Updated September 28, 2026 · SumCue Editorial Team
Compass vs Income Insurance
Compass
Higher score in this comparison
Income Insurance
Where Compass and Income Insurance differ
| Compare | CompassReviewVisitVisit | Income InsuranceReviewVisitVisit |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, Pet | Auto, Home, Life, Health, Travel, Pet, Motorcycle |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, Post | Phone, Email, Online form, Mobile app, Customer portal |
| Age range | 18+ (resident in Italy) | Pet insured must be at least 16 weeks old and below 9 years old at policy start |
| Premium from | Not confirmed | SGD 0.60 |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | SGD 250 |
| Cover limit | Not confirmed | S$8,500 - S$27,000 maximum annual coverage per policy year (Happy Tails Pet Insurance) |
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Key differences
- Founded is lower at Compass: 1960 vs 1970.
- Insurance types: only Compass offers Home emergency.
- Insurance types: only Income Insurance offers Auto, Life, Motorcycle.
- Claims channels: only Compass offers Online portal, Post.
- Claims channels: only Income Insurance offers Online form, Mobile app, Customer portal.
- Support channels: only Income Insurance offers Email.
Our verdict on each
Compass
Compass is a bank-direct lender for Italian residents, and it is a poor fit for you if you need to check rates without a hard credit check. hard stands, and 7.38% to 15.84% sits well under the 15.5% typical of the wider market, with free early repayment on every loan.
Income Insurance
Income Insurance is a Singapore insurer selling auto, home, life, health, travel, pet and motorcycle cover, with a starting premium of SGD 0.60. It suits households that want several kinds of cover under one insurer, and seniors sit among the audience it names.
Score breakdown
| Area | Compass | Income Insurance |
|---|---|---|
| Cost | 9.2Higher | 9.1Starting premium of SGD 0.60 ranks 25 of 251 brands on premium from, while pet cover carries an excess of SGD 250. |
| Offer | 9.2Fixed-rate loans of €1,000 to €30,000 over 24 to 96, with 0 EUR for online loans from 1,000 to 5,000 EUR for online loans. | 9.5Higher |
| Trust | 9.6Higher | 9.5 |
Side by side, item by item
| Insurance types | Compass | Income Insurance |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Home emergency | Yes | No |
Licences and countries
| Country | Compass | Income Insurance |
|---|---|---|
| Italy | Banca d'Italia Albo dei Gruppi Bancari n. 1030 (Gruppo Bancario Monte dei Paschi di Siena) IVASS RUI D000203141 sez. D | Not confirmed |
Additional countries for Compass: 1. Additional countries for Income Insurance: 1.
Where they rank in our lists
| Ranking | Compass | Income Insurance |
|---|---|---|
| Insurance | 14 of 627 | 15 of 627 |
| Health insurance | 4 of 200 | 5 of 200 |
| Home insurance | 3 of 258 | 4 of 258 |
| Travel insurance | 7 of 278 | 8 of 278 |
| Pet insurance | 2 of 157 | 3 of 157 |
Sources behind this comparison
Compass
- compass.it: 10 facts, checked September 26, 2026
Income Insurance
- income.com.sg: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | Compass | Income Insurance |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Compass Banca S.p.A. | Income Insurance Limited |
| Headquarters | Italy | Singapore |
| Founded | 1960Lower | 1970 |
| Support channels | Phone, Help centre | Phone, Email, Help centreCovers more |
Credit cards
| Fact | Compass | Income Insurance |
|---|---|---|
| Annual fee | €0 | Not confirmed |
| APR | 7.38% to 15.84% | Not confirmed |
| Rewards type | Cashback | Not confirmed |
| Features | Same day funding | Not confirmed |
| Rewards rate | Cashback Base on spending above a minimum threshold | Not confirmed |
| Perks | No annual fee, Stamp duty paid by Compass, Paper and digital statement at EUR 0, Initial credit line of EUR 1,500, Issued and activated directly in branch, Visa circuit with contactless and 3D Secure, Apple Pay and Google Pay, Free SMS transaction alerts, Free 24/7 card blocking number | Not confirmed |
| Card kind | Credit | Not confirmed |
Savings
| Fact | Compass | Income Insurance |
|---|---|---|
| Rate type | Fixed | Not confirmed |
| Term | 24 to 96 months | Not confirmed |
Pros and cons
Compass
Pros
- 0 EUR for online loans from 1,000 to 5,000 EUR for online loans of €1,000 to €30,000
- same day funding is listed, and existing app customers get a fast decision
- Free early repayment is offered, as 79.4% of the market does
Cons
- hard means applying can leave a mark on the credit file
- phone and help centre are listed, so there is no live chat on the loan side
- 7.38% to 15.84% tops out at more than twice the 7.85% low end seen across the market
Income Insurance
Pros
- One insurer handles auto, home and life.
