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andsafe review

Updated October 17, 2026 · SumCue Editorial Team

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Our verdict

andsafe is a digital insurer with a focused private range around bicycle, household, liability, travel and motor cover alongside business policies. It suits people who want straightforward online cover with clear wording and round the clock emergency support for travel.

Key facts

Best for
Households wanting simple digital insurance cover
Insurance types
Auto, Home, Travel, Bicycle
Official website
andsafe.de

Pros and cons

Pros

  • Private cover spans bicycle, household contents, liability, travel and motor insurance
  • Used bicycles insured without age restriction and always without excess
  • Liability cover protects worldwide and includes rental and favour related damage
  • Travel cover includes trip cancellation, interruption, luggage and emergency helpline

Cons

  • Private range covers only a small set of everyday risks
  • Digital setup means cover and management stay online only
andsafe

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Scored 8.5 / 10 by SumCue.

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Who it suits

  • Cyclists seeking theft and comprehensive bicycle protection
  • Families wanting worldwide personal liability protection
  • Travellers wanting cancellation, interruption and luggage cover

Who should look elsewhere

  • People wanting face to face advice in a branch

Private and business cover

The private range covers bicycles, household contents, personal liability, travel and motor risks. Business policies sit alongside it and include general liability, professional liability for planning and advisory work, and cover for stock, equipment and fittings. Protection is written to reach across many everyday situations, so one policy holder can cover home life and working life with the same insurer. The wording is kept in plain language rather than long technical clauses.

Our full take

andsafe is a digital insurer for private and business customers in Germany. Its private range includes bicycle, household contents, personal liability, travel and motor insurance, and its business range includes business liability, professional liability for financial loss and contents insurance.

How andsafe compares

Where andsafe is available

Available
Germany

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What private insurance does andsafe offer?+

andsafe provides private cover for bicycle, household contents, personal liability, travel and motor risks. The range also includes dog liability and e bike cover. Business liability, professional liability for financial loss and business contents sit alongside the private line.

What does bicycle cover include?+

Bicycle cover ranges from theft protection to comprehensive protection for everyday uncertainties. Used bicycles receive cover without an age restriction. Every bicycle policy operates without an excess for the policyholder.

What does personal liability cover include?+

Personal liability cover protects the policyholder and family in many situations worldwide. Rental damage and favour related damage remain included within the scope. Passive legal protection defends against unjustified claims brought by third parties.

Where does andsafe operate?+

andsafe serves private and business customers in Germany with digital policies. The business range includes general liability, professional liability for planning and advisory work, and contents cover. Private customers access bicycle, household, liability, travel and motor cover from the same provider.

Sources

  • andsafe.de checked October 8, 2026

    Backs: Description

Compiled from 1 source page, checked October 21, 2026. We did not open an account.

Not confirmed yet: Premium from, Provider type, Monthly payments.

andsafe

andsafe

Households wanting simple digital insurance cover

8.5/10Visit