Updated September 28, 2026 · AssureCue Editorial Team
ARAG vs CHECK24
What sets them apart
| Compare |  ARAG |  CHECK24 |
|---|---|---|
| Premium from | €14.73 | €0.69Lower |
| Insurance types | Home, Health, Dental, Pet, Travel, Gadget | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more |
| Provider type | Insurer | Comparison site |
| Cover limit | Unlimited legal expenses sum insured in Europe (Kompakt: EUR 350,000 worldwide) | EUR 5 million to EUR 50 million, recommended at least EUR 10 million |
| Claims channels | Online, Phone | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post |
| Monthly payments | Yes | Not confirmed |
| Excess from | €0 | Not confirmed |
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Key differences
- ARAG scores higher overall: 9.4 vs 9.3.
- Founded is lower at ARAG: 1935 vs 1999.
- ARAG is available in 15 more countries.
- Premium from is lower at CHECK24: €0.69 vs €14.73.
- Insurance types: only CHECK24 offers Auto, Life, Motorcycle.
- Claims channels: only ARAG offers Online, Phone.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
Our verdict on each
ARAG
ARAG is a German insurer founded in 1935 that writes home, health, dental, pet, travel and gadget cover on a monthly basis. It suits readers who want several household risks placed with the insurer itself, and who can live with a legal expenses limit that is fixed outside Europe.
CHECK24
CHECK24 suits people who would rather compare several insurers in one place than settle with a single provider, and it has worked as a comparison site since 1999. The trade-off is that the policy belongs to whichever insurer you pick, so the gain comes from the choice rather than from the site itself.
Score breakdown
| Area | ARAG | CHECK24 |
|---|---|---|
| Cost | 9.1Entry premium of €14.73 sits above the lower-quartile price of €2.92 and the typical price of €8.37. | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. |
| Offer | 9.3 | 9.6Higher |
| Trust | 9.6Higher | 8.6 |
Availability and regulation
| Country | ARAG | CHECK24 |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 |
Available in 3 countries for both. Additional countries for ARAG: 15.
Feature by feature
| Insurance types | ARAG | CHECK24 |
|---|---|---|
| Auto | No | Yes |
| Home | Yes | Yes |
| Life | No | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | No | Yes |
| Dental | Yes | Yes |
| Income protection | No | Yes |
| Gadget | Yes | Yes |
If neither fits
IATI Seguros Portugal has premium from at €0.58, against €14.73 for ARAG and €0.69 for CHECK24.
IATI Seguros Portugal reviewWhat we checked
ARAG
- arag.de: 8 facts, checked September 26, 2026
- arag.com: 4 facts, checked September 26, 2026
CHECK24
- check24.de: 10 facts, checked September 26, 2026
How they place
| Ranking | ARAG | CHECK24 |
|---|---|---|
| Home insurance | 47 of 272 | 8 of 272 |
| Health insurance | 40 of 215 | 8 of 215 |
| Travel insurance | 74 of 291 | 13 of 291 |
| Pet insurance | 34 of 161 | 7 of 161 |
| Business insurance | 35 of 150 | 10 of 150 |
| Dental insurance | 15 of 50 | 5 of 50 |
Every fact side by side
| Fact | ARAG | CHECK24 |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | ARAG SE | CHECK24 Vergleichsportal GmbH |
| Headquarters | Germany | Germany |
| Founded | 1935Lower | 1999 |
| Support channels | Email, Chat, Phone, Help centre | Chat, Email, Phone, Help centre |
Where each stands against the rest
| Fact | ARAG | CHECK24 | Median |
|---|---|---|---|
| Premium from | €14.73above the median | €0.69lowest quarter | €5.97 |
| Excess from | €0below the median | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
ARAG
Pros
- Premium starts at €14.73 with an excess of €0, so nothing is deducted from a legal expenses claim before payment.
- ARAG is the insurer itself, insurer, so the contract sits with the company that pays the claim rather than a broker.
- Home, health, dental, pet, travel and gadget cover all sit with the same provider under home, health and dental, so a household need not shop each line separately.
