Updated October 17, 2026 · AssureCue Editorial Team
die Bayerische vs Insify IE
die Bayerische vs Insify IE: the differences
| Compare |  die Bayerische |  Insify IE |
|---|---|---|
| Cover types | Public liability, Property | Professional indemnity, Public liability |
| Premium from | €2.09Lower | €7.55 |
| Excess from | €0 to €35 | €0 |
| Industries | Retail, construction, cleaning, hospitality and health professions | IT consulting, software work, parcel delivery, coaching |
| Provider type | Insurer | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.5.
- Premium from is lower at die Bayerische: €2.09 vs €7.55.
- Cover types: only die Bayerische offers Property.
- Cover types: only Insify IE offers Professional indemnity.
- Support channels: only die Bayerische offers Chat, Help centre.
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.
Insify IE
Insify’s Irish homepage presents Professional Indemnity for financial loss caused by advice or work, starting at €10.80 per month, and Public Liability for accidental injury or property damage, starting at €7.55 per month. It says customers can arrange and manage cover online and that there are no setup or advice fees. These are advertised starting...
Score breakdown
| Area | die Bayerische | Insify IE |
|---|---|---|
| Cost | 9.4Entry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | Not confirmed |
| Offer | 9.6Higher | 8.5 |
| Trust | 9.7 | Not confirmed |
Licences and countries
| Country | die Bayerische | Insify IE |
|---|---|---|
| Germany | Not confirmed |
Feature by feature
| Cover types | die Bayerische | Insify IE |
|---|---|---|
| Public liability | Yes | Yes |
| Professional indemnity | No | Yes |
| Property | Yes | No |
How they place
| Ranking | die Bayerische | Insify IE |
|---|---|---|
| Business insurance | 29 of 147 | 28 of 147 |
| Public liability insurance | 10 of 52 | 9 of 52 |
Every fact side by side
| Fact | die Bayerische | Insify IE |
|---|---|---|
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | Insify B.V. |
| Headquarters | Germany | Netherlands |
| Founded | 1858 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | die Bayerische | Insify IE | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €7.55below the median | €8.08 |
| Excess from | €0 to €35below the median | €0below the median | €25 |
Median across 30 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.
Insify IE
Pros
- The page distinguishes client financial loss from injury or property damage.
- The homepage gives a separate monthly starting price for each cover and states that there are no setup or advice fees.
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.
Insify IE
Who it suits
- Irish freelancers, self-employed people and small-business owners deciding which business cover to request a quote for.
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 | Insify IE |
|---|---|---|
| Germany | Yes | No |
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.
Insify IE
How does Insify distinguish the two covers?+
It describes professional indemnity for financial loss caused by work or advice, and public liability for accidental injury or damage to someone else’s property.
What monthly starting prices are shown?+
The homepage shows €10.80 per month for Professional Indemnity and €7.55 per month for Public Liability. It also states that there are no setup or advice fees.
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