Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs die Bayerische
Where CHECK24 and die Bayerische differ
| Compare |  CHECK24 |  die Bayerische |
|---|---|---|
| Premium from | €0.69Lower | €2.09 |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | 100 million EUR (E-Scooter-Versicherung) |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online, Post, Phone |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €0 to €35 |
Same on both: Insurance types (Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget).
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Key differences
- die Bayerische scores higher overall: 9.6 vs 9.3.
- Founded is lower at die Bayerische: 1858 vs 1999.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €2.09.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form.
- Claims channels: only die Bayerische offers Online, Phone.
Our verdict on each
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.
die Bayerische
die Bayerische is a German insurer writing business since 1858, and it suits people who want personal lines and business cover from one underwriter. It scores 8 overall, with premiums starting at €2.09 on the mobile phone liability line and monthly payments available.
Score breakdown
| Area | CHECK24 | die Bayerische |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 9.4Entry premium €2.09 sits below the site median, €8.37, and below the lower quartile, €2.92. |
| Offer | 9.6 | 9.6 |
| Trust | 8.6 | 9.7Higher |
Licences and countries
| Country | CHECK24 | die Bayerische |
|---|---|---|
| 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 1 country for both. Additional countries for CHECK24: 2.
Also worth a look
IATI Seguros Portugal has premium from at €0.58, against €0.69 for CHECK24 and €2.09 for die Bayerische.
IATI Seguros Portugal reviewHow they place
| Ranking | CHECK24 | die Bayerische |
|---|---|---|
| Car insurance | 9 of 393 | 50 of 393 |
| Home insurance | 8 of 272 | 34 of 272 |
| Life insurance | 7 of 261 | 29 of 261 |
| Health insurance | 8 of 215 | 31 of 215 |
| Travel insurance | 13 of 291 | 64 of 291 |
| Pet insurance | 7 of 161 | 27 of 161 |
| Business insurance | 10 of 150 | 28 of 150 |
| Motorbike insurance | 6 of 120 | 19 of 120 |
| Income protection insurance | 3 of 92 | 5 of 92 |
| Dental insurance | 5 of 50 | 11 of 50 |
Every fact side by side
| Fact | CHECK24 | die Bayerische |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | BY die Bayerische Vorsorge Lebensversicherung a.G. |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1858Lower |
| Support channels | Chat, Email, Phone, Help centre | Phone, Email, Chat, Help centre |
Business insurance
| Fact | CHECK24 | die Bayerische |
|---|---|---|
| Cover types | Not confirmed | Public liability, Property |
| Industries | Not confirmed | Retail, construction, cleaning, hospitality and health professions |
Where each stands against the rest
| Fact | CHECK24 | die Bayerische | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €2.09lowest quarter | €5.97 |
| Excess from | Not confirmed | €0 to €35below the median | €70 |
Median across 109 listed insurance providers.
Pros and cons
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.
die Bayerische
Pros
- Premiums start at €2.09 on the mobile phone liability line, and the excess on that same line runs €0 to €35, so a small loss can cost nothing to settle.
- die Bayerische underwrites the risk itself as insurer, writing auto, home and motorcycle for households and public liability and property for businesses, so cover and claims stay with one company.
- Monthly payments are available, so a premium is spread across the year rather than paid in one sum.
Cons
- The entry premium and the cover limit come from different products: €2.09 is quoted for the mobile phone line, while 100 million EUR (E-Scooter-Versicherung) applies to e-scooter cover, so neither figure describes a motor or home policy.
- Renters cover is missing from auto, home and motorcycle, whereas Good Sam Insurance Agency includes it in auto, home and renters.
- Business cover is limited to public liability and property, a narrower set than the market, where professional indemnity alone is offered by 63.5% of the brands on the site.
Who each suits
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.
die Bayerische
Who it suits
- Households that want dental, health and income protection from the same insurer as their motor and home cover, since auto, home and motorcycle lists all of them.
- Small trades in sectors such as shops, building work, cleaning services, hospitality venues and health practices, the industries die Bayerische names for its public liability and property.
- People who prefer spreading a premium across the year, since monthly payments are available here.
Who should look elsewhere
- Renters who want contents cover, since Good Sam Insurance Agency lists renters in auto, home and renters and die Bayerische does not.
- Shoppers chasing a free starting price elsewhere, since bunq lists €0 against the €2.09 entry premium quoted here.
- Readers comparing a single market, since EuroAsia Insurance quotes from UZS 60,000 in a different currency and the two figures do not line up.
Current offers
die Bayerische
Current offer
Bonus
Happybrush voucher or toothbrush with Zahnzusatzversicherung: Voucher or Happybrush toothbrush
On conclusion of a Zahnzusatzversicherung, depending on the tariff chosen
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | die Bayerische |
|---|---|---|
| Austria | Yes | No |
| Spain | Yes | No |
| Germany | Yes | Yes |
Questions about each
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.
die Bayerische
What is the lowest premium at die Bayerische?+
The lowest premium listed is €2.09, quoted for the mobile phone liability cover, and the excess on that same line runs €0 to €35. That entry figure places die Bayerische at 50 of 252 brands ranked on the site's premium measure.
Can I pay monthly rather than in one payment?+
Monthly payments are available, and monthly payment is the only model die Bayerische lists, monthly. The monthly amount itself is set in the policy wording for the line you choose, so the entry premium quoted on the site is a starting point rather than a figure for every product.
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