Updated October 21, 2026 · SumCue Editorial Team
CHECK24 vs DirectAsia
CHECK24
Higher score in this comparison
DirectAsia
What sets them apart
| Compare | CHECK24ReviewVisitVisit | DirectAsiaReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Auto, Motorcycle, Travel |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | SGD 500,000 overseas medical |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone, Online |
| Premium from | €0.69 | Not confirmed |
| Excess from | Not confirmed | SGD 30 |
| Age range | Not confirmed | 15 days to below 81 years |
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 2010.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Home, Life, Health.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only DirectAsia offers Phone, Online.
- Support channels: only CHECK24 offers Chat.
Our verdict on each
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.
DirectAsia
DirectAsia suits drivers and travellers in Singapore seeking cover from a direct carrier under insurer with a focused range covering auto, motorcycle and travel. Travel plans include SGD 500,000 overseas medical which gives higher overseas medical scope for your household needs across the year.
Score breakdown
| Area | CHECK24 | DirectAsia |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.2Excess starts at SGD 30 keeping entry costs clear on relevant travel plans |
| Offer | 9.6Higher | 8.9Eligibility spans 15 days to below 81 years giving wide scope for family travel |
| Trust | 8.6 | 9.1HigherSingapore base shown by SG with roots since 2010 |
How they place
| Ranking | CHECK24 | DirectAsia |
|---|---|---|
| Insurance | 17 of 627 | 35 of 627 |
| Car insurance | 5 of 279 | 15 of 279 |
| Travel insurance | 9 of 278 | 22 of 278 |
Every fact side by side
| Fact | CHECK24 | DirectAsia |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal GmbH | Auto & General Insurance (Singapore) Pte. Limited trading as DirectAsia Insurance |
| Headquarters | Germany | Singapore |
| Founded | 1999Lower | 2010 |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Email, Help centre |
Loans
| Fact | CHECK24 | DirectAsia |
|---|---|---|
| APR | 0.68% to 19.92% | Not confirmed |
| Loan amount | €500 to €150,000 | Not confirmed |
| Term | 12 to 240 months | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Soft prequal | Not confirmed |
| Funding time | as little as 3 minutes at some banks, same day | Not confirmed |
| Representative example | 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) | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Lender type | Broker | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Loan types | Personal, Debt consolidation | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Savings
| Fact | CHECK24 | DirectAsia |
|---|---|---|
| Headline rate | 3.82% | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | CHECK24 | DirectAsia |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | CHECK24 | DirectAsia | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | Not confirmed | €6.02 |
Median across 116 listed providers.
Pros and cons
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
DirectAsia
Pros
- Direct cover as an insurer under insurer with motor and travel options in auto, motorcycle and travel
- Overseas medical scope reaches SGD 500,000 overseas medical for trips where health costs matter
- Family travel notes seniors in seniors alongside broad eligibility
Cons
- Range stays centred on auto, motorcycle and travel while Linxea focuses on life for life savings
- Support runs on phone, email and help centre only, which may feel limited if you prefer chat
- Travel excess applies at SGD 30 so small claims may bring little payout
Who each suits
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
DirectAsia
Who it suits
- Drivers and riders who want motor cover in auto, motorcycle and travel rather than the health led shelf of Oney Préstamos
- Families arranging travel with seniors noted in seniors rather than the account linked travel of bunq Spain
Who should look elsewhere
- If you want life savings cover, Linxea may fit better with life rather than motor and travel
- If you want health or gadget protection, Oney Préstamos may fit better with health, life and gadget
Country by country
| Country | CHECK24 | DirectAsia |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Singapore | No | Yes |
| Spain | Yes | No |
Questions about each
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.
DirectAsia
What types of insurance does DirectAsia offer?+
DirectAsia lists cover for auto, motorcycle and travel. That focused choice suits you if your main needs are a car, a motorbike or a holiday, rather than home or life cover.
How much overseas medical cover can you get?+
Travel cover includes SGD 500,000 overseas medical. That level suits you if overseas hospital bills are your main worry, though you should still check sub limits and exclusions in the wording.
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