Cons
- The starting premium of €14.73 is above the typical price of €8.37 across the comparison, so cheaper entry points exist.
- Auto and life are missing from home, health and dental, while Good Sam Insurance Agency lists both in auto, home and renters.
- Claims are handled on online and phone, a narrower set of routes than the email, chat and phone offered for general service.
CHECK24
Pros
- One account reaches auto, home and life, so several kinds of cover can be arranged in the same place.
- Monthly payments are the model on offer, monthly, which spreads a policy charge month by month.
- Support runs on chat, email and phone, so a question can go by chat, email, phone or the help centre.
Cons
- comparison site places CHECK24 outside underwriting, so the cover limit, the wording and the payout are set by the insurer you choose.
- The claim route follows the insurer too: CHECK24 Versicherungscenter online claim form, insurer online claim form and post means the form sits with the site's insurance centre, with the insurer, or goes by post.
- Monthly payments are the only model listed, monthly, so nothing annual is shown beside the monthly figure.
Who each suits
ARAG
Who it suits
- Households wanting home, health, dental, pet, travel and gadget cover written by the insurer itself under home, health and dental.
- Readers who pay monthly, since monthly payments are available and monthly is the only pricing model listed.
- Anyone weighing a claim with no money deducted first, because the excess on the legal expenses policy is €0.
Who should look elsewhere
- Drivers or life savers, since Good Sam Insurance Agency covers auto and life in auto, home and renters while ARAG's home, health and dental does not list them.
- Buyers who need landlord or renters policies, because Hiscox UK sells both under home, renters and landlord and ARAG's list stops at home, health, dental, pet, travel and gadget.
- Readers shopping purely on the lowest entry price, as €14.73 sits above the typical price of €8.37 and Euroasia Insurance quotes from UZS 60,000.
CHECK24
Who it suits
- People arranging several kinds of cover, since one account reaches auto, home and life.
- Shoppers who want a policy charge spread month by month: monthly.
- Applicants in Germany, where the site is based: DE.
Who should look elsewhere
- Buyers who want one insurer's own cover rather than a comparison: Good Sam Insurance Agency sets out auto, home and renters from a single provider.
- People who want a quote from a single market rather than a German comparison: EuroAsia Insurance lists UZS 60,000, drawn from a different market to DE.
Current offers
ARAG
Current offer
Discount code
ARAG Recht und Heim package: 20% discount
Legal expenses, home contents and liability insurance bundle; claimed directly on the ARAG German site
Source, checked September 26, 2026
Country by country
| Country | ARAG | CHECK24 |
|---|---|---|
| Belgium | Yes | No |
| Canada | Yes | No |
| Denmark | Yes | No |
| Finland | Yes | No |
| Greece | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 18 countries where either is available.
Questions about each
ARAG
What does ARAG cost to start with?+
The listed entry premium is €14.73, set on monthly terms for the legal expenses policy. That sits above the typical price of €8.37 and above the lower-quartile price of €2.92 across the comparison, so ARAG is priced in the middle of the field rather than at the budget end. The excess on that policy is €0.
Can I pay monthly instead of one annual sum?+
Yes. Monthly payments are available and monthly is the only pricing model listed, so the policy is not sold as a single annual payment. The same pattern runs across the comparison, with 88.9% of the listed brands offering monthly payments. Readers who set money aside each month are paying on the terms most of this market uses.
CHECK24
What does cover cost through CHECK24?+
For private liability cover on monthly payments, the entry premium is €0.69. The model is monthly, so a policy is carried month by month rather than settled in one payment, and the monthly figure is the number to weigh when comparing insurers. The exact premium follows the insurer and the cover you select.
Is CHECK24 an insurer?+
CHECK24 is a comparison site rather than an insurer, and the site is operated by CHECK24 Vergleichsportal GmbH. The policy you take out is underwritten and settled by the insurer you choose from the comparison, which is why the cover limit and the claim route both point to that insurer rather than to the site.
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