Updated September 28, 2026 · AssureCue Editorial Team
Aviva vs CHECK24
What sets them apart
| Compare |  Aviva |  CHECK24 |
|---|---|---|
| Premium from | £5 | €0.69 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget |
| Provider type | Insurer | Comparison site |
| Claims channels | Online, App, Phone | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post |
| Monthly payments | Yes | Not confirmed |
| Cover limit | Not confirmed | EUR 5 million to EUR 50 million, recommended at least EUR 10 million |
| Age range | 18-77 | Not confirmed |
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Key differences
- Aviva scores higher overall: 9.4 vs 9.3.
- CHECK24 is available in 2 more countries.
- Insurance types: only Aviva offers Renters, Landlord, Critical illness.
- Insurance types: only CHECK24 offers Motorcycle, Dental, Gadget.
- Claims channels: only Aviva offers Online, App, Phone.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Support channels: only CHECK24 offers Email.
Our verdict on each
Aviva
Aviva suits people who want one regulated insurer for the whole family, from car and home to life and critical illness cover. Life premiums start at £5 a month, a low entry point, and the account is overseen by the Financial Conduct Authority and the Prudential Regulation Authority.
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 | Aviva | CHECK24 |
|---|---|---|
| Cost | 9.1Life premiums start at £5, below the site median of €8.37, and monthly payments are available. | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. |
| Offer | 9.4 | 9.6Higher |
| Trust | 9.6Higher | 8.6 |
Availability and regulation
| Country | Aviva | CHECK24 |
|---|---|---|
| Germany | Not confirmed | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 |
| United Kingdom | Financial Conduct Authority 308139 | Not confirmed |
Additional countries for Aviva: 1. Additional countries for CHECK24: 3.
How they place
| Ranking | Aviva | CHECK24 |
|---|---|---|
| Car insurance | 64 of 393 | 9 of 393 |
| Home insurance | 48 of 272 | 8 of 272 |
| Life insurance | 42 of 261 | 7 of 261 |
| Health insurance | 41 of 215 | 8 of 215 |
| Travel insurance | 75 of 291 | 13 of 291 |
| Pet insurance | 35 of 161 | 7 of 161 |
| Business insurance | 36 of 150 | 10 of 150 |
| Income protection insurance | 11 of 92 | 3 of 92 |
Every fact side by side
| Fact | Aviva | CHECK24 |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | CHECK24 Vergleichsportal GmbH |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 1999 |
| Support channels | Phone, Chat, Help centre | Chat, Email, Phone, Help centreCovers more |
Business insurance
| Fact | Aviva | CHECK24 |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Not confirmed |
| Industries | vehicles, vans, rental property | Not confirmed |
Pros and cons
Aviva
Pros
- One insurer covers auto, home and renters
- Life premiums start at £5, under the site median of €8.37
- Aviva is an insurer, so it carries the risk itself
Cons
- £5 is an entry figure on life cover
- monthly lists monthly as the only model
- Support runs on phone, chat and help centre only
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
Aviva
Who it suits
- Families wanting car, home, renters, landlord, life, health, travel, pet, van and breakdown cover from one regulated insurer
- Older policyholders looking for life cover from an insurer listing seniors as an audience
- Landlords and vehicle businesses needing employers liability, professional indemnity and public liability
Who should look elsewhere
- Anyone wanting annual billing, since monthly lists monthly as the only model
- Readers wanting motorcycle or dental cover, neither of which appears in auto, home and renters
- Businesses needing cyber or property cover, as employers liability, professional indemnity and public liability covers only three lines
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
Aviva
Current offer
Bonus
Amazon.co.uk gift card reward for Life Insurance Plan: Amazon.co.uk gift card worth GBP 50 to GBP 200
Apply for a Life Insurance Plan by 9 November 2026; claim after paying six monthly premiums; max one reward per person and per policy; GBP 50 for monthly premium GBP 5-9.99, GBP 80 for GBP 10-19.99, GBP 140 for GBP 20-29.99, GBP 200 for GBP 30 or more; limited time offer, restrictions apply, may be withdrawn
Source, checked September 26, 2026
First period offer
Free life insurance when buying a home: up to 90 days free life insurance
Applies when buying a home; terms apply, see policy conditions for full details
Source, checked September 26, 2026
Country by country
| Country | Aviva | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Spain | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Aviva
How much does Aviva cost as a starting point?+
Life insurance premiums start at £5. That figure sits below the site median of €8.37, where the market runs from €2.92 to €29.72. Motor, home and health cover are quoted separately rather than from this headline number.
Can I pay Aviva premiums monthly?+
Monthly payments are available and monthly lists monthly as the arrangement. That is the only model on record, so readers who prefer to settle a policy in one payment each year will not find that option here. Instalments can make a policy easier to start, though the total paid over the term is worth checking.
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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