Updated September 28, 2026 · SumCue Editorial Team
Compass vs TIPINSURE
Compass
Higher score in this comparison
TIPINSURE
Where Compass and TIPINSURE differ
| Compare | CompassReviewVisitVisit | TIPINSUREReviewVisitVisit |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, Pet | Auto, Home, Travel, Health, Pet, Motorcycle, Critical illness |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, Post | Phone, App, Online |
| Age range | 18+ (resident in Italy) | 20-60, renewable to 64 |
| Premium from | Not confirmed | THB 699 |
| Cover limit | Not confirmed | 500,000 THB |
Same on both: Monthly payments (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
- Compass scores higher overall: 9.4 vs 9.2.
- Founded is lower at TIPINSURE: 1951 vs 1960.
- Insurance types: only Compass offers Home emergency.
- Insurance types: only TIPINSURE offers Auto, Motorcycle, Critical illness.
- Claims channels: only Compass offers Email, Online portal, Post.
- Claims channels: only TIPINSURE offers App, Online.
- Support channels: only TIPINSURE offers Chat.
- Pricing model: only Compass offers Fixed rate.
- Pricing model: only TIPINSURE offers Monthly.
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.
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 | Compass | TIPINSURE |
|---|---|---|
| Cost | 9.2Higher | 8.9Monthly premiums start at THB 699 and pay monthly, but the insurer sits at 173 of 251 on price. |
| 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. | 9.2 |
| Trust | 9.6Higher | 9.5 |
Feature by feature
| Insurance types | Compass | TIPINSURE |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Critical illness | No | Yes |
| Home emergency | Yes | No |
Availability and regulation
| Country | Compass | TIPINSURE |
|---|---|---|
| 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 TIPINSURE: 1.
How they place
| Ranking | Compass | TIPINSURE |
|---|---|---|
| Insurance | 14 of 627 | 26 of 627 |
| Health insurance | 4 of 200 | 12 of 200 |
| Home insurance | 3 of 258 | 10 of 258 |
| Travel insurance | 7 of 278 | 15 of 278 |
| Pet insurance | 2 of 157 | 5 of 157 |
Every fact side by side
| Fact | Compass | TIPINSURE |
|---|---|---|
| Pricing model | Fixed rate | Monthly |
| Legal entity | Compass Banca S.p.A. | TIPINSURE Public Company Limited |
| Headquarters | Italy | Thailand |
| Founded | 1960 | 1951Lower |
| Support channels | Phone, Help centre | Phone, Chat, Help centreCovers more |
Credit cards
| Fact | Compass | TIPINSURE |
|---|---|---|
| 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 |
Where each stands against the rest
| Fact | Compass | TIPINSURE | Median |
|---|---|---|---|
| Premium from | Not confirmed | THB 699above the median | THB 543 |
Median across 5 listed providers.
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
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
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
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
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
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 | Compass | TIPINSURE |
|---|---|---|
| Italy | Yes | No |
| Thailand | 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.
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
Other matchups
- Compass vs HelloSafe (Atlas)
- Compass vs Income Insurance
- Compass vs WorldTrips
- TIPINSURE vs die Bayerische
- TIPINSURE vs Porto Seguro
- TIPINSURE vs MyPhysicianPlan
- Compass vs HanseMerkur Reiseversicherung AT
- TIPINSURE vs Explorer Travel Insurance
- Compass vs TravelSecure
- Compass vs Vuso UA
- TIPINSURE vs MSIG Insurance (Thailand)
- Compass vs Max Life Insurance
- Compass vs Acko
- TIPINSURE vs Lemonade
- TIPINSURE vs DirectAsia
- Compass vs Alior
- TIPINSURE vs WAS Insurance
- TIPINSURE vs Napo pet insurance