Updated September 29, 2026 · AssureCue Editorial Team
die Bayerische vs HanseMerkur
die Bayerische vs HanseMerkur: the differences
| Compare |  die Bayerische |  HanseMerkur |
|---|---|---|
| Premium from | €2.09Lower | €3.36 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Auto, Dental, Health, Pet, Travel |
| Excess from | €0 to €35Lower | €150 |
| Claims channels | Online, Post, PhoneCovers more | Online |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | 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 9.3.
- Founded is lower at die Bayerische: 1858 vs 1875.
- Premium from is lower at die Bayerische: €2.09 vs €3.36.
- Excess from is lower at die Bayerische: €0 to €35 vs €150.
- Insurance types: only die Bayerische offers Home, Motorcycle, Life.
- Claims channels: only die Bayerische offers Post, Phone.
- Support channels: only die Bayerische offers 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.
HanseMerkur
HanseMerkur suits households seeking cover for auto, dental, health, pet and travel under direct insurer management with monthly payments available, while listed premiums sit at €3.36 with excess at €150. Support spans email, help centre and phone and claims run through online for straightforward administration.
Score breakdown
| Area | die Bayerische | HanseMerkur |
|---|---|---|
| Cost | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 9.0Listed premium sits at €3.36 with monthly payments available. |
| Offer | 9.6Higher | 8.8Cover spans auto, dental and health with claims through online. |
| Trust | 9.7 | 9.8HigherDirect placement as insurer with support through email, help centre and phone. |
Feature by feature
| Insurance types | die Bayerische | HanseMerkur |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | Yes |
| Income protection | Yes | No |
| Gadget | Yes | No |
Positions in our rankings
| Ranking | die Bayerische | HanseMerkur |
|---|---|---|
| Car insurance | 50 of 393 | 1 of 393 |
| Health insurance | 31 of 215 | 2 of 215 |
| Travel insurance | 64 of 291 | 3 of 291 |
| Pet insurance | 27 of 161 | 2 of 161 |
| Business insurance | 28 of 150 | 3 of 150 |
| Dental insurance | 11 of 50 | 1 of 50 |
Where these facts come from
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
HanseMerkur
- hansemerkur.de: 11 facts, checked September 28, 2026
Every fact side by side
| Fact | die Bayerische | HanseMerkur |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | HanseMerkur Krankenversicherung auf Gegenseitigkeit |
| Headquarters | Germany | Germany |
| Founded | 1858Lower | 1875 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Help centre, Phone |
Business insurance
| Fact | die Bayerische | HanseMerkur |
|---|---|---|
| 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 | HanseMerkur | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €3.36below the median | €5.97 |
| Excess from | €0 to €35below the median | €150above 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.
HanseMerkur
Pros
- Operates as insurer, so cover, servicing and claims sit under direct management.
- Lists cover across auto, dental and health, including auto, health, travel, pet and dental in a single portfolio.
- Monthly payments are available, with billing model shown as monthly for budgeting flexibility.
Cons
- Excess sits at €150, which adds upfront cost on eligible claims.
- Claims run through online only, which limits how claims can be started.
- Support runs through email, help centre and phone only, without live chat for urgent queries.
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.
HanseMerkur
Who it suits
- Households seeking several personal lines together, with cover across auto, dental and health.
- Readers who value direct insurer management, as HanseMerkur operates as insurer.
- Budget planners wanting instalments, since monthly payments are available under monthly.
Who should look elsewhere
- Readers wanting live chat support may prefer checking andsafe, since HanseMerkur support runs through email, help centre and phone only.
- Readers seeking cover outside auto, dental, health, pet and travel may look at Hiscox, as HanseMerkur lists auto, dental and health.
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 | HanseMerkur |
|---|---|---|
| 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.
HanseMerkur
What is the starting premium at HanseMerkur?+
Listed premium for HanseMerkur sits at €3.36. Actual pricing varies by cover type, excess selected, personal details and underwriting terms, so readers should obtain a tailored quote for auto, health, travel, pet or dental cover before comparing.
What excess applies to HanseMerkur cover?+
Excess at HanseMerkur sits at €150. The excess shapes claim costs because policyholders meet that share before insurer payment applies. Readers should check which claims carry excess, whether options differ by product and how excess affects renewal pricing.
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