Updated September 28, 2026 · AssureCue Editorial Team
Barmenia vs CHECK24
Where Barmenia and CHECK24 differ
| Compare |  Barmenia |  CHECK24 |
|---|---|---|
| Premium from | €2.40 | €0.69Lower |
| Insurance types | Auto, Home, Renters, Life, Health, Travel, Pet, Motorcycle, Dental, Critical illness, Income protection, Home emergency | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget |
| Provider type | Insurer | Comparison site |
| Cover limit | Unlimited annual maximum benefit (pet surgery cover) | EUR 5 million to EUR 50 million, recommended at least EUR 10 million |
| Claims channels | Online claims form, Phone, Email, Customer portal | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post |
| Monthly payments | Yes | Not confirmed |
| Excess from | €250 | Not confirmed |
| Age range | Any age (dog surgery cover) | Not confirmed |
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Key differences
- Barmenia scores higher overall: 9.4 vs 9.3.
- Founded is lower at Barmenia: 1904 vs 1999.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €2.40.
- Insurance types: only Barmenia offers Renters, Critical illness, Home emergency.
- Insurance types: only CHECK24 offers Gadget.
- Claims channels: only Barmenia offers Online claims form, Phone, Email.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Support channels: only CHECK24 offers Chat.
Our verdict on each
Barmenia
Barmenia is a direct insurer founded in 1904, and it suits people who want motor, home, health and pet cover held on a single monthly policy rather than split across separate insurers. Claims can start by online claims form, phone and email, and pet surgery cover is open to Any age (dog surgery cover).
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 | Barmenia | CHECK24 |
|---|---|---|
| Cost | 9.0Premium starts at €2.40 against a site median of €8.37, ranking 55 of 252. | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. |
| Offer | 9.6 | 9.6 |
| Trust | 9.7Higher | 8.6 |
Side by side, item by item
| Insurance types | Barmenia | CHECK24 |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | Yes |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | Yes |
| Dental | Yes | Yes |
| Critical illness | Yes | No |
| Income protection | Yes | Yes |
| Gadget | No | Yes |
| Home emergency | Yes | No |
A third option
IATI Seguros Portugal has premium from at €0.58, against €2.40 for Barmenia and €0.69 for CHECK24.
IATI Seguros Portugal reviewHow they place
| Ranking | Barmenia | CHECK24 |
|---|---|---|
| Car insurance | 67 of 393 | 9 of 393 |
| Home insurance | 51 of 272 | 8 of 272 |
| Life insurance | 45 of 261 | 7 of 261 |
| Health insurance | 42 of 215 | 8 of 215 |
| Travel insurance | 76 of 291 | 13 of 291 |
| Pet insurance | 36 of 161 | 7 of 161 |
| Business insurance | 39 of 150 | 10 of 150 |
| Motorbike insurance | 26 of 120 | 6 of 120 |
| Income protection insurance | 12 of 92 | 3 of 92 |
| Dental insurance | 16 of 50 | 5 of 50 |
Every fact side by side
| Fact | Barmenia | CHECK24 |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | Barmenia Versicherungen a. G. | CHECK24 Vergleichsportal GmbH |
| Headquarters | Germany | Germany |
| Founded | 1904Lower | 1999 |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Barmenia | CHECK24 | Median |
|---|---|---|---|
| Premium from | €2.40lowest quarter | €0.69lowest quarter | €5.97 |
| Excess from | €250highest quarter | Not confirmed | €70 |
Median across 109 listed insurance providers.
Pros and cons
Barmenia
Pros
- A single insurer holds auto, home and renters plus home emergency cover, so several personal lines sit with one provider.
- Monthly payments are available and monthly is the listed payment model, which spreads the cost across the year.
- Claims can be started by online claims form, phone and email, so a customer portal sits alongside phone and email.
Cons
- The pet surgery excess starts at €250, so part of a claim bill still comes out of the household's pocket.
- Gadget, landlord and breakdown cover are not among its insurance types (auto, home and renters), so those risks sit with another provider.
- General queries run on phone, email and help centre, and live chat is not among them.
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
Barmenia
Who it suits
- Households wanting motor, home, health and pet cover arranged by a single direct insurer.
- Owners of older dogs, since Any age (dog surgery cover) applies to the surgery cover.
- People who prefer monthly payments over settling a premium in one go.
Who should look elsewhere
- Buyers after a narrow line rather than a bundle: Good Sam Insurance Agency lists auto, home and renters and leaves out dental, critical illness and income protection.
- Anyone quoting in a different market: Euroasia Insurance starts at UZS 60,000, priced in another currency from Barmenia's home market of DE.
- Customers wanting a mobile banking account instead of general insurance: bunq quotes €0 for an account, not for auto, home and renters cover.
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.
Country by country
| Country | Barmenia | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Spain | No | Yes |
| Germany | Yes | Yes |
Questions about each
Barmenia
How much does cover cost?+
The starting premium is €2.40, which sits below the €8.37 median across the site and places Barmenia at 55 of 252 on that measure. Pet surgery cover also carries an excess starting at €250.
Is there an excess to pay on pet cover?+
On pet surgery cover the excess starts at €250, so at least that much comes off a claim before the balance is paid. Owners with frequent small veterinary bills will feel that contribution more than those making a single large claim.
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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