Updated September 30, 2026 · AssureCue Editorial Team
KS/AUXILIA vs Select & Protect
Where KS/AUXILIA and Select & Protect differ
| 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.
Our verdict on each
KS/AUXILIA
KS Auxilia suits readers seeking specialist legal expenses cover with breakdown protection from an insurer active since 1964, with monthly payments available and direct support across email, chat and phone for adults managing traffic related disputes in Germany through clear claims routes.
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 | 9.3HigherPremiums start at €5.04 with excess terms of €0 keeping entry costs contained | 9.0Excess for travel claims sits at £50 with Monthly payments marked yes. |
| Offer | 9.2Focus on legal expenses and breakdown with cover limit of Unlimited defines a narrow specialist offer | 9.5HigherPortfolio spans travel, pet and home with Gold medical cover at Up to £10 million medical expenses - Gold travel policy. |
| Trust | 9.6HigherDirect insurer status as insurer with support via email, chat and phone supports accountability | 8.8Operates as broker under licence 597211. |
What each covers
| Insurance types | KS/AUXILIA | Select & Protect |
|---|---|---|
| Home | No | Yes |
| Travel | No | Yes |
| Pet | No | Yes |
| Breakdown | Yes | No |
| Home emergency | No | Yes |
| Legal expenses | Yes | Yes |
Where they rank in our lists
| Ranking | KS/AUXILIA | Select & Protect |
|---|---|---|
| Legal expenses insurance | 1 of 9 | 7 of 9 |
Availability and regulation
| Country | KS/AUXILIA | Select & Protect |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 597211 |
Additional countries for KS/AUXILIA: 1. Additional countries for Select & Protect: 1.
Which one suits you
Pick KS/AUXILIA if cost, trust, and claims channels matter most.
Pick Select & Protect if offer matter most.
Where these facts come from
KS/AUXILIA
- ks-auxilia.de: 10 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 | Not confirmed | Hood Group Limited |
| Headquarters | Not confirmed | United Kingdom |
| Support channels | Not confirmed | Email, Chat, Phone, Help centre |
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 of Unlimited for traffic legal protection gives generous headroom within stated policy terms
- Claims contact across online, phone and email gives flexible online, phone, email and chat routes for reporting
- Billing structured as monthly with Monthly payments: yes helps spread costs across the year
Cons
- Range stays centred on legal expenses and breakdown, while Esure also lists auto, home, travel and gadget cover in auto, home and renters
- Support runs on email, chat and phone only, which shapes how readers plan contact around claims and advice
- Entry is limited to 18+, which excludes younger readers by design
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
- Seniors seeking legal expenses focus rather than Esure style general cover across motor and home
- Motorists wanting traffic legal defence plus breakdown help rather than durchblicker.at comparison breadth
Who should look elsewhere
- Readers wanting broad household or motor cover should consider Esure for wider choice across auto, home and travel
- Readers wanting Swiss based advice should consider Dextra Rechtsschutz for local market focus
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
What does KS Auxilia charge to start?+
Premiums start at €5.04 with Monthly payments: yes. Billing follows monthly terms, so readers can spread costs across the year rather than paying in a lump sum where cash flow matters.
Is there an excess to pay on claims?+
Excess terms sit at €0 for the traffic legal product. That structure removes deductible debate at claim stage and helps readers compare headline premium against true outlay with greater clarity.
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.