Updated September 29, 2026 · AssureCue Editorial Team
Income Insurance vs KS Auxilia
What sets them apart
| Compare |  Income Insurance |  KS Auxilia |
|---|---|---|
| Premium from | SGD 0.60 | €5.04 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle | Legal expenses, Breakdown |
| Excess from | SGD 250 | €0 |
| Cover limit | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) | Unlimited |
| Claims channels | Phone, Email, Online form, Mobile app, Customer portal | Online, Phone, Email, Chat |
| Age range | Pet insured must be at least 16 weeks old and below 9 years old at policy start | 18+ |
| Monthly payments | Not confirmed | Yes |
Same on both: Provider type (Insurer).
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Key differences
- Founded is lower at KS Auxilia: 1964 vs 1970.
- Insurance types: only Income Insurance offers Auto, Home, Life.
- Insurance types: only KS Auxilia offers Legal expenses, Breakdown.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Claims channels: only KS Auxilia offers Online, Chat.
- Support channels: only Income Insurance offers Help centre.
- Support channels: only KS Auxilia offers Chat.
Our verdict on each
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.
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
Score breakdown
| Area | Income Insurance | KS Auxilia |
|---|---|---|
| Cost | 9.1Premiums from SGD 0.60 sit below the site median of €8.37, while the pet excess starts at SGD 250. | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend |
| Offer | 9.6Higher | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited |
| Trust | 9.5 | 9.6HigherEstablished direct structure as insurer dating to 1964 |
Positions in our rankings
| Ranking | Income Insurance | KS Auxilia |
|---|---|---|
| Business insurance | 9 of 151 | 1 of 151 |
What each covers
| Insurance types | Income Insurance | KS Auxilia |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Breakdown | No | Yes |
| Legal expenses | No | Yes |
Every fact side by side
| Fact | Income Insurance | KS Auxilia |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Income Insurance Limited | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft |
| Headquarters | Singapore | Germany |
| Founded | 1970 | 1964Lower |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone |
Business insurance
| Fact | Income Insurance | KS Auxilia |
|---|---|---|
| Cover types | Professional indemnity | Not confirmed |
| Industries | Not confirmed | Private households, trades, medical professions, farmers, companies |
Pros and cons
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.
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
Who each suits
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.
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
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 | Income Insurance | KS Auxilia |
|---|---|---|
| Germany | No | Yes |
| Singapore | Yes | No |
Questions about each
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.
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
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