Updated September 30, 2026 · SumCue Editorial Team
CHECK24 vs TravelSecure
CHECK24
Higher score in this comparison
TravelSecure
CHECK24 vs TravelSecure: the differences
| Compare | CHECK24ReviewVisitVisit | TravelSecureReviewVisitVisit |
|---|---|---|
| Premium from | €0.69Lower | €5 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Travel |
| Provider type | Comparison site | Insurer |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online, Email |
| Monthly payments | Not confirmed | No |
| Excess from | Not confirmed | €25 |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Not confirmed |
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 9.0.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €5.
- Insurance types: only CHECK24 offers Auto, Home, Life.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only TravelSecure offers Online, 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.
TravelSecure
TravelSecure suits seniors seeking travel cover from an insurer setup with phone plus help centre support for claims handled online and by email. Premiums start at €5 with excess from €25, while monthly payments shape the budgeting trade off for annual cover.
Score breakdown
| Area | CHECK24 | TravelSecure |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 8.8Premiums start at €5 with excess from €25 |
| Offer | 9.6Higher | 8.4Travel focus shown by travel with claims via online and email |
| Trust | 8.6 | 9.6HigherDirect insurer model shown by insurer for clear accountability |
Where they rank in our lists
| Ranking | CHECK24 | TravelSecure |
|---|---|---|
| Insurance | 17 of 627 | 12 of 627 |
| Travel insurance | 9 of 278 | 5 of 278 |
What each covers
| Insurance types | CHECK24 | TravelSecure |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
Where each is licensed and available
| Country | CHECK24 | TravelSecure |
|---|---|---|
| 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.
Also worth a look
bunq Spain has premium from at €0, against €0.69 for CHECK24 and €5 for TravelSecure.
bunq Spain reviewEvery fact side by side
| Fact | CHECK24 | TravelSecure |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal GmbH | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centre | Not confirmed |
Loans
| Fact | CHECK24 | TravelSecure |
|---|---|---|
| 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 | TravelSecure |
|---|---|---|
| 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 | TravelSecure |
|---|---|---|
| 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 | TravelSecure | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €5below the median | €6.02 |
| Excess from | Not confirmed | €25below the median | €70 |
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
TravelSecure
Pros
- Direct insurer setup for clear accountability on travel policies
- Premiums start at €5, below typical travel premium levels for budget planning
- Claims routes via online and email give digital options for documentation and updates
Cons
- Cover centres on travel only, so households wanting wider protection may look at AXA
- Support runs on phone and help centre only, which limits choice for readers wanting chat or email help
- Monthly payments are not available, so budgeting stays tied to €5 paid upfront
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
TravelSecure
Who it suits
- Seniors planning trips who value a direct insurer route for travel cover
- Travellers comfortable paying upfront at €5 without monthly payments
- Readers happy with phone plus help centre support via phone and help centre
Who should look elsewhere
- Readers wanting life cover rather than trip cover may prefer Polizza Vita con Bonus given life
- Readers wanting broker choice across many insurers may prefer Explorer Travel Insurance given broker
- Readers wanting instalment budgeting may look beyond TravelSecure as monthly payments are not available
Country by country
| Country | CHECK24 | TravelSecure |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| 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.
TravelSecure
What does TravelSecure cover?+
TravelSecure focuses on travel cover, so you arrange protection for trips rather than for home, auto or health needs. That narrow focus helps seniors compare trip options clearly. Check policy terms to confirm cancellation, medical and baggage scope before you buy.
How much does TravelSecure cost?+
Premiums start at €5 for trip cancellation style cover, with final cost shaped by trip value, duration and traveller profile. That entry point helps you gauge affordability early. Always compare excess, limits and exclusions alongside headline premium before purchase.
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