Updated September 28, 2026 · AssureCue Editorial Team
die Bayerische vs Oney Préstamos ES
What sets them apart
| Compare |  die Bayerische |  Oney Préstamos ES |
|---|---|---|
| Premium from | €2.09Lower | €1,000 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Health, Life, Gadget |
| Provider type | Insurer | Broker |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Up to 45,000 EUR |
| Claims channels | Online, Post, Phone | Help centre |
| Excess from | €0 to €35 | Not confirmed |
| Age range | Not confirmed | Of legal age only |
Same on both: Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.7.
- Premium from is lower at die Bayerische: €2.09 vs €1,000.
- Insurance types: only die Bayerische offers Auto, Home, Motorcycle.
- Claims channels: only die Bayerische offers Online, Post, Phone.
- Claims channels: only Oney Préstamos ES offers Help centre.
- Support channels: only die Bayerische offers Email.
- Support channels: only Oney Préstamos ES offers Community.
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.
Oney Préstamos ES
Oney Préstamos ES is a Spanish broker offering health, life and gadget cover, with monthly payments and support by phone, chat, a help centre and a community, which suits readers who want protection in a single place. Its starting premium of €1,000 sits well above cheaper rivals such as Linxea at €25.
Score breakdown
| Area | die Bayerische | Oney Préstamos ES |
|---|---|---|
| Cost | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 8.6 |
| Offer | 9.6Higher | 8.9 |
| Trust | 9.7Higher | 8.8 |
Side by side, item by item
| Insurance types | die Bayerische | Oney Préstamos ES |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | Yes |
Where each is licensed and available
| Country | die Bayerische | Oney Préstamos ES |
|---|---|---|
| Germany | Not confirmed | |
| Spain | Not confirmed | Banco de España 8.814 |
Additional countries for die Bayerische: 1. Additional countries for Oney Préstamos ES: 1.
A third option
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.09 for die Bayerische and €1,000 for Oney Préstamos ES.
HanseMerkur Reiseversicherung AT reviewWhere these facts come from
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | die Bayerische | Oney Préstamos ES |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | Oney Servicios Financieros E.F.C., S.A.U |
| Headquarters | Germany | Spain |
| Founded | 1858 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Phone, Chat, Help centre, Community |
Business insurance
| Fact | die Bayerische | Oney Préstamos ES |
|---|---|---|
| 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 | Oney Préstamos ES | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €1,000highest quarter | €6.06 |
| Excess from | €0 to €35below the median | Not confirmed | €50 |
Median across 117 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.
Oney Préstamos ES
Pros
- Monthly payments are available, so the premium is spread across the year rather than settled in a single sum.
- Support runs on phone, chat and help centre, so phone and chat sit alongside a help centre and a community.
- The firm is named and supervised: Oney Servicios Financieros E.F.C., S.A.U holds a Banco de España authorisation, 8.814.
Cons
- The starting premium of €1,000 sits well above €25 at Linxea, so price on its own points elsewhere.
- The range is health, life and gadget, narrower than auto, home and renters at Good Sam Insurance Agency.
- Claims run through help centre only, so a claim is handled in the help centre rather than on a claims line.
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.
Oney Préstamos ES
Who it suits
- People in Spain who meet the age rule, Of legal age only, and want a health or life policy billed monthly.
- Readers who value a real support desk, given phone, chat and help centre covers phone and chat as well as the help centre.
- Holders of an exposure that fits inside Up to 45,000 EUR and who can live with the health, life and gadget range.
Who should look elsewhere
- Shoppers on a tight budget: Linxea starts at €25 and bonus.ch lists CHF 0 at the other end.
- Readers wanting a wide set of policies gathered in one place: Good Sam Insurance Agency lists auto, home and renters against Oney's health, life and gadget.
- Anyone insuring something large: cover stops at Up to 45,000 EUR.
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
Oney Préstamos ES
Current offer
Bonus
Ahorrar es fácil - reimbursement on Alcampo card purchases: Up to 100 EUR per year
Plan "Ahorrar es fácil", only for purchases paid with the Oney Alcampo card in Alcampo centres
Source, checked September 26, 2026
Country by country
| Country | die Bayerische | Oney Préstamos ES |
|---|---|---|
| Germany | Yes | No |
| Spain | 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.
Oney Préstamos ES
How much does cover start at?+
Cover starts at a premium of €1,000, and monthly payments are available, so the charge is spread rather than settled upfront. Linxea lists €25 as its starting point and bonus.ch lists CHF 0, so Oney sits well above the cheaper end of the market on the entry figure.
Is Oney Préstamos ES regulated?+
The operation sits with Oney Servicios Financieros E.F.C., S.A.U, a broker registered in Spain, and it is authorised by Banco de España under 8.814. The authorisation means the firm answers to a named supervisor in Spain, although it arranges policies rather than writing the risk itself, since it is a broker.
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