Updated September 29, 2026 · SumCue Editorial Team
die Bayerische vs hepster
die Bayerische
Higher score in this comparison
hepster
Where die Bayerische and hepster differ
| Compare | die BayerischeReviewSee alternativesSee alternatives | hepsterReviewSee alternativesSee alternatives |
|---|---|---|
| Premium from | €2.09Lower | €2.45 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Gadget, Pet, Travel |
| Provider type | Insurer | Broker |
| Claims channels | Online, Post, Phone | Online customer account |
| Excess from | €0 to €35 | Not confirmed |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Not confirmed |
Same on both: Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.8.
- Founded is lower at die Bayerische: 1858 vs 2016.
- hepster is available in 2 more countries.
- Premium from is lower at die Bayerische: €2.09 vs €2.45.
- Insurance types: only die Bayerische offers Auto, Home, Motorcycle.
- Claims channels: only die Bayerische offers Online, Post, Phone.
- Claims channels: only hepster offers Online customer account.
- 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.
hepster
hepster keeps the price low: a broker for gadget, pet and travel cover, with a gadget premium of €2.45 a month. It suits German households that want those cover types paid monthly rather than yearly, and are happy to have the policy placed rather than written for them.
Score breakdown
| Area | die Bayerische | hepster |
|---|---|---|
| Cost | 9.4Premiums start at €2.09 on a monthly model, below the €8.31 site median. | 9.4Gadget cover at a premium of €2.45 a month sits well below the site median of €8.31. |
| Offer | 9.6Higher | 8.7 |
| Trust | 9.7Higher | 8.5 |
Where each is licensed and available
| Country | die Bayerische | hepster |
|---|---|---|
| Germany | IHK zu Rostock (Vermittlerregister) D-LMZ8-K2DHK-45 |
Available in 1 country for both. Additional countries for hepster: 2.
Side by side, item by item
| Insurance types | die Bayerische | hepster |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | Yes |
Positions in our rankings
| Ranking | die Bayerische | hepster |
|---|---|---|
| Insurance | 59 of 627 | 382 of 627 |
| Travel insurance | 38 of 278 | 198 of 278 |
| Pet insurance | 12 of 157 | 107 of 157 |
If neither fits
HanseMerkur Reiseversicherung AT has premium from at €1.50, against €2.09 for die Bayerische and €2.45 for hepster.
HanseMerkur Reiseversicherung AT reviewEvery fact side by side
| Fact | die Bayerische | hepster |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | MOINsure GmbH |
| Headquarters | Germany | Germany |
| Founded | 1858Lower | 2016 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | die Bayerische | hepster | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | €2.45lowest quarter | €6.02 |
| Excess from | €0 to €35below the median | Not confirmed | €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
hepster
Pros
- Support runs on email, phone and help centre, so phone, email and the help centre are all there when a claim starts.
- Policies are set up as monthly billing, so a booked trip or a new gadget can be covered without a long tie-in.
- Gadget, pet and travel cover all sit under the same broker, so gadget, pet and travel can be arranged together.
Cons
- Cover stops at those types: gadget, pet and travel means no car, home or health policies here.
- A phone call is not among its claims channels, which run through online customer account.
- The headline premium of €2.45 applies to gadget only, so pet and travel cover can price higher.
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
hepster
Who it suits
- German households whose cover needs are limited to gadgets, pets and travel.
- People who want a policy billed a month at a time rather than yearly.
- Anyone comfortable with a broker placing the cover: the contract sits with MOINsure GmbH.
Who should look elsewhere
- Anyone who wants money held in an account rather than insured wants bunq, listed here at €0.
- For a Spanish account, bunq Spain shows a listed premium of €0 rather than personal cover.
- Long term life cover sits with Linxea, whose listed premium is €25.
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 | hepster |
|---|---|---|
| Austria | No | Yes |
| France | No | Yes |
| Germany | Yes | Yes |
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.
hepster
How much does cover cost?+
A premium of €2.45 a month is the figure quoted for gadget cover, well under the site median of €8.31. Pet and travel cover is priced separately, so treat that as a starting point for gadgets rather than a price for everything.
Can I pay monthly rather than yearly?+
Yes, monthly payments are available, and monthly sets the policies up for a payment each month. That suits a single trip, a borrowed gadget or a pet cover you only want for a while, without an annual figure to weigh up first.
Other options to compare
Other matchups
die Bayerische
hepster