Updated September 28, 2026 · SumCue Editorial Team
die Bayerische vs Lemonade
Lemonade
die Bayerische
Higher score in this comparison
die Bayerische vs Lemonade: the differences
| Compare | die BayerischeReviewSee alternativesSee alternatives | LemonadeReviewVisitVisit |
|---|---|---|
| Premium from | €2.09 | $5 |
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, Gadget | Auto, Home, Renters, Life, Pet |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Up to $100,000,000 |
| Claims channels | Online, Post, Phone | App, Phone, Email |
| Excess from | €0 to €35 | Not confirmed |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.1.
- Founded is lower at die Bayerische: 1858 vs 2015.
- Lemonade is available in 4 more countries.
- Insurance types: only die Bayerische offers Motorcycle, Health, Dental.
- Insurance types: only Lemonade offers Renters.
- Claims channels: only die Bayerische offers Online, Post.
- Claims channels: only Lemonade offers App, Email.
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.
Lemonade
Lemonade is a US insurer offering monthly policies across auto, home, renters, life and pet cover, with premiums from $5. It suits households that want one monthly model and several ways to reach support, though its quoted starting premium sits above the figures shown for the listed alternatives.
Score breakdown
| Area | die Bayerische | Lemonade |
|---|---|---|
| Cost | 9.4HigherPremiums start at €2.09 on a monthly model, below the €8.31 site median. | 9.2 |
| Offer | 9.6Higher | 9.4 |
| Trust | 9.7Higher | 8.9 |
Licences and countries
| Country | die Bayerische | Lemonade |
|---|---|---|
| Germany | Not confirmed |
Available in 1 country for both. Additional countries for Lemonade: 4.
Where they rank in our lists
| Ranking | die Bayerische | Lemonade |
|---|---|---|
| Insurance | 59 of 627 | 31 of 627 |
| Life insurance | 18 of 238 | 10 of 238 |
| Car insurance | 20 of 279 | 12 of 279 |
| Home insurance | 19 of 258 | 11 of 258 |
| Pet insurance | 12 of 157 | 6 of 157 |
Every fact side by side
| Fact | die Bayerische | Lemonade |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | Lemonade Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1858Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centre | Phone, Email, Chat, Help centre |
Where each stands against the rest
| Fact | die Bayerische | Lemonade | Median |
|---|---|---|---|
| Excess from | €0 to €35below the median | Not confirmed | €70 |
Median across 66 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
Lemonade
Pros
- Premiums start at $5, and monthly payments keep the cost spread across the year.
- Monthly payments are available, so auto, home, renters, life and pet cover can be budgeted by month.
- Cover spans auto, home and renters, with life cover reaching Up to $100,000,000.
Cons
- Health and travel cover is not among its insurance types (auto, home and renters).
- Its starting premium of $5 sits above the figures shown for the listed alternatives.
- An annual single payment is not among its payment models (monthly).
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
Lemonade
Who it suits
- People who want one monthly payment model across more than one kind of personal cover.
- People buying auto, home, renters, life or pet policies from an insurer rather than a broker.
- People who want claims and support in the app as well as over the phone.
Who should look elsewhere
- bunq, which lists a starting premium of €0, is a cheaper starting point on price.
- bunq Spain, whose listed starting premium of €0 also sits below Lemonade's figure.
- Linxea, which lists a higher starting premium of €25, sits in a different price band.
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
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | die Bayerische | Lemonade |
|---|---|---|
| France | No | Yes |
| Netherlands | No | Yes |
| United Kingdom | No | Yes |
| United States | 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.
Lemonade
What is Lemonade's starting premium?+
Lemonade's starting premium is $5. The provider behind it is Lemonade Insurance Company, an insurer based in the US, and that figure sits above the starting premiums listed for bunq, bunq Spain and Linxea.
Can I pay for cover monthly?+
Yes, monthly payments are available, and monthly is the payment model Lemonade lists (monthly). That runs across the auto, home, renters, life and pet policies it offers, so the premium is spread through the year.
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Lemonade
die Bayerische