Updated September 29, 2026 · AssureCue Editorial Team
CHECK24 vs HanseMerkur
CHECK24 vs HanseMerkur: the differences
| Compare |  CHECK24 |  HanseMerkur |
|---|---|---|
| Premium from | €0.69Lower | €3.36 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Auto, Dental, Health, Pet, Travel |
| Provider type | Comparison site | Insurer |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €150 |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Founded is lower at HanseMerkur: 1875 vs 1999.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €3.36.
- Insurance types: only CHECK24 offers Home, Life, Motorcycle.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only HanseMerkur offers Online.
- Support channels: only CHECK24 offers Chat.
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.
HanseMerkur
HanseMerkur suits households seeking cover for auto, dental, health, pet and travel under direct insurer management with monthly payments available, while listed premiums sit at €3.36 with excess at €150. Support spans email, help centre and phone and claims run through online for straightforward administration.
Score breakdown
| Area | CHECK24 | HanseMerkur |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 9.0Listed premium sits at €3.36 with monthly payments available. |
| Offer | 9.6Higher | 8.8Cover spans auto, dental and health with claims through online. |
| Trust | 8.6 | 9.8HigherDirect placement as insurer with support through email, help centre and phone. |
Side by side, item by item
| Insurance types | CHECK24 | HanseMerkur |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | Yes |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | Yes |
| Income protection | Yes | No |
| Gadget | Yes | No |
Where each is licensed and available
| Country | CHECK24 | HanseMerkur |
|---|---|---|
| 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.
How they place
| Ranking | CHECK24 | HanseMerkur |
|---|---|---|
| Car insurance | 9 of 393 | 1 of 393 |
| Health insurance | 8 of 215 | 2 of 215 |
| Travel insurance | 13 of 291 | 3 of 291 |
| Pet insurance | 7 of 161 | 2 of 161 |
| Business insurance | 10 of 150 | 3 of 150 |
| Dental insurance | 5 of 50 | 1 of 50 |
Every fact side by side
| Fact | CHECK24 | HanseMerkur |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | HanseMerkur Krankenversicherung auf Gegenseitigkeit |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1875Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Help centre, Phone |
Where each stands against the rest
| Fact | CHECK24 | HanseMerkur | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €3.36below the median | €5.97 |
| Excess from | Not confirmed | €150above 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.
HanseMerkur
Pros
- Operates as insurer, so cover, servicing and claims sit under direct management.
- Lists cover across auto, dental and health, including auto, health, travel, pet and dental in a single portfolio.
- Monthly payments are available, with billing model shown as monthly for budgeting flexibility.
Cons
- Excess sits at €150, which adds upfront cost on eligible claims.
- Claims run through online only, which limits how claims can be started.
- Support runs through email, help centre and phone only, without live chat for urgent queries.
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.
HanseMerkur
Who it suits
- Households seeking several personal lines together, with cover across auto, dental and health.
- Readers who value direct insurer management, as HanseMerkur operates as insurer.
- Budget planners wanting instalments, since monthly payments are available under monthly.
Who should look elsewhere
- Readers wanting live chat support may prefer checking andsafe, since HanseMerkur support runs through email, help centre and phone only.
- Readers seeking cover outside auto, dental, health, pet and travel may look at Hiscox, as HanseMerkur lists auto, dental and health.
Country by country
| Country | CHECK24 | HanseMerkur |
|---|---|---|
| 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.
HanseMerkur
What is the starting premium at HanseMerkur?+
Listed premium for HanseMerkur sits at €3.36. Actual pricing varies by cover type, excess selected, personal details and underwriting terms, so readers should obtain a tailored quote for auto, health, travel, pet or dental cover before comparing.
What excess applies to HanseMerkur cover?+
Excess at HanseMerkur sits at €150. The excess shapes claim costs because policyholders meet that share before insurer payment applies. Readers should check which claims carry excess, whether options differ by product and how excess affects renewal pricing.
Other options to compare
Other matchups
- CHECK24 vs Income Insurance
- CHECK24 vs WorldTrips
- CHECK24 vs die Bayerische
- CHECK24