In a world where digital-first solutions are becoming the norm, insurance companies must evolve to meet the needs of a modern generation. One German insurer doing exactly that is Getsafe. Designed with simplicity and transparency in mind, Getsafe is revolutionizing how people in Germany and beyond interact with insurance.
As a professional insurance agent in Germany with over 10 years of experience, I’ve observed many traditional and digital insurers. Getsafe has managed to carve out a niche by merging technology with essential insurance services.
In this post, I’ll walk you through everything you should know about Getsafe, from its origin and growth to the products it offers and why it’s becoming the go-to insurer for tech-savvy Germans and expats alike.
The History of Getsafe
Getsafe was founded in 2015 by Christian Wiens and Marius Blaesing in Heidelberg, Germany. Originally launched as an insurance broker, the company shifted its business model in 2017 to become a fully licensed digital insurer.
In 2021, Getsafe received its license from Germany’s Federal Financial Supervisory Authority (BaFin), marking a significant milestone that enabled it to underwrite its own policies.
The company’s mission has always been to make insurance simple, accessible, and completely digital. Their mobile-first approach has resonated particularly well with younger demographics and digital natives who want flexible, on-demand protection.
Getsafe’s Headquarters and Branches
Getsafe’s headquarters is located at Getsafe GmbH, Alte Eppelheimer Str. 42, 69115 Heidelberg, Germany.
Unlike traditional insurers, Getsafe operates without a physical network of branches. Instead, they manage everything through a user-friendly app and online customer support. This lean, tech-driven structure allows them to pass cost savings directly to their customers.
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Customer Base and Market Reach
As of 2024, Getsafe has over 500,000 policyholders and continues to grow rapidly. The company operates in both Germany and the United Kingdom, with plans to expand further into other European markets.
Their app has been downloaded over 1 million times, and user reviews highlight their simple onboarding process, transparent communication, and responsive support. Most of Getsafe’s customers are under 35 years old, reflecting its strong appeal among younger generations.
Getsafe’s 2023 annual report showed:
- Over €40 million in gross written premiums
- A growth rate of 30% year-over-year
- Strong customer retention through intuitive app experiences
What Are the Insurance Policies and Coverage Options From GetSafe?
Getsafe’s digital insurance portfolio is designed to be modular and scalable. Customers can pick only the policies they need and adjust coverage anytime using the mobile app.
Liability Insurance (Haftpflichtversicherung)
This is one of Getsafe’s core offerings. It covers damages you may cause to other people or their property, whether at home or outside. The policy includes personal liability, pet liability, and rental property coverage.
Home Contents Insurance (Hausratversicherung)
Getsafe offers protection for furniture, electronics, clothing, and valuables inside your home. This coverage includes theft, fire, water damage, and natural disasters.
Life Insurance (Risikolebensversicherung)
Their term life insurance product is straightforward and affordable, especially designed for young families or those with financial dependents. You can apply directly in the app with no paperwork involved.
Legal Insurance (Rechtsschutzversicherung)
This covers the cost of legal consultations and court fees in cases of employment disputes, traffic accidents, or rental issues.
Car Insurance (Kfz-Versicherung)
Introduced in late 2022, Getsafe’s auto insurance is fully digital. It includes liability, partial, and comprehensive coverage, all managed through your smartphone.
Why People Choose Getsafe as Their Preferred German Insurer
Digital-First Approach
Getsafe was built from the ground up to be a digital-native German insurer. The entire customer journey, from quote to claim, can be completed in their app. This convenience is unmatched by many traditional insurance companies.
Transparent Pricing
There are no hidden fees or complex terms. Premiums are clearly stated, and users can cancel policies at any time without penalty. This kind of flexibility is rare in the German insurance market.
AI-Powered Claims Management
Their claims system uses artificial intelligence to process and approve many claims within minutes. Customers don’t need to wait days or deal with long paperwork.
Modular Product Structure
Instead of bundling products, Getsafe allows users to customize their insurance cover. This means you pay only for what you need, nothing more.
Excellent Customer Support
Despite being digital, Getsafe offers live chat and email support in both German and English. Their multilingual support is particularly beneficial for expats.
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Sustainability and Social Impact
Getsafe is part of a new generation of insurers focusing on sustainability. They:
- Invest in green technologies and carbon-neutral operations
- Offer digital documentation to reduce paper waste
- Support mental health and diversity programs internally and through partnerships
These initiatives reflect their commitment to ethical business practices and a better future.
