Updated September 28, 2026 · SumCue Editorial Team
die Bayerische vs durchblicker.at
die Bayerische
Higher score in this comparison
durchblicker.at
die Bayerische vs durchblicker.at: the differences
| Compare | die BayerischeReviewSee alternativesSee alternatives | durchblicker.atReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €2.09Lower | €50 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, Gadget | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle |
| Provider type | Insurer | Comparison site |
| Excess from | €0 to €35Lower | €500 |
| Claims channels | Online, Post, Phone | Online form, Phone |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | 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. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- die Bayerische scores higher overall: 9.6 vs 8.6.
- Founded is lower at die Bayerische: 1858 vs 2010.
- Premium from is lower at die Bayerische: €2.09 vs €50.
- Excess from is lower at die Bayerische: €0 to €35 vs €500.
- Insurance types: only die Bayerische offers Dental, Income protection, Gadget.
- Insurance types: only durchblicker.at offers Renters.
- Claims channels: only die Bayerische offers Online, Post.
- Claims channels: only durchblicker.at offers Online form.
- Support channels: only die Bayerische offers Chat.
Our verdict on each
die Bayerische
die Bayerische suits German households who want several kinds of cover from one insurer and would rather pay a small monthly premium than an annual one. Premiums start at €2.09 and the monthly model keeps cash flow predictable.
durchblicker.at
durchblicker.at is an Austrian comparison site that brings loans, savings, mortgages and a wide set of insurance lines into one place, which suits households who want to see the market before they commit. Its personal loans start at an APR of 8.839% with an arrangement fee of 0 EUR.
Score breakdown
| Area | die Bayerische | durchblicker.at |
|---|---|---|
| Cost | 9.4HigherPremiums start at €2.09 on a monthly model, below the €8.31 site median. | 8.5A monthly fee of €0 on a comparison site keeps the running cost flat, and premiums start at €50. |
| Offer | 9.6Higher | 9.1 |
| Trust | 9.7Higher | 8.4 |
Where they rank in our lists
| Ranking | die Bayerische | durchblicker.at |
|---|---|---|
| Insurance | 59 of 627 | 450 of 627 |
| Life insurance | 18 of 238 | 199 of 238 |
| Health insurance | 18 of 200 | 166 of 200 |
| Car insurance | 20 of 279 | 225 of 279 |
| Home insurance | 19 of 258 | 215 of 258 |
| Travel insurance | 38 of 278 | 231 of 278 |
| Pet insurance | 12 of 157 | 138 of 157 |
Where each is licensed and available
| Country | die Bayerische | durchblicker.at |
|---|---|---|
| Austria | Not confirmed | |
| Germany | Not confirmed |
Additional countries for die Bayerische: 1. Additional countries for durchblicker.at: 1.
Every fact side by side
| Fact | die Bayerische | durchblicker.at |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | durchblicker GmbH (FN 335466h, UID ATU 65388546) |
| Headquarters | Germany | Austria |
| Founded | 1858Lower | 2010 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Loans
| Fact | die Bayerische | durchblicker.at |
|---|---|---|
| APR | Not confirmed | 8.839% |
| Loan amount | Not confirmed | €100 to €75,000 |
| Term | Not confirmed | 1 to 120 months |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Not confirmed | Hard |
| Funding time | Not confirmed | Money on the account within 24 hours after credit approval |
| Representative example | Not confirmed | Online loan of EUR 20,000 over 10 years: monthly rate EUR 247.97 at 8.50% p.a. fixed, effective annual rate 8.839% p.a., total costs EUR 9,757, total payable EUR 29,757, no processing or credit-check fee, no account fee |
| Rate type | Not confirmed | Fixed |
| Lender type | Not confirmed | Broker |
| Eligibility | Not confirmed | Adults (18+), EU citizens with main residence in Austria for at least one year, minimum monthly income EUR 1,250, employed at least three months in a permanent non-terminated contract or drawing a pension, Austrian/EU (SEPA) current account in own name, no insolvency, bankruptcy or enforcement in the last three years, not a politically exposed person |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Car, Debt consolidation, Credit line |
| Use cases | Not confirmed | Home improvement |
Savings
| Fact | die Bayerische | durchblicker.at |
|---|---|---|
| Access terms | Not confirmed | Free online savings-interest comparison; the savings contract is applied for and concluded directly with the bank after referral |
| Monthly fee | Not confirmed | €0 |
| Account kind | Not confirmed | Easy access |
Mortgages
| Fact | die Bayerische | durchblicker.at |
|---|---|---|
| Initial rate | Not confirmed | 3.305% |
| APRC | Not confirmed | 3.819% |
| Fixed period | Not confirmed | 5 to 20 years |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | die Bayerische | durchblicker.at | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €50highest quarter | €6.02 |
| Excess from | €0 to €35below the median | €500highest quarter | €70 |
Median across 116 listed providers.
