Updated September 28, 2026 · SumCue Editorial Team
Acko vs CHECK24
Acko
CHECK24
Higher score in this comparison
Acko vs CHECK24: the differences
| Compare | AckoReviewVisitVisit | CHECK24ReviewVisitVisit |
|---|---|---|
| Premium from | ₹457 | €0.69 |
| Insurance types | Auto, Motorcycle, Health, Life, Travel, Critical illness | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget |
| Provider type | Insurer | Comparison site |
| Cover limit | INR 25 lakh to INR 100 crore (term life) | EUR 5 million to EUR 50 million, recommended at least EUR 10 million |
| Claims channels | Online app and website, Cashless at network garages | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post |
| Monthly payments | Yes | Not confirmed |
| Age range | 18 years and above | Not confirmed |
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.
Key differences
- CHECK24 scores higher overall: 9.3 vs 9.1.
- Founded is lower at CHECK24: 1999 vs 2016.
- CHECK24 is available in 2 more countries.
- Insurance types: only Acko offers Critical illness.
- Insurance types: only CHECK24 offers Home, Pet, Dental.
- Claims channels: only Acko offers Online app and website, Cashless at network garages.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
Our verdict on each
Acko
Acko suits adults in India who want vehicle, health, life and travel cover from one digital insurer, with two-wheeler premiums from INR 457 and monthly payments available. As an insurer rather than a broker, it sets its own prices and settles its own claims.
CHECK24
CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.
Score breakdown
| Area | Acko | CHECK24 |
|---|---|---|
| Cost | 9.3Ranks 85 of 251 brands on premium from, against a €7.95 median across insurers. | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. |
| Offer | 9.2 | 9.6Higher |
| Trust | 8.9Higher | 8.6 |
Where each is licensed and available
| Country | Acko | CHECK24 |
|---|---|---|
| Germany | Not confirmed | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 |
| India | IRDAI 157 | Not confirmed |
Additional countries for Acko: 1. Additional countries for CHECK24: 3.
Sources behind this comparison
Acko
- acko.com: 13 facts, checked September 26, 2026
CHECK24
- check24.de: 10 facts, checked September 26, 2026
How they place
| Ranking | Acko | CHECK24 |
|---|---|---|
| Insurance | 27 of 627 | 17 of 627 |
| Life insurance | 9 of 238 | 5 of 238 |
| Health insurance | 13 of 200 | 6 of 200 |
| Car insurance | 11 of 279 | 5 of 279 |
| Travel insurance | 16 of 278 | 9 of 278 |
Every fact side by side
| Fact | Acko | CHECK24 |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Acko Technology and Services Limited (CIN U74110KA2016PLC120161) | CHECK24 Vergleichsportal GmbH |
| Headquarters | India | Germany |
| Founded | 2016 | 1999Lower |
| Support channels | Chat, Phone, Email, Help centre | Chat, Email, Phone, Help centre |
Loans
| Fact | Acko | CHECK24 |
|---|---|---|
| APR | Not confirmed | 0.68% to 19.92% |
| Loan amount | Not confirmed | €500 to €150,000 |
| Term | Not confirmed | 12 to 240 months |
| Arrangement fee | Not confirmed | 0 EUR |
| Credit check | Not confirmed | Soft prequal |
| Funding time | Not confirmed | as little as 3 minutes at some banks, same day |
| Representative example | Not confirmed | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) |
| Features | Not confirmed | Same day funding |
| Rate type | Not confirmed | Fixed |
| Lender type | Not confirmed | Broker |
| Free early repayment | Not confirmed | Yes |
| Loan types | Not confirmed | Personal, Debt consolidation |
| Use cases | Not confirmed | Home improvement |
Savings
| Fact | Acko | CHECK24 |
|---|---|---|
| Headline rate | Not confirmed | 3.82% |
| Minimum deposit | Not confirmed | €0 |
| Access terms | Not confirmed | Daily-access savings (Tagesgeld), no notice period, cancel at any time |
| Monthly fee | Not confirmed | €0 |
| Account kind | Not confirmed | Easy access |
Mortgages
| Fact | Acko | CHECK24 |
|---|---|---|
| Initial rate | Not confirmed | 3.43% |
| APRC | Not confirmed | 3.5% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 66% |
| Purpose | Not confirmed | Purchase, Remortgage |
Pros and cons
Acko
Pros
- One insurer covers auto, motorcycle and health, so several policies sit with the same provider
- Monthly payments are available, and support runs on chat, phone and email
- Two-wheeler claims can be started online app and website and cashless at network garages
Cons
- Policies start at a minimum age of 18 years and above, so the audience is adults
- The premium shown at INR 457 is a starting point, and the final price depends on the vehicle and cover chosen
CHECK24
Pros
- Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
- Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
- A single catalogue covering auto, home and life, so most household policies can be compared in one place
Cons
- A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
- The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
- The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted
Who each suits
Acko
Who it suits
- Adults in India who ride a two-wheeler and want a low starting premium
- People bundling vehicle, health, life and travel cover with one insurer
- Seniors among the listed audience, with monthly payments to spread the cost
Who should look elsewhere
- Customers in the UK or Europe, where bunq and bunq Spain serve European markets rather than India
- Shoppers chasing the very lowest entry premium, since Acko ranks 85 of 251 brands on the site
- Anyone wanting life cover alone from a euro policy, since Linxea lists premiums from €25
CHECK24
Who it suits
- German households holding several policy types who want one place to compare them all
- Anyone parking cash in easy-access savings while keeping it reachable at any time
- Borrowers who want a soft prequalification before a bank runs a full credit check
Who should look elsewhere
- Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
- People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
- Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24
Current offers
Acko
Current offer
Discount code
Save as much as INR 80,000 on top-selling cars: up to INR 80,000
New car purchase through ACKO digital showroom (ACKO Drive); savings shown against listed price, T&Cs apply
Source, checked September 26, 2026
Country by country
| Country | Acko | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| India | Yes | No |
| Spain | No | Yes |
Questions about each
Acko
How much does cover cost?+
Two-wheeler premiums start at INR 457, below the €7.95 median across insurers on the site. The real price depends on the vehicle, the cover chosen and the sum insured, so treat the starting figure as an entry point rather than a quote for every policy.
Can I pay monthly instead of once a year?+
Yes, monthly payments are available on Acko policies, and 89% of the insurers on the site offer the same choice. Spreading the cost can make a larger plan easier to carry, such as term life cover, where the sum insured can run to INR 25 lakh to INR 100 crore (term life).
CHECK24
Is CHECK24 a bank or an insurer?+
No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.
How much does it cost to use CHECK24?+
There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.
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