Getsafe vs. Traditional German Insurers
Compared to big names like Allianz, HUK-Coburg, or AXA, Getsafe offers:
- Faster sign-up and claims processes
- No need to visit physical branches
- More affordable premiums for basic coverage
- Better app experience and automation
While traditional insurers may still be preferred for complex policies or older clients, Getsafe has become the go-to for young professionals and digital nomads.
Comparison Between Getsafe and Feather: Top Digital Insurance Companies in Germany
Here is a detailed comparison table between Feather Insurance and Getsafe Insurance, two of Germany’s top digital insurance providers, from the perspective of a licensed German insurance agent:
| Feature / Criteria | Feather Insurance | Getsafe Insurance |
| Founded | 2018 | 2015 |
| Headquarters | Berlin, Germany | Heidelberg, Germany |
| Business Model | 100% digital, direct-to-consumer | 100% digital, licensed insurance provider (since 2021) |
| Target Audience | Expats and internationals in Germany | Tech-savvy millennials and digital natives in Germany and beyond |
| Key Focus | Transparent, simple policies for non-German speakers | Fast, app-based insurance with AI-driven claims |
| Language Support | An English-first platform that also supports German | Primarily German, with English support available |
| Popular Policies Offered | – Health insurance (private & expat)
– Liability insurance – Dental insurance – Legal insurance |
– Liability insurance
– Legal insurance – Contents insurance – Pet insurance – Life insurance |
| App & User Experience | Clean UI, educational tools, chatbot, fully digital onboarding | Intuitive app with 24/7 claims assistant, strong focus on automation |
| Underwriting Partner | Partners with top German insurers like Allianz, Barmenia, etc. | Became a licensed insurer in 2021 (Getsafe Insurance AG) |
| Claim Processing | Fully online; manual support through the team and partner insurers | Mostly automated, via app-based claim submission |
| Customer Reviews | 4.8/5 on Trustpilot – praised for English support and ease of use | 4.4/5 on Trustpilot – praised for speed and simple experience |
| Market Reach | Germany only (with some global health coverage) | Germany, UK, and expansion into other EU markets are ongoing |
| Branch Offices | Primarily remote, HQ in Berlin | HQ in Heidelberg; operates fully remote/digital |
| Number of Customers | 30,000+ (as of 2024) | 500,000+ (as of 2024) |
| Unique Selling Point (USP) | Simple insurance for expats with human support in English | AI-driven, mobile-first insurance platform with rapid claims |
| Regulatory Status | Acts as a digital insurance broker | Licensed primary insurer (BaFin-regulated) |
| Ease of Cancellation | Easy cancellation from the user dashboard; no hidden terms | Flexible cancellation via the app anytime |
| Ideal For | Foreigners, international students, expats living in Germany | Young professionals and digital users who prefer quick, mobile access |
Summary:
- Choose Feather if you’re an expat in Germany looking for English-speaking support, private health insurance, or transparent options tailored to non-German speakers.
- Choose Getsafe if you want AI-powered, mobile-first insurance that offers a broader product range with fast, app-based claims.
Why Getsafe is an Ideal German Insurer for Expats
Getsafe is especially popular with expats because:
- Policies and customer support are available in English
- The onboarding process is fast, and documents are available digitally
- You can manage everything from your phone, even while abroad
For newcomers who may find the German insurance system confusing, Getsafe offers an intuitive and stress-free alternative.
Regulatory Approval and Data Security
Getsafe is fully licensed by BaFin and complies with GDPR regulations. Your personal data is encrypted and securely stored. The company has a strong cybersecurity team ensuring the safety of user accounts.
Company Growth and Future Plans
Getsafe is one of Germany’s fastest-growing insurance tech companies. In 2022, it secured over €55 million in Series B funding led by top European investors. These funds are being used to:
- Expand into more EU countries
- Introduce new insurance lines like dental and travel
- Improve their AI claims handling system
Also Read:
- 10 Common Reasons Car Insurance Claims Are Denied in Germany
- Top 12 Insurance Industry Trends to Watch Out For in Europe
- 10 Major Challenges Facing the Modern Insurance Industry
Final Thoughts on Getsafe Insurance
If you want insurance that matches your lifestyle and expectations in the digital age, Getsafe is a German insurer you should remember. With user-friendly services, competitive pricing, and a mobile-first philosophy, Getsafe is shaping the future of insurance in Germany.
Whether you are a student, young professional, freelancer, or expat, Getsafe has the right tools to make insurance simple and stress-free. Their modern solutions, strong customer support, and regulatory compliance make them a trusted choice in 2025 and beyond.