Pros and cons
die Bayerische
Pros
- Premiums start at €2.09, below the €8.31 site median
- Cover spans auto, home, motorcycle, life, health, dental, travel, pet, income protection and gadget cover
- Monthly payments are available, and monthly is the only payment model listed
Cons
- Claims can only be filed through online, post and phone, so no branch or in person route is listed
- The excess on the phone cover policy runs €0 to €35
durchblicker.at
Pros
- Loans at a fixed rate with an APR of 8.839% and an arrangement fee of 0 EUR.
- Cover for auto, home, renters, life, health, travel, pet and motorcycle under auto, home and renters.
- Approved money reaches the account as Money on the account within 24 hours after credit approval, and monthly payments are available on cover.
Cons
- A hard credit check gates every loan offer, so a thin credit file rules you out.
- Claims run on online form and phone only, with no chat or branch channel.
- The savings comparison is free, but the easy access account is opened with the bank after referral, so durchblicker.at does not hold the deposit.
Who each suits
die Bayerische
Who it suits
- Households bundling several insurance types under one provider
- Drivers, riders and pet owners wanting monthly premiums rather than annual payments
- People who prefer contacting support by phone
Who should look elsewhere
- Anyone wanting to file a claim in person, since claims run on online, post and phone
- Shoppers wanting a broader set of protection products such as income protection portfolios
durchblicker.at
Who it suits
- Austrian residents with a minimum monthly income and a permanent contract or a pension.
- Borrowers after a personal loan of €100 to €75,000 over terms of 1 to 120 at a fixed rate.
- Drivers, tenants and pet owners who want several lines of cover priced in one pass.
Who should look elsewhere
- Not for thin credit files, since the hard credit check gates every loan offer.
- Not for readers wanting one policy quoted on its own: Linxea is priced from €25.
- Not for a single market outside Austria, since eligibility asks for main residence in Austria.
Current offers
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | die Bayerische | durchblicker.at |
|---|---|---|
| Austria | No | Yes |
| Germany | Yes | No |
Questions about each
die Bayerische
What does die Bayerische cover?+
Its listed insurance types include auto, home, motorcycle, life, health, dental, travel, pet, income protection and gadget cover. That spread lets a household hold several policies with one insurer, and the group operates as an insurer, so policies sit with the company rather than a broker.
How much is the cheapest premium?+
Premiums start at €2.09, which is well under the €8.31 median premium across the site. The figure comes from the phone liability cover, so other policies such as motor, home or life cover sit at different price points.
durchblicker.at
What does it cost to use durchblicker.at?+
The savings comparison is free and the monthly fee is €0, so browsing loan, mortgage and insurance quotes carries no subscription cost. On the borrowing side the numbers that matter are an APR of 8.839% at a fixed rate, an arrangement fee of 0 EUR and a percentage fee of 0%.
Who holds the savings money?+
durchblicker.at does not open the savings account itself. The comparison is free and the contract is applied for and concluded directly with the bank after the referral, so the deposit sits with that bank. The account kind is easy access, which means the money stays available for withdrawal rather than being tied up.
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die Bayerische
durchblicker.at