Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs Vuso UA
CHECK24
Higher score in this comparison
Vuso UA
Where CHECK24 and Vuso UA differ
| Compare | CHECK24ReviewVisitVisit | Vuso UAReviewVisitVisit |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Auto, Travel, Health, Home, Renters |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited) |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone |
| Premium from | €0.69 | Not confirmed |
| Excess from | Not confirmed | €0 to €50 |
| Age range | Not confirmed | Children aged 0-3 and adults aged 60-65 (voluntary medical insurance) |
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Key differences
- Founded is lower at CHECK24: 1999 vs 2001.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Life, Pet, Motorcycle.
- Insurance types: only Vuso UA offers Renters.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only Vuso UA offers Phone.
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.
Vuso UA
Vuso UA suits people seeking personal insurance from a Ukrainian insurer, particularly expats. Its broad choice of auto, travel, health, home and renters insurance makes it more versatile than Linxea, while premiums across insurance listings start at a median of €8.31.
Score breakdown
| Area | CHECK24 | Vuso UA |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.6Premiums across listed insurance categories start at a median of €8.31. |
| Offer | 9.6Higher | 9.0 |
| Trust | 8.6 | 9.2Higher |
Where they rank in our lists
| Ranking | CHECK24 | Vuso UA |
|---|---|---|
| Insurance | 17 of 627 | 21 of 627 |
| Health insurance | 6 of 200 | 10 of 200 |
| Car insurance | 5 of 279 | 9 of 279 |
| Home insurance | 5 of 258 | 9 of 258 |
| Travel insurance | 9 of 278 | 13 of 278 |
Pick CHECK24 if, pick Vuso UA if
Pick CHECK24 if offer matter most.
Pick Vuso UA if trust matter most.
What each covers
| Insurance types | CHECK24 | Vuso UA |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
Every fact side by side
| Fact | CHECK24 | Vuso UA |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal GmbH | PrAT Insurance Company VUSO |
| Headquarters | Germany | Ukraine |
| Founded | 1999Lower | 2001 |
| Support channels | Chat, Email, Phone, Help centre | Phone, Email, Chat, Help centre |
Loans
| Fact | CHECK24 | Vuso UA |
|---|---|---|
| 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 | Vuso UA |
|---|---|---|
| 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 | Vuso UA |
|---|---|---|
| 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 | Vuso UA | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | Not confirmed | €6.02 |
| Excess from | Not confirmed | €0 to €50below 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
Vuso UA
Pros
- Covers auto, travel, health, home and renters insurance through auto, travel and health.
- Vuso UA is an insurer rather than a broker, according to insurer.
- Customers can reach the insurer by phone, email, chat or the help centre through phone, email and chat.
Cons
- Voluntary medical insurance is limited to a stated age range covering children and older adults, not every applicant.
- The stated cover limit, Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited), belongs to a single unlimited KASKO product rather than to every Vuso UA policy.
- Premiums vary widely across the market, with listed prices running €0 to €3,431.08.
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
Vuso UA
Who it suits
- Expats and internationally minded residents in Ukraine, matching expats, who want personal cover in one place.
- Ukrainian households looking for more than one category of cover.
- Customers who want support by phone, email, chat or a help centre through phone, email and chat.
Who should look elsewhere
- People seeking life insurance, since Linxea offers life.
- Shoppers focused mainly on gadget insurance, since Oney Préstamos ES offers health, life and gadget and Vuso UA's listed types do not include gadgets.
- People wanting a Ukrainian insurer that lists travel, home and gadget cover but no listed auto cover, unlike the range described for Euroasia Insurance by auto, home and travel.
Current offers
Vuso UA
Current offer
Discount code
10% discount on medical travel insurance for trips abroad: 10% discount
Covers COVID-19 treatment costs, 24/7 emergency medical assistance worldwide
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Vuso UA |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | No |
| Ukraine | 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.
Vuso UA
What kinds of insurance does Vuso UA offer?+
Vuso UA lists auto, travel and health, so cover spans vehicles, journeys, health, the home and renting arrangements. That mix is broader than the life-only line at Linxea, which lists life. One insurer can then cover several members of a household.
Is Vuso UA an insurer or a broker?+
Vuso UA is an insurer, as insurer shows, and the legal entity behind the policies is PrAT Insurance Company VUSO. Its headquarters sit in Ukraine, so the contracts are written for the Ukrainian market rather than for a UK or European customer.
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