Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs TIPINSURE
CHECK24
Higher score in this comparison
TIPINSURE
CHECK24 vs TIPINSURE: the differences
| Compare | CHECK24ReviewVisitVisit | TIPINSUREReviewVisitVisit |
|---|---|---|
| Premium from | €0.69 | THB 699 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | 500,000 THB |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone, App, Online |
| Monthly payments | Not confirmed | Yes |
| Age range | Not confirmed | 20-60, renewable to 64 |
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 9.2.
- Founded is lower at TIPINSURE: 1951 vs 1999.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Life, Dental, Income protection.
- Insurance types: only TIPINSURE offers Critical illness.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only TIPINSURE offers Phone, App, Online.
- Support channels: only CHECK24 offers 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.
TIPINSURE
TIPINSURE suits households in Thailand who want one insurer for auto, home, travel, health, pet, motorcycle and critical illness cover. Premiums start at THB 699 and can be paid monthly, though the price sits well back in the field. TIPINSURE Public Company Limited is an insurer founded in 1951.
Score breakdown
| Area | CHECK24 | TIPINSURE |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 8.9Monthly premiums start at THB 699 and pay monthly, but the insurer sits at 173 of 251 on price. |
| Offer | 9.6Higher | 9.2 |
| Trust | 8.6 | 9.5Higher |
What each covers
| Insurance types | CHECK24 | TIPINSURE |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | No |
| Critical illness | No | Yes |
| Income protection | Yes | No |
| Gadget | Yes | No |
Choosing between them
Pick CHECK24 if cost and offer matter most.
Pick TIPINSURE if trust matter most.
What we checked
CHECK24
- check24.de: 10 facts, checked September 26, 2026
TIPINSURE
- dhipaya.co.th: 5 facts, checked September 26, 2026
- tipinsure.com: 4 facts, checked September 26, 2026
- ft.tipinsure.com: 3 facts, checked September 26, 2026
How they place
| Ranking | CHECK24 | TIPINSURE |
|---|---|---|
| Insurance | 17 of 627 | 26 of 627 |
| Health insurance | 6 of 200 | 12 of 200 |
| Car insurance | 5 of 279 | 10 of 279 |
| Home insurance | 5 of 258 | 10 of 258 |
| Travel insurance | 9 of 278 | 15 of 278 |
| Pet insurance | 4 of 157 | 5 of 157 |
Every fact side by side
| Fact | CHECK24 | TIPINSURE |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | TIPINSURE Public Company Limited |
| Headquarters | Germany | Thailand |
| Founded | 1999 | 1951Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Chat, Help centre |
Loans
| Fact | CHECK24 | TIPINSURE |
|---|---|---|
| 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 | TIPINSURE |
|---|---|---|
| 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 | TIPINSURE |
|---|---|---|
| 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
TIPINSURE
Pros
- One insurer covers auto, home, travel, health, pet, motorcycle and critical illness: auto, home and travel
- Monthly payments are available, not yearly only
- Claims run on phone, app and online: phone, app and online
Cons
- The starting premium of THB 699 ranks 173 of 251, so it is not the cheapest entry price
- Critical illness cover limit is 500,000 THB and the entry age band is 20-60, renewable to 64, which narrows who can be covered
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
TIPINSURE
Who it suits
- Households in Thailand insuring a car, home, pet and travel in one place
- Drivers and motorcyclists who want monthly premiums rather than a yearly payment
- Adults building health cover alongside a critical illness policy
Who should look elsewhere
- Shoppers wanting the lowest entry premium, since the price ranks 173 of 251
- Anyone seeking a protection scheme or deposit protection, as no scheme appears for this insurer
Current offers
TIPINSURE
Current offer
Bonus
TIP PET BUDDY: owner pays 50%, insurer pays the other 50% of veterinary treatment: 50% co-payment on veterinary costs up to 50,000 baht
Selected plan; 60-day waiting period for general illness; pets aged 3 months to 7 years
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | TIPINSURE |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | No |
| Thailand | No | 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.
TIPINSURE
What does TIPINSURE actually insure?+
TIPINSURE covers auto, home, travel, health, pet, motorcycle and critical illness, listed as auto, home and travel. That range means motor, property and health needs can sit with one provider. It acts as an insurer in its own right, so policies are arranged with the company rather than through a broker.
How much does a TIPINSURE policy cost?+
The entry premium is THB 699 on the fire product. Across the site the median starting premium is €8.31 and the upper quartile reaches €29.72, so the real figure depends on the line and the risk. TIPINSURE ranks 173 of 251 on starting premium.
Other options to compare
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