Updated October 21, 2026 · SumCue Editorial Team
die Bayerische vs WAS Insurance
WAS Insurance
die Bayerische
Higher score in this comparison
die Bayerische vs WAS Insurance: the differences
| Compare | die BayerischeReviewSee alternativesSee alternatives | WAS InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Motorcycle, Life, Health, Dental, Travel, Pet, Income protection, GadgetCovers more | Travel, Pet |
| Provider type | Insurer | Broker |
| Excess from | €0 to €35 | A$100 |
| Cover limit | 100 million EUR (E-Scooter-Versicherung) | Unlimited medical |
| Claims channels | Online, Post, Phone | Phone, Email, Online |
| Premium from | €2.09 | Not confirmed |
| Age range | Not confirmed | 18-99 |
Same on both: Monthly payments (Yes).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 8.9.
- Insurance types: only die Bayerische offers Auto, Home, Motorcycle.
- Claims channels: only die Bayerische offers Post.
- Claims channels: only WAS Insurance offers Email.
- Support channels: only die Bayerische offers Chat, Help centre.
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.
WAS Insurance
WAS Insurance suits travellers and pet owners in Australia seeking monthly billed cover through a broker model with broad claim routes. Travel plans include Unlimited medical while pet excess starts at AUD 100, with support on email and phone for policy help.
Score breakdown
| Area | die Bayerische | WAS Insurance |
|---|---|---|
| Cost | 9.4HigherPremiums start at €2.09 on a monthly model, below the €8.31 site median. | 9.0Monthly billing through monthly keeps premiums spread across the year. |
| Offer | 9.6Higher | 8.7Focused range of travel and pet with Unlimited medical on travel plans. |
| Trust | 9.7Higher | 8.8Broker licensed under 536280 with claims via phone, email and online. |
Where they rank in our lists
| Ranking | die Bayerische | WAS Insurance |
|---|---|---|
| Insurance | 59 of 627 | 45 of 627 |
| Travel insurance | 38 of 278 | 28 of 278 |
| Pet insurance | 12 of 157 | 8 of 157 |
Side by side, item by item
| Insurance types | die Bayerische | WAS Insurance |
|---|---|---|
| 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 | No |
Availability and regulation
| Country | die Bayerische | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
| Germany | Not confirmed |
Additional countries for die Bayerische: 1. Additional countries for WAS Insurance: 1.
Sources behind this comparison
die Bayerische
- diebayerische.de: 12 facts, checked September 26, 2026
WAS Insurance
- wiseandsilent.com: 11 facts, checked September 29, 2026
Every fact side by side
| Fact | die Bayerische | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | BY die Bayerische Vorsorge Lebensversicherung a.G. | Wiseandsilent Pty Ltd |
| Headquarters | Germany | Australia |
| Founded | 1858 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | die Bayerische | WAS Insurance | Median |
|---|---|---|---|
| Premium from | €2.09lowest quarter | Not confirmed | €6.02 |
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
WAS Insurance
Pros
- Focused choice of travel and pet for travel and pet needs in a single place
- Travel medical protection described as Unlimited medical
- Claims can be lodged by phone, email and online with monthly billing via monthly
Cons
- Range stays limited to travel and pet, so households wanting home or auto cover must look elsewhere
- Support runs on email and phone only, without live chat or online account help
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
WAS Insurance
Who it suits
- Travellers seeking medical protection described as Unlimited medical with monthly billing
- Pet owners comfortable with an excess from AUD 100 and email or phone service
Who should look elsewhere
- Readers wanting life cover should consider Linxea, which focuses on life
- Households wanting auto, home or health cover should consider die Bayerische, which lists auto, home and motorcycle
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 | WAS Insurance |
|---|---|---|
| Australia | 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.
WAS Insurance
What types of insurance does WAS Insurance offer?+
WAS Insurance arranges travel and pet, covering travel and pet needs. It acts as a broker rather than an insurer, so policies come from partner underwriters. That focus suits readers who want those protections without a broader household portfolio.
How does the pet excess work?+
Pet policies carry an excess starting at AUD 100 per claim. The exact amount can vary by plan and claim type, so check the schedule before you buy. Monthly billing through monthly spreads the annual premium rather than removing the excess.
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WAS Insurance
die Bayerische