Updated September 30, 2026 · AssureCue Editorial Team
die Bayerische vs TravelSecure
die Bayerische vs TravelSecure: the differences
| Compare |  die Bayerische |  TravelSecure |
|---|---|---|
| Premium from | €2.09Lower | €5 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Travel |
| Monthly payments | YesHas it | No |
| Excess from | €0 to €35Lower | €25 |
| Claims channels | Online, Post, Phone | Online, Email |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Not confirmed |
Same on both: Provider type (Insurer).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.0.
- Premium from is lower at die Bayerische: €2.09 vs €5.
- Monthly payments: only die Bayerische.
- Excess from is lower at die Bayerische: €0 to €35 vs €25.
- Insurance types: only die Bayerische offers Auto, Home, Motorcycle.
- Claims channels: only die Bayerische offers Post, Phone.
- Claims channels: only TravelSecure offers Email.
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.
TravelSecure
TravelSecure suits seniors planning travel cover through an insurer structure with direct underwriting and phone based help. Premiums start at €5 with excess at €25 and Monthly payments unavailable, so you pay per trip or per term in full before you travel.
Score breakdown
| Area | die Bayerische | TravelSecure |
|---|---|---|
| Cost | 9.4HigherEntry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. | 8.8Starting premiums at €5 keep entry costs modest for travel cover. |
| Offer | 9.6Higher | 8.4Focused travel cover through insurer keeps the offer narrow and clear. |
| Trust | 9.7Higher | 9.6Direct insurer status through insurer supports trust in claims handling. |
Where they rank in our lists
| Ranking | die Bayerische | TravelSecure |
|---|---|---|
| Travel insurance | 71 of 295 | 6 of 295 |
Sources behind this comparison
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
TravelSecure
- travelsecure.de: 7 facts, checked September 29, 2026
Every fact side by side
| Fact | die Bayerische | TravelSecure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1858 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Not confirmed |
Business insurance
| Fact | die Bayerische | TravelSecure |
|---|---|---|
| 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 | TravelSecure | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €5below the median | €6.02 |
| Excess from | €0 to €35below the median | €25below 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.
TravelSecure
Pros
- Premiums start at €5, which keeps entry pricing accessible for travel cover.
- Excess starts at €25, giving a clear retention figure before you commit.
- Insurer status through insurer keeps underwriting and claims under the same carrier.
Cons
- Monthly payments are unavailable, so you cannot spread costs across the term.
- Cover centres on travel, so you cannot bundle other household risks in the same place.
- Support runs on phone and help centre only, so you cannot use live chat or email for help.
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.
TravelSecure
Who it suits
- Seniors who want dedicated travel cover with phone support and clear starting premiums.
- Travellers who prefer an insurer model and are comfortable paying the term in full.
Who should look elsewhere
- Travellers who want to spread costs should consider AXA, as Monthly payments are unavailable with TravelSecure.
- Travellers who want intermediary choice should consider Explorer Travel Insurance, as TravelSecure acts as an insurer rather than 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 | TravelSecure |
|---|---|---|
| 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.
TravelSecure
What does TravelSecure travel cover cost to start?+
Premiums start at €5 for travel cover, with excess at €25. Monthly payments are unavailable, so you pay for the selected term in full. Check the chosen tariff before you commit, as the payable amount varies with trip length and options.
How does the excess work on a claim?+
Excess starts at €25 on the relevant travel tariff. You carry that share of each valid claim, while the insurer carries the balance under the terms. Review the excess that applies to cancellation, medical and baggage sections before you buy.
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