Updated October 21, 2026 · SumCue Editorial Team
Top insurance providers compared
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. How we rank
| Order | Provider | Score | Key facts | Actions |
|---|---|---|---|---|
| 51 |  Napo pet insurancePartner | 8.7/10 |
| ReviewCompareVisit |
| 52 | Europesure Travel InsurancePartner | 8.6/10 |
| ReviewCompareVisit |
| 53 |  Golf CarePartner Golf Care offers golf insurance for players with public liability and equipment cover. | 8.6/10 |
| ReviewCompareVisit |
| 54 |  andsafePartner andsafe is a digital insurer for private and business customers in Germany. Its private range includes bicycle, household contents, personal liability, travel and motor insurance, and its business range includes business liability, professional liability for financial loss and contents insurance. | 8.5/10 |
| ReviewCompareVisit |
| 55 | SOVENTUREPartner | 8.3/10 |
| ReviewCompareVisit |
| 56 |  VisitorsCoveragePartner | 8.2/10 |
| ReviewCompareVisit |
| 57 |  InsureMyTripPartner | 8.2/10 |
| ReviewCompareVisit |
| 58 |  PREISVERGLEICH.dePartner PREISVERGLEICH.de is a German comparison portal for electricity, gas, internet, mobile contracts, insurance and loans. It states that users can compare over 12,000 electricity tariffs. The portal also lists current deals and a savings-rewards section. | 8.2/10 |
| ReviewCompareVisit |
| 59 |  die BayerischePartner Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush | 9.6/10 |
| ReviewCompareSee alternatives |
| 60 | LV=Partner | 9.6/10 |
| ReviewCompareSee alternatives |
About Top insurance providers compared
This ranking pulls 580 insurance brands into a single order, and the trade-off running through the list is straightforward: what a policy costs against what it actually pays out when a claim is made. Prices here start low and climb steeply. The median entry premium across the ranking is €7.95, with €2.66 at the lower quartile and €26.75 at the upper, and premiums recorded for this category run €0 to €3,431.08. A policy that looks cheap can still be narrow, so the shape of the cover matters as much as its price. The ranking also separates the kinds of company behind a policy. An insurer carries the risk on its own books, a broker places it with someone else, and a comparison site only helps the reader shop. Those models behave very differently at claim time, which is why the list opens with brands run as monthly accounts, moves through brokers, and closes with the comparison sites. One warning carries across every money product, insurance included: the median retail loss is 70.15%, with 65.75% at the lower end of the range and 74.5% at the upper.
How we picked
Every position in this list falls out of a scoring model with three weights. Trust carries 40% of the score, cost carries 35%, and the breadth and usefulness of what is on offer carries 25%. Trust does the heavy lifting, which is why the ranking rewards a named legal entity, a clear statement of what a policy pays, and a support channel a customer can actually reach. Cost counts, but a cheap premium with a low cap is not treated as a bargain. The figures behind each brand come from published material: product and plan pages, terms and conditions, legal notices, regulatory documents, help centres and app listings. A price is only used when it appears with its currency and the account type it belongs to, and a protection scheme is only described when the published material states what it covers. The statistic values quoted beside each criterion come from the same records behind the list, which is why the medians here match the brand cards. The order is settled before any copy is written. Partner brands are listed ahead of the rest, in the order the model produces, followed by the remaining brands. A label appears only where the score produces one, and a blank label means no claim was made, so the position and the evidence beside it carry the whole argument.
How we rankOur top picks
7. LinxeaLinxea is where life cover itself becomes the product in this ranking, arranged through a broker, LINXEA SAS, founded in 2001 and based in FR. The premium from is €25 on a low-fee model, monthly payments are available, and the audience is expats with a minimum age in place. The step up from bunq Spain above sits in the handling of a claim: claims run on phone, email and post, and support adds a community alongside phone and a help centre. Against Oney Préstamos ES below, Linxea concentrates on life cover while Oney spreads across health, life and gadget policies.
- Minimum deposit: €100
- Markets: Funds, Bonds
- Regulators: ORIAS
Pros
- Entry premiums from €25 with monthly payments supported for gradual saving
- Ongoing account cost at €0 with 0% entry fee on Linxea Avenir 2 on Linxea Avenir cover
- Easy access structure via easy access linked to variable pricing at 3%
- Support across phone, help centre and community with phone plus help centre and community resources
Cons
- Starting deposit of €100 sits above free entry at XTB at €0
- Stocks are not among its markets (funds and bonds), while DKB covers stocks, ETFs and bonds
- Cover centres on life life policies, which limits choice if you want health or travel add ons
What to look for
- What the policy costs
- The median entry premium in this ranking is €7.95, and the spread is wide: €2.66 at the lower quartile and €26.75 at the upper. Price on its own says little, so pair it with what the premium buys and whether it can be paid monthly.
- Paying monthly
- 89% of the policies in this ranking can be paid in monthly instalments, which turns an annual outlay into a manageable one. The brands near the top of the list all offer monthly payments; the insurer further down does not.
- Who carries the risk
- 41.7% of the ranking is made up of insurers that keep the risk on their own books, with brokers and comparison sites making up the rest. An insurer pays a claim from its own reserves, while a broker places the cover with an underwriter and you deal with that underwriter at claim time.
- The length of the cover
- Terms in this ranking run a median of 60 months, with 48 at the lower quartile and 89.5 at the upper. Short terms suit a single trip or a year of cover, while long terms suit a life policy that should outlast a mortgage.
- Getting hold of someone
- Phone support is the most common channel in this ranking at 88.4%, with a help centre on 75.8% and email on 73.2%. A claim is a poor moment to discover that support runs on one side only.
- What can be claimed for
- Car cover is the most common policy type here at 57.6%, followed by home at 53.1% and travel at 52.2%. Read the stated limit before buying, because a policy can be fairly priced and still cap out low.
Frequently asked questions
What should I check first when comparing car insurance here?+
Car cover is the most common policy type in this ranking, at 57.6%, so much of the list is built around it. Check what the premium buys at the point of claim, whether it can be paid monthly, and how a claim is actually made. Phone support is the most common channel here at 88.4%, and 89% of policies can be paid in instalments. EuroAsia Insurance lists auto among its cover types.
Can most policies in this ranking be paid monthly?+
Monthly payments are available on 89% of the policies in this ranking, and the brands near the top of the list all offer them on a monthly model. EuroAsia Insurance is the member where monthly payments are not available, so the premium sits with the customer as a single figure. Terms elsewhere in the ranking run a median of 60 months.
What is the difference between an insurer, a broker and a comparison site?+
An insurer keeps the risk on its own books, and 41.7% of this ranking is made up of insurers like EuroAsia Insurance. A broker places cover with an underwriter and accounts for 35.8% of the list, as Linxea and Good Sam Insurance Agency do. A comparison site only helps the reader shop, making up 19.5%, as bonus.ch and EverQuote do.
How much can a travel policy pay out in this ranking?+
The stated limits differ sharply between members. EuroAsia Insurance sets travel cover at Travel insurance up to EUR 90,000, while Oney Préstamos ES lists a cover limit of Up to 45,000 EUR on the policies it brokers. Good Sam Insurance Agency and bonus.ch also list travel among their policy types. A modest premium paired with a low cap is exactly the trap this ranking is built to expose.
Which member covers life insurance, and what does it start at?+
Linxea sells life cover as a broker, with a premium from €25, a low-fee model, monthly payments available, and claims handled through phone, email and post. Oney Préstamos ES and Good Sam Insurance Agency also include life among their policy types, so someone with dependants or a mortgage can weigh a long life policy against annual cover. Life appears in 48.8% of the policies in this ranking.
Can I tell which company stands behind a policy here?+
Usually, yes. Each member carries a named legal entity, a home country, and a plain statement of what kind of company it is, which tells a reader who pays a claim and whose wording to read. Across this ranking that splits into 41.7% insurers, 35.8% brokers and 19.5% comparison sites.
Top insurance providers compared by country
Related by the facts
Reviews
The data behind this ranking
| Metric | Value | Sample |
|---|---|---|
| Median headline rate | 3 % | 55 |
| Lower quartile headline rate | 1.67 % | 55 |
