Updated September 29, 2026 · AssureCue Editorial Team
KS Auxilia vs Select & Protect
What sets them apart
| Compare |  KS Auxilia |  Select & Protect |
|---|---|---|
| Insurance types | Legal expenses, Breakdown | Travel, Pet, Home, Home emergency, Legal expenses |
| Provider type | Insurer | Broker |
| Excess from | €0 | £50 |
| Cover limit | Unlimited | Up to £10 million medical expenses - Gold travel policy |
| Claims channels | Online, Phone, Email, ChatCovers more | Online, Phone, Email |
| Age range | 18+ | Single-trip up to 100 |
| Premium from | €5.04 | Not confirmed |
Same on both: Monthly payments (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- KS Auxilia scores higher overall: 9.4 vs 9.0.
- Insurance types: only KS Auxilia offers Breakdown.
- Insurance types: only Select & Protect offers Travel, Pet, Home.
- Claims channels: only KS Auxilia offers Chat.
- Support channels: only Select & Protect offers Help centre.
Our verdict on each
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.
Select & Protect
Select and Protect suits seniors and households wanting travel, pet, home and emergency cover arranged in a shared place. Travel excess sits at £50 with Monthly payments marked yes, while Gold travel medical cover reaches Up to £10 million medical expenses - Gold travel policy.
Score breakdown
| Area | KS Auxilia | Select & Protect |
|---|---|---|
| Cost | 9.3HigherModest starting point shown by €5.04 with €0 easing initial spend | 9.0Excess for travel claims sits at £50 with Monthly payments marked yes. |
| Offer | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited | 9.5HigherPortfolio spans travel, pet and home with Gold medical cover at Up to £10 million medical expenses - Gold travel policy. |
| Trust | 9.6HigherEstablished direct structure as insurer dating to 1964 | 8.8Operates as broker under licence 597211. |
How they place
| Ranking | KS Auxilia | Select & Protect |
|---|---|---|
| Legal expenses insurance | 2 of 9 | 7 of 9 |
Availability and regulation
| Country | KS Auxilia | Select & Protect |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 597211 |
Additional countries for KS Auxilia: 1. Additional countries for Select & Protect: 1.
Sources behind this comparison
KS Auxilia
- ks-auxilia.de: 14 facts, checked September 29, 2026
Select & Protect
- selectandprotect.co.uk: 12 facts, checked September 29, 2026
Every fact side by side
| Fact | KS Auxilia | Select & Protect |
|---|---|---|
| Audience | Seniors | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft | Hood Group Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 1964 | Not confirmed |
| Support channels | Email, Chat, Phone | Email, Chat, Phone, Help centreCovers more |
Business insurance
| Fact | KS Auxilia | Select & Protect |
|---|---|---|
| Industries | Private households, trades, medical professions, farmers, companies | Not confirmed |
Where each stands against the rest
| Fact | KS Auxilia | Select & Protect | Median |
|---|---|---|---|
| Premium from | €5.04below the median | Not confirmed | €5.97 |
Median across 109 listed insurance providers.
Pros and cons
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
Select & Protect
Pros
- Travel cover notes seniors with age reach at Single-trip up to 100, which suits older travellers.
- Gold travel medical cover reaches Up to £10 million medical expenses - Gold travel policy, giving generous emergency care headroom abroad.
- Monthly payments is marked yes with pet billing on monthly, helping you spread costs.
Cons
- As broker, policy terms and claims handling sit with partner insurers rather than Select and Protect itself.
- Travel excess applies at £50, so modest claims may leave you funding a visible share yourself.
- Cover focuses on travel, pet and home, so riders seeking auto or life cover may prefer die Bayerische.
Who each suits
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
Select & Protect
Who it suits
- Seniors seeking travel cover with later life age reach, where andsafe may feel less focused on that group.
- Households wanting pet, home and legal expenses together, where Hiscox may feel more home and landlord led.
Who should look elsewhere
- Riders seeking auto or motorcycle cover, where Hiscox may fit better given its broader motor related options.
- Households seeking life, health or income protection, where die Bayerische may fit better given its wider personal cover range.
Country by country
| Country | KS Auxilia | Select & Protect |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
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.
Select & Protect
What excess applies to a Select and Protect travel claim?+
Travel excess applies at £50. You fund that share of each approved claim, with the insurer meeting the balance under policy terms. Review the schedule before you buy so the outlay feels clear and expected.
Can you spread premiums with monthly payments?+
Monthly payments is marked yes and pet cover uses monthly. You can spread premiums across the year rather than settling the full term in a lump sum. Check whether instalment terms add fees or alter cancellation rights.
Other options to compare
Other matchups
- KS Auxilia vs Income Insurance
- KS Auxilia vs AA Breakdown
- KS Auxilia vs Aviva
- KS Auxilia vs DZI
- KS Auxilia vs MiWay
- KS Auxilia vs Dextra Rechtsschutz
- KS Auxilia vs Laka
- Select & Protect vs Domestic Appliance Guard
- Select & Protect vs Coverbaloo Home Emergency
- Select & Protect vs Home Emergency Assist
- Select & Protect vs Hometree
- Select & Protect vs YourRepair
- Select & Protect vs CORGI HomePlan
- Select & Protect vs KS/AUXILIA
- KS Auxilia vs MyPhysicianPlan
- KS Auxilia vs HanseMerkur
- KS Auxilia vs andsafe
- KS Auxilia vs MSIG Insurance (Thailand)
- KS Auxilia vs Acko
- KS Auxilia vs Eversure
- KS Auxilia vs hotline.finance
- KS Auxilia vs Emergency Assist
Related by the facts
- andsafe, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Insurance providers with Legal expenses
- Insurance providers available in Germany
- Explorer Travel Insurance, also regulated by Financial Conduct Authority
- Insurance providers with Breakdown
- Insurance providers available in United Kingdom