Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

hepster review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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.

Our verdict

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.

Key facts

Best for
Low monthly gadget, pet and travel premiums arranged through a German broker.
Premium from
€2.45↗
Insurance types
Gadget, Pet, Travel↗
Provider type
Broker↗
Monthly payments
Yes↗
Claims channels
Online customer account↗
Legal entity
MOINsure GmbH↗
Headquarters
Germany↗
Founded
2016↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
hepster.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Elsewhere
WikidataLinkedInTrustpilottrustedshops.de

Pros and cons

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.
hepster

Ready to try hepster?

Scored 8.8 / 10 by SumCue.

See alternatives

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.

Safety of your money

hepster is a broker, not an insurer, and places cover on behalf of providers (broker). Its entry in the IHK zu Rostock Vermittlerregister reads D-LMZ8-K2DHK-45, so the intermediary can be traced through that register. The policy itself still sits with the insurer you are placed with.

Who runs it

hepster runs as MOINsure GmbH, a broker based in Germany that has traded since 2016. Support runs on email, phone and help centre, so a call, an email or the help centre all reach the same operation. It is the entity named on the legal notice rather than a trading name.

How hepster compares

Where hepster is available

Available
Austria, France, Germany
Licence in Germany
IHK zu Rostock (Vermittlerregister) (D-LMZ8-K2DHK-45), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What can I insure through hepster?+

The cover list is gadget, pet and travel: gadgets, pets and travel. Nothing on it covers cars, homes or health, so a household with wider insurance needs will need a second provider for those.

Is hepster an insurer or a broker?+

It is a broker, broker, so the policy sits with an insurer rather than with hepster. The broker is entered in the IHK zu Rostock Vermittlerregister as D-LMZ8-K2DHK-45, which means the intermediary can be traced through that register.

How do I make a claim?+

Claims run through online customer account. You report and track the claim in the online customer account, so keep your login details and the policy number to hand. If the account is not to hand, the phone support line is the alternative.

What support is available?+

Support runs on email, phone and help centre. Phone and help centre are the most common pairing on the site and both sit well above the average for chat, so a call or an email is the quicker route to an answer.

Who am I actually contracting with?+

The policy is arranged by MOINsure GmbH, a broker based in Germany that has traded since 2016. The terms quoted are the German ones, so read them in German if that is not your first language.

What should I check before I buy?+

Read what the policy actually pays out and what it leaves out. Across the site the median retail loss share is 70.15%, so a low premium on its own is not enough to judge the cover.

Sources

  • hepster.com/de-de checked September 26, 2026

    Backs: Claims channels, Pricing model, Monthly payments

    “Report a claim 24/7 in a few steps - you can always conveniently report a claim online, via your customer account”

  • hepster.com/de-de/about checked September 26, 2026

    Backs: Founded

    “founded the company hepster together with our co-founder Hanna in May 2016”

  • hepster.com/de-de/affiliate checked September 26, 2026

    Backs: Insurance types

    “Our insurance products: mobile phone insurance, camera insurance, laptop insurance, dog health insurance, cat surgery insurance, Work and Travel insurance (foreign medical cover)”

  • hepster.com/de-de/handyversicherung checked September 26, 2026

    Backs: Premium from

    “Phone insurance book online from 2.45 EUR | hepster”

  • hepster.com/de-de/impressum checked September 26, 2026

    Backs: Provider type, Headquarters, Legal entity, Support channels, Licences

    “Registration in the intermediary register D-LMZ8-K2DHK-45, authorisation under Sec. 34d (1) German Trade Act, insurance representative”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

hepster

hepster

Low monthly gadget, pet and travel premiums arranged through a German broker.

8.8/10See alternatives