafe |
|---|---|---|
| Audience | Not confirmed | Expats, Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | Getsafe Digital GmbH |
| Headquarters | Germany | Germany |
| Founded | 1858Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Chat, Help centre |
Business insurance
| Fact | die Bayerische | Getsafe |
|---|---|---|
| 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 | Getsafe | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €2.90below the median | €5.97 |
| Excess from | €0 to €35below the median | €0below the median | €70 |
Median across 109 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.
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
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.
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.
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 | Getsafe |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | 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.
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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