Updated September 28, 2026 · SumCue Editorial Team
AXA vs CHECK24
AXA
CHECK24
Higher score in this comparison
AXA vs CHECK24: the differences
| Compare | AXAReviewVisitVisit | CHECK24ReviewVisitVisit |
|---|---|---|
| Premium from | £275 | €0.69 |
| Insurance types | Auto, Home, Renters, Landlord, Van, Health, Dental, Travel, Breakdown, Home emergency | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget |
| Provider type | Insurer | Comparison site |
| Claims channels | Phone, Online | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post |
| Cover limit | Not confirmed | EUR 5 million to EUR 50 million, recommended at least EUR 10 million |
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Key differences
- CHECK24 scores higher overall: 9.3 vs 8.8.
- CHECK24 is available in 2 more countries.
- Insurance types: only AXA offers Renters, Landlord, Van.
- Insurance types: only CHECK24 offers Life, Pet, Motorcycle.
- Claims channels: only AXA offers Phone, Online.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Support channels: only CHECK24 offers Chat, Email.
Our verdict on each
AXA
AXA is a single insurer covering car, home, health and travel lines in the UK, which suits households that want several policies in the same place. The listed starting premium of £275 puts it near the top of the price range, so the case rests on breadth of cover and phone support.
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 | AXA | CHECK24 |
|---|---|---|
| Cost | 8.1The listed starting premium is £275, while the site median is €8.31 and the car insurance ranking median is €8.50. | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. |
| Offer | 8.9 | 9.6Higher |
| Trust | 9.5Higher | 8.6 |
What each covers
| Insurance types | AXA | CHECK24 |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | No | Yes |
| Motorcycle | No | Yes |
| Van | Yes | No |
| Breakdown | Yes | No |
| Landlord | Yes | No |
| Dental | Yes | Yes |
| Income protection | No | Yes |
| Gadget | No | Yes |
| Home emergency | Yes | No |
Licences and countries
| Country | AXA | 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 |
Additional countries for AXA: 1. Additional countries for CHECK24: 3.
Where these facts come from
AXA
- axa.co.uk: 5 facts, checked September 26, 2026
- axa.com: 2 facts, checked September 26, 2026
CHECK24
- check24.de: 10 facts, checked September 26, 2026
How they place
| Ranking | AXA | CHECK24 |
|---|---|---|
| Insurance | 6 of 627 | 17 of 627 |
| Health insurance | 3 of 200 | 6 of 200 |
| Car insurance | 2 of 279 | 5 of 279 |
| Home insurance | 2 of 258 | 5 of 258 |
| Travel insurance | 3 of 278 | 9 of 278 |
Every fact side by side
| Fact | AXA | CHECK24 |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | AXA SA | CHECK24 Vergleichsportal GmbH |
| Headquarters | France | Germany |
| Founded | Not confirmed | 1999 |
| Support channels | Help centre, Phone | Chat, Email, Phone, Help centreCovers more |
Loans
| Fact | AXA | 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 | AXA | 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 | AXA | 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
AXA
Pros
- A single insurer covers auto, home and renters.
- Support runs on help centre and phone and claims on phone and online, so phone and online both work.
- The legal entity is AXA SA, headquartered in France, so the counterparty on the policy is clear.
Cons
- The cheapest listed premium is £275, well above the site figure of €8.31.
- Support runs on help centre and phone only, with no listed email or live chat route.
- On price AXA ranks 244 of 251, so cheaper cover is easy to find.
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
AXA
Who it suits
- Households with a car, a home and health cover to place, who would rather deal with a single insurer than separate providers.
- People who prefer to talk to a person: claims run on phone and online and support on help centre and phone.
- Shoppers who are not chasing the cheapest figure, since £275 is high in this comparison.
Who should look elsewhere
- Price first: bunq lists a starting figure of €0.
- A euro-priced option: Linxea begins at €25.
- Anyone who wants help by email or live chat, because support runs on help centre and phone.
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
AXA
Current offer
First period offer
AXA MultiCar discount: Save up to 15%
when insuring another car registered at your home address
Source, checked September 26, 2026
Country by country
| Country | AXA | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Spain | No | Yes |
| United Kingdom | Yes | No |
Questions about each
AXA
What is the cheapest premium at AXA?+
The cheapest listed premium is £275 in the UK. Your own price moves with the cover you pick, what you are insuring and the excess you accept, so read this as the entry point rather than a quote for a particular policy.
Is AXA an insurer or a broker?+
AXA is an insurer, not a broker, so the cover comes from the company itself rather than a panel chosen for you. The legal entity named in the company's information is AXA SA.
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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