- Starting premiums of SGD 0.60, with the site's median starting premium at €8.31.
- Claims can be started through phone, email and online form.
Cons
- The pet policy starts at an excess of SGD 250, and its annual cover is capped at a set maximum.
- The pet line under auto, home and life only begins inside a set age band, so an older animal falls outside it.
- Pricing and cover sit in a single market, SG, and the only audience named is seniors.
Who each suits
Compass
Who it suits
- Italian residents in their adulthoods looking for fixed rate pricing
- People consolidating existing debts, since personal and debt consolidation are listed
- Branch customers who also want a credit card with €0
Who should look elsewhere
- Anyone who wants a soft check, because hard
- Borrowers outside Italy, since Italian or foreign citizen aged 18 to 82, resident in Italy requires residence in Italy
- Those who want live chat, because phone and help centre cover phone and a help centre only
Income Insurance
Who it suits
- Households in Singapore who want motor, home, life, health, travel, pet and motorcycle cover arranged with one provider.
- Seniors, the only audience named under seniors.
- Pet owners with a young animal who are comfortable paying SGD 250 first on a vet bill.
Who should look elsewhere
- Readers chasing the lowest starting premium on the site, since bunq and bunq Spain list €0 and €0.
- Anyone who needs cover in a market other than SG, for whom bunq Spain is the option here tied to a different country.
Current offers
Compass
Current offer
Bonus
Spese di istruttoria azzerate (Prestito Online): 0 EUR origination fee on online loans from 1,000 to 5,000 EUR
Perfezionamento via web della richiesta di Prestito Online; offer validity dates not displayed on the page
Source, checked September 26, 2026
Income Insurance
Current offer
Discount code
Up to 20% off + 188,000 STAR$ on Domestic Helper Insurance: up to 20% off + 188,000 STAR$
Promo code GDH188 at checkout for qualifying policies purchased via Income Insurance website or My Income app
Source, checked September 26, 2026
Bonus
Up to 8% cashback on first-year premium for Complete Life Secure: up to 8% cashback on first-year premium
Purchase of an eligible Complete Life Secure plan, with Early Critical Secure rider
Source, checked September 26, 2026
Country by country
| Country | Compass | Income Insurance |
|---|---|---|
| Italy | Yes | No |
| Singapore | No | Yes |
Questions about each
Compass
What rate will I pay on a Compass personal loan?+
Loans are fixed rate at an APR of 7.38% to 15.84%, and the rate you get depends on your profile. The example on file shows 7.38% to 15.84% against a fixed nominal rate, with equal monthly instalments across the term. Early repayment is free, so paying the loan off sooner costs nothing extra.
Is there an arrangement fee on a Compass loan?+
Online loans carry 0 EUR for online loans from 1,000 to 5,000 EUR. Larger amounts may be handled as a branch arrangement, where the fee is quoted separately on the offer. The credit card is a different product and its €0 is separate again.
Income Insurance
What kinds of insurance does Income Insurance sell?+
Income Insurance writes auto, home and life policies, so motor, home, life, health, travel, pet and motorcycle cover all sit with one provider. It is classed as an insurer rather than a comparison site, and it operates from SG.
What is the cheapest premium?+
The advertised starting premium is SGD 0.60. The site's median starting premium is €8.31, with a lower quartile of €2.92 and an upper quartile of €29.72. Income sits in the cheaper part of that range.
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