Updated September 28, 2026 · AssureCue Editorial Team
die Bayerische vs Switchr.lu
Where die Bayerische and Switchr.lu differ
| Compare |  die Bayerische |  Switchr.lu |
|---|---|---|
| Premium from | €2.09Lower | €25 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Auto, Home, Health, Life |
| Provider type | Insurer | Comparison site |
| Excess from | €0 to €35 | €0 |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Not confirmed |
| Claims channels | Online, Post, Phone | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.6.
- Founded is lower at die Bayerische: 1858 vs 2022.
- Switchr.lu is available in 3 more countries.
- Premium from is lower at die Bayerische: €2.09 vs €25.
- Insurance types: only die Bayerische offers Motorcycle, Dental, Travel.
- Support channels: only die Bayerische offers Phone, 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.
Switchr.lu
Switchr.lu suits people in France comparing personal and business cover, especially expats, with home premiums from €25 and monthly payments available. It is a comparison site registered with OIAS, so the policy you end up with sits with a partner insurer rather than Switchr.lu itself.
Score breakdown
| Area | die Bayerische | Switchr.lu |
|---|---|---|
| Cost | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 9.1Home cover from €25, monthly payments, excess from €0 |
| Offer | 9.6Higher | 8.6 |
| Trust | 9.7Higher | 8.1 |
Feature by feature
| Insurance types | die Bayerische | Switchr.lu |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
Where each is licensed and available
| Country | die Bayerische | Switchr.lu |
|---|---|---|
| France | Not confirmed | ORIAS 26004449 |
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for Switchr.lu: 3.
Where they rank in our lists
| Ranking | die Bayerische | Switchr.lu |
|---|---|---|
| Car insurance | 52 of 375 | 278 of 375 |
| Home insurance | 37 of 273 | 252 of 273 |
| Life insurance | 34 of 263 | 247 of 263 |
| Health insurance | 32 of 216 | 200 of 216 |
| Business insurance | 29 of 147 | 127 of 147 |
| Public liability insurance | 10 of 52 | 48 of 52 |
What we checked
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
Switchr.lu
- switchr.lu: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | die Bayerische | Switchr.lu |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | WeSave SAS (RCS Paris 938 644 317) |
| Headquarters | Germany | France |
| Founded | 1858Lower | 2022 |
| Support channels | Phone, Email, Chat, Help centreCovers more |
Business insurance
| Fact | die Bayerische | Switchr.lu |
|---|---|---|
| Cover types | Public liability, Property | Public liability, Cyber, PropertyCovers more |
| Industries | Retail, construction, cleaning, hospitality and health professions | Not confirmed |
Where each stands against the rest
| Fact | die Bayerische | Switchr.lu | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €25highest quarter | €6.02 |
| Excess from | €0 to €35below the median | €0below the median | €50 |
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.
Switchr.lu
Pros
- Compares auto, home, health and life cover
- Home cover from €25, payable monthly
- Business lines include public liability, cyber and property
Cons
- Support runs on email only
- Monthly is the only payment model
- Personal lines cover auto, home, health and life only
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.
Switchr.lu
Who it suits
- Expats in France who need auto, home, health or life cover
- Households wanting to spread premiums through monthly payments
- Small businesses shopping for public liability, cyber or property cover
Who should look elsewhere
- Anyone who wants to deal with a single named insurer, since Switchr.lu compares rather than carries risk
- Anyone who wants to pay a premium once a year, because the only payment model is monthly
- Anyone wanting travel or pet cover, which sit outside the personal lines it lists
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
Switchr.lu
Current offer
Discount code
Expat service: negotiated partner tariffs (up to 250 EUR discount): up to 250 EUR discount
Free service for new arrivals relocating to Luxembourg, via the dedicated expat service page; personal selection of best offers plus support with administrative steps
Source, checked September 26, 2026
Country by country
| Country | die Bayerische | Switchr.lu |
|---|---|---|
| Belgium | No | Yes |
| France | No | Yes |
| Luxembourg | 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.
Switchr.lu
What does Switchr.lu do exactly?+
It is a comparison site, not an insurer. You use it to see what partner insurers offer for auto, home, health and life cover, and the policy you take out is underwritten by the insurer it comes from. It has worked with 6 partners in France.
What is the cheapest home cover on Switchr.lu?+
Home premiums start at €25. That figure is an entry point for a quote rather than a guaranteed price, and the final premium depends on the property and the cover you pick. The home ranking shows a median starting premium of €8.50.
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