Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs Lemonade
CHECK24
Higher score in this comparison
Lemonade
CHECK24 vs Lemonade: the differences
| Compare | CHECK24ReviewVisitVisit | LemonadeReviewVisitVisit |
|---|---|---|
| Premium from | €0.69 | $5 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Auto, Home, Renters, Life, Pet |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Up to $100,000,000 |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | App, Phone, Email |
| Monthly payments | Not confirmed | Yes |
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 2015.
- Lemonade is available in 2 more countries.
- Insurance types: only CHECK24 offers Health, Travel, Motorcycle.
- Insurance types: only Lemonade offers Renters.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only Lemonade offers App, Phone, Email.
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.
Lemonade
Lemonade is a US insurer offering monthly policies across auto, home, renters, life and pet cover, with premiums from $5. It suits households that want one monthly model and several ways to reach support, though its quoted starting premium sits above the figures shown for the listed alternatives.
Score breakdown
| Area | CHECK24 | Lemonade |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.2 |
| Offer | 9.6Higher | 9.4 |
| Trust | 8.6 | 8.9Higher |
Feature by feature
| Insurance types | CHECK24 | Lemonade |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | Yes |
| Health | Yes | No |
| Travel | Yes | No |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
Where each is licensed and available
| Country | CHECK24 | Lemonade |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | Not confirmed |
Available in 1 country for both. Additional countries for CHECK24: 2. Additional countries for Lemonade: 4.
Which one suits you
Pick CHECK24 if cost matter most.
Pick Lemonade if trust matter most.
How they place
| Ranking | CHECK24 | Lemonade |
|---|---|---|
| Insurance | 17 of 627 | 31 of 627 |
| Life insurance | 5 of 238 | 10 of 238 |
| Car insurance | 5 of 279 | 12 of 279 |
| Home insurance | 5 of 258 | 11 of 258 |
| Pet insurance | 4 of 157 | 6 of 157 |
Every fact side by side
| Fact | CHECK24 | Lemonade |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Lemonade Insurance Company |
| Headquarters | Germany | United States |
| Founded | 1999Lower | 2015 |
| Support channels | Chat, Email, Phone, Help centre | Phone, Email, Chat, Help centre |
Loans
| Fact | CHECK24 | Lemonade |
|---|---|---|
| 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 | Lemonade |
|---|---|---|
| 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 | Lemonade |
|---|---|---|
| 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 |
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
Lemonade
Pros
- Premiums start at $5, and monthly payments keep the cost spread across the year.
- Monthly payments are available, so auto, home, renters, life and pet cover can be budgeted by month.
- Cover spans auto, home and renters, with life cover reaching Up to $100,000,000.
Cons
- Health and travel cover is not among its insurance types (auto, home and renters).
- Its starting premium of $5 sits above the figures shown for the listed alternatives.
- An annual single payment is not among its payment models (monthly).
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
Lemonade
Who it suits
- People who want one monthly payment model across more than one kind of personal cover.
- People buying auto, home, renters, life or pet policies from an insurer rather than a broker.
- People who want claims and support in the app as well as over the phone.
Who should look elsewhere
- bunq, which lists a starting premium of €0, is a cheaper starting point on price.
- bunq Spain, whose listed starting premium of €0 also sits below Lemonade's figure.
- Linxea, which lists a higher starting premium of €25, sits in a different price band.
Current offers
Lemonade
Current offer
Bonus
Rover gift card for new Lemonade Pet policyholders: Rover gift card
New Lemonade pet parents only; code unlocks 2 months after the pet policy starts; one code per account; available in select states; codes expire one year from issue
Source, checked September 26, 2026
First period offer
Pet bundle discount: 10%
Bundle pet insurance with other Lemonade policies (renters, homeowners, car); applies to the base accident and illness policy and vet visit fee and physical therapy add-ons
Source, checked September 26, 2026
First period offer
Pet multi-pet discount: 10%
Policy for more than one cat or dog in the same household
Source, checked September 26, 2026
First period offer
Pet annual payment discount: 5%
Pay for the pet policy annually instead of monthly
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Lemonade |
|---|---|---|
| Austria | Yes | No |
| France | No | Yes |
| Netherlands | No | Yes |
| Spain | Yes | No |
| United Kingdom | No | Yes |
| United States | No | Yes |
| Germany | Yes | Yes |
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.
Lemonade
What is Lemonade's starting premium?+
Lemonade's starting premium is $5. The provider behind it is Lemonade Insurance Company, an insurer based in the US, and that figure sits above the starting premiums listed for bunq, bunq Spain and Linxea.
Can I pay for cover monthly?+
Yes, monthly payments are available, and monthly is the payment model Lemonade lists (monthly). That runs across the auto, home, renters, life and pet policies it offers, so the premium is spread through the year.
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