Updated September 28, 2026 · AssureCue Editorial Team
Getsafe vs Income Insurance
What sets them apart
| Compare |  Getsafe |  Income Insurance |
|---|---|---|
| Premium from | €2.90 | SGD 0.60 |
| Insurance types | Home, Dental, Life, Health, Travel, Pet, Income protection | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Provider type | Broker | Insurer |
| Excess from | €0 | SGD 250 |
| Cover limit | Up to 4x the official German vet fee rate | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
| Claims channels | App, Phone, Chat | Phone, Email, Online form, Mobile app, Customer portal |
| Monthly payments | Yes | Not confirmed |
| Age range | Not confirmed | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
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Key differences
- Income Insurance scores higher overall: 9.4 vs 9.1.
- Founded is lower at Income Insurance: 1970 vs 2015.
- Getsafe is available in 1 more country.
- Insurance types: only Getsafe offers Dental, Income protection.
- Insurance types: only Income Insurance offers Auto, Motorcycle.
- Claims channels: only Getsafe offers App, Chat.
- Claims channels: only Income Insurance offers Email, Online form, Mobile app.
- Support channels: only Getsafe offers Chat.
- Audience: only Getsafe offers Expats.
Our verdict on each
Getsafe
Getsafe suits people in Germany who want one broker for personal lines and a monthly bill rather than a yearly one. Premiums start at €2.90 and monthly payments are available, though the broker model means the cover sits with an insurer, not with Getsafe itself.
Income Insurance
Income Insurance suits anyone who wants a single insurer to hold several personal policies from a company based in Singapore, and it scores 5.6 here. On entry price it ranks 24 of 252 brands, so get a quote on your own details before committing to any plan.
Score breakdown
| Area | Getsafe | Income Insurance |
|---|---|---|
| Cost | 9.4HigherPremiums start at €2.90 with an excess of €0, and monthly is monthly only. | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. |
| Offer | 9.5 | 9.6Higher |
| Trust | 8.6 | 9.5Higher |
Feature by feature
| Insurance types | Getsafe | Income Insurance |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Dental | Yes | No |
| Income protection | Yes | No |
How they place
| Ranking | Getsafe | Income Insurance |
|---|---|---|
| Home insurance | 18 of 272 | 7 of 272 |
| Life insurance | 14 of 261 | 6 of 261 |
| Health insurance | 18 of 215 | 7 of 215 |
| Travel insurance | 26 of 291 | 11 of 291 |
| Pet insurance | 11 of 161 | 6 of 161 |
Sources behind this comparison
Getsafe
- hellogetsafe.com: 13 facts, checked September 26, 2026
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Getsafe | Income Insurance |
|---|---|---|
| Audience | Expats, SeniorsCovers more | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | Getsafe Digital GmbH | Income Insurance Limited |
| Headquarters | Germany | Singapore |
| Founded | 2015 | 1970Lower |
| Support channels | Email, Phone, Chat, Help centreCovers more | Phone, Email, Help centre |
Business insurance
| Fact | Getsafe | Income Insurance |
|---|---|---|
| Cover types | Not confirmed | Professional indemnity |
Pros and cons
Getsafe
Pros
- Premiums start at €2.90, below the site median of €8.37.
- The excess starts at €0 on liability cover, so a claim need not reduce a payout.
- Monthly payments are available, and monthly lists monthly as the only payment model.
Cons
- Getsafe is a broker, so you buy cover from an insurer and the policy terms sit outside this site.
- home, dental and life does not list car, renters or landlord cover, so you would need a second provider for those.
- Monthly payments are the only option in monthly, with no annual payment to cut the cost.
Income Insurance
Pros
- A single insurer for the lot: auto, home and life and professional indemnity can sit with the same company, so personal and trade policies need not be split across providers.
- Claim handling runs through phone, email and online form, so you can start a claim by whichever route suits the moment, from a form to a call.
- Support is listed as phone, email and help centre, so a quote or renewal question has a phone line, an inbox and a help centre behind it.
Cons
- The pet excess starts at SGD 250, so a routine claim still leaves that amount with you before the insurer pays anything.
- The pet age range rules older animals out: the pet must be above a minimum age and below a maximum age at the policy start.
- The pet cover limit moves through a fixed annual range under Happy Tails Pet Insurance rather than a single high ceiling, so a costly year at the vet can outrun the policy.
Who each suits
Getsafe
Who it suits
- People living in Germany who want one app for home, dental, life, health, travel, pet and income protection.
- Expats and newcomers to Germany, since expats and seniors lists expats and seniors.
- Anyone who prefers a monthly bill and a €0 excess rather than paying a year up front.
Who should look elsewhere
- Drivers and landlords: home, dental and life has no car, renters or landlord lines.
- Anyone wanting annual payments to cut the cost, because monthly is monthly only.
- Buyers who want to contract with an insurer directly, as Getsafe is a broker.
Income Insurance
Who it suits
- Anyone who wants their auto, home and life cover gathered under a single insurer rather than split across providers.
- Seniors, named as an audience on seniors, and households that still want a phone line on phone, email and help centre.
- Pet owners whose animal sits inside the age window and whose yearly vet bills stay under the pet cover limit.
Who should look elsewhere
- Anyone chasing the lowest entry figure on its own: bunq starts at €0, which is the number to weigh before settling on Income Insurance.
- Renters who need contents-only cover, since Good Sam Insurance Agency lists auto, home and renters and that line is missing from auto, home and life.
- Pet owners with older animals or very large veterinary bills, who are better served by a pet-focused insurer than by Income Insurance.
Current offers
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | Getsafe | Income Insurance |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Singapore | No | Yes |
Questions about each
Getsafe
How much does Getsafe cost?+
Premiums start at €2.90, and the site median across listed brands is €8.37. The €0 excess on liability cover sits at the lower end too, so a liability claim does not come out of your pocket first. Actual price depends on which line you take.
Can I pay monthly instead of yearly?+
Yes, monthly payments are available, and monthly lists monthly as the only payment model. There is no annual option in the same fact, so anyone hoping to pay once a year to save on the total should look elsewhere or ask the insurer directly.
Income Insurance
How much does cover start at?+
Premiums begin at SGD 0.60. That is the entry figure across Income Insurance products and a starting point rather than a quote for your own situation. The cover you pick and the details you give shape the price you are offered, so read it as the entry point of the range, not the amount you are likely to pay.
Is there an excess to pay on a claim?+
On Happy Tails Pet Insurance, the excess starts at SGD 250. The excess is the part of a claim you cover yourself before the insurer pays the rest. A lower excess is gentler on a routine vet visit, while a higher starting excess keeps the premium smaller. Picture a normal appointment and check that the amount you would pay alone still feels comfortable.
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