hepster review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

hepster suits people in Germany who want narrow add-on cover for a gadget, a pet or a trip rather than a whole household bundle, and it operates as a broker instead of a direct insurer. Gadget policies start at €2.45, and monthly payments are available.

Key facts

Best for
Narrow German add-on cover, such as gadget, pet or travel, paid monthly through a broker.
Premium from
€2.45 (Source, checked September 26, 2026)
Insurance types
Gadget, Pet, Travel (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Claims channels
Online customer account (Source, checked September 26, 2026)
Legal entity
MOINsure GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
hepster.com

Business insurance

Provider type
Broker (Source, checked September 26, 2026)
Premium from
€2.45 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Industries
commercial bicycle and e-bike fleets (Source, checked September 26, 2026)
Legal entity
MOINsure GmbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
WikidataLinkedInTrustpilottrustedshops.de

Pros and cons

Pros

  • Support runs on email, phone and help centre, with phone, email and a help centre listed for German policy holders.
  • The range stays narrow at gadget, pet and travel, so a reader can see the whole book at a glance.
  • The German Vermittlerregister entry D-LMZ8-K2DHK-45 is public, so the intermediary status can be checked.

Cons

  • Claims run through online customer account alone, so there is no in-person filing route.
  • The lines on offer are gadget, pet and travel, so auto, home or health cover has to come from elsewhere.
  • Support channels are email, phone and help centre, with no live chat among the listed options.
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Scored 8.8 / 10 by AssureCue.

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Who it suits

  • German buyers who want one small policy for a gadget, a pet or a trip.
  • People who would rather pay a monthly amount than commit to an annual premium, since monthly payments are available.
  • Businesses running bicycle or e-bike fleets, the niche named in commercial bicycle and e-bike fleets.

Who should look elsewhere

  • Anyone after auto, home or health cover, since Good Sam Insurance Agency lists auto, home and renters.
  • Readers chasing the smallest starting figure, since bonus.ch lists a starting premium of CHF 0.

Safety and regulation

hepster acts as a broker, broker, so cover sits with a partner insurer rather than with the brand itself, which changes who pays a claim. The German entry is the Vermittlerregister run by IHK zu Rostock, recorded as D-LMZ8-K2DHK-45. Readers in Germany can check that register entry, and it is the single regulatory mark listed for this brand.

Who runs it

The company behind the brand is MOINsure GmbH, with headquarters in DE and trading since 2016. Support runs on email, phone and help centre, so a policy holder can pick phone, email or the help centre. The Vermittlerregister identifier D-LMZ8-K2DHK-45 belongs to the same entity, so company details and regulatory details sit in one place.

How hepster compares

Where hepster is available

Available
Austria, France, Germany
Licence in Germany
IHK zu Rostock (Vermittlerregister) (D-LMZ8-K2DHK-45), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does cover start at?+

Gadget cover begins at €2.45, the lowest entry point among the add-on lines this broker sells. The payment model is monthly, so that figure is a monthly premium rather than a yearly one, which keeps the commitment small for a single trip or device.

Can I pay monthly instead of yearly?+

Yes, monthly payments are available and the model is monthly. That suits a policy holder who would rather spread a small premium across the year than commit to a single annual payment, and it works well for short cover such as a trip or a new gadget.

Is hepster an insurer or a broker?+

It is a broker, broker. The policy you buy is underwritten by a partner insurer, so the brand handles the sale while the insurer carries the risk. Reading which insurer sits behind a line is worth doing before you sign up.

How is hepster regulated in Germany?+

The German entry sits in the Vermittlerregister run by IHK zu Rostock, listed as D-LMZ8-K2DHK-45. It covers the intermediary side of the business, and that register entry is where German readers can confirm the details behind the brokerage.

How do I make a claim?+

Claims run through online customer account. That is the online route, so a claim is filed and tracked in the customer account rather than in person at a branch. Support on email, phone and help centre can take questions around a claim, but the filing route itself sits online.

How can I reach hepster?+

Support runs on email, phone and help centre, so phone, email and a help centre are all listed for German policy holders. Live chat is not part of that list, which makes phone or email the direct route for anything urgent.

What kinds of insurance does it sell?+

The range is gadget, pet and travel, so gadget, pet and travel are the lines on offer. Anything wider, such as auto or home, sits elsewhere, and Good Sam Insurance Agency lists auto, home and renters for readers who need those lines instead.

Who is hepster for?+

The brand serves German buyers after one narrow policy rather than a full household bundle, and commercial bicycle and e-bike fleets points to commercial bicycle and e-bike fleets as a further niche. It has traded since 2016, so it is a young broker built around small add-on cover.

Sources

  • hepster.com/de-de checked September 26, 2026

    Backs: Claims channels, Industries, Pricing model, Monthly payments

    “Report a claim 24/7 in a few steps - you can always conveniently report a claim online, via your customer account”

  • hepster.com/de-de/about checked September 26, 2026

    Backs: Founded

    “founded the company hepster together with our co-founder Hanna in May 2016”

  • hepster.com/de-de/affiliate checked September 26, 2026

    Backs: Insurance types

    “Our insurance products: mobile phone insurance, camera insurance, laptop insurance, dog health insurance, cat surgery insurance, Work and Travel insurance (foreign medical cover)”

  • hepster.com/de-de/handyversicherung checked September 26, 2026

    Backs: Premium from

    “Phone insurance book online from 2.45 EUR | hepster”

  • hepster.com/de-de/impressum checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Support channels, Licences

    “Registration in the intermediary register D-LMZ8-K2DHK-45, authorisation under Sec. 34d (1) German Trade Act, insurance representative”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

hepster

hepster

Narrow German add-on cover, such as gadget, pet or travel, paid monthly through a broker.

8.8/10See alternatives

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