Updated September 28, 2026 · SumCue Editorial Team
Compass vs Vuso UA
Compass
Higher score in this comparison
Vuso UA
Compass vs Vuso UA: the differences
| Compare | CompassReviewVisitVisit | Vuso UAReviewVisitVisit |
|---|---|---|
| Insurance types | Home, Home emergency, Health, Travel, Pet | Auto, Travel, Health, Home, Renters |
| Provider type | Broker | Insurer |
| Claims channels | Phone, Email, Online portal, PostCovers more | Phone |
| Age range | 18+ (resident in Italy) | Children aged 0-3 and adults aged 60-65 (voluntary medical insurance) |
| Monthly payments | Yes | Not confirmed |
| Excess from | Not confirmed | €0 to €50 |
| Cover limit | Not confirmed | Up to 3.5 million UAH (KASKO Patriot 2.0 Unlimited) |
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Key differences
- Compass scores higher overall: 9.4 vs 9.3.
- Founded is lower at Compass: 1960 vs 2001.
- Insurance types: only Compass offers Home emergency, Pet.
- Insurance types: only Vuso UA offers Auto, Renters.
- Claims channels: only Compass offers Email, Online portal, Post.
- Support channels: only Vuso UA offers Email, Chat.
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.
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 | Compass | Vuso UA |
|---|---|---|
| Cost | 9.2 | 9.6HigherPremiums across listed insurance categories start at a median of €8.31. |
| Offer | 9.2HigherFixed-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. | 9.0 |
| Trust | 9.6Higher | 9.2 |
Where each is licensed and available
| Country | Compass | Vuso UA |
|---|---|---|
| Italy | Banca d'Italia Albo dei Gruppi Bancari n. 1030 (Gruppo Bancario Monte dei Paschi di Siena) IVASS RUI D000203141 sez. D | Not confirmed |
| Ukraine | Not confirmed |
Additional countries for Compass: 1. Additional countries for Vuso UA: 1.
How they place
| Ranking | Compass | Vuso UA |
|---|---|---|
| Insurance | 14 of 627 | 21 of 627 |
| Health insurance | 4 of 200 | 10 of 200 |
| Home insurance | 3 of 258 | 9 of 258 |
| Travel insurance | 7 of 278 | 13 of 278 |
Which one suits you
Pick Compass if trust and claims channels matter most.
Pick Vuso UA if cost matter most.
Side by side, item by item
| Insurance types | Compass | Vuso UA |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Renters | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Home emergency | Yes | No |
Every fact side by side
| Fact | Compass | Vuso UA |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Compass Banca S.p.A. | PrAT Insurance Company VUSO |
| Headquarters | Italy | Ukraine |
| Founded | 1960Lower | 2001 |
| Support channels | Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Credit cards
| Fact | Compass | Vuso UA |
|---|---|---|
| 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 | Vuso UA | Median |
|---|---|---|---|
| Excess from | Not confirmed | €0 to €50below the median | €70 |
Median across 66 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
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
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
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
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
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 | Compass | Vuso UA |
|---|---|---|
| Italy | Yes | No |
| Ukraine | 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.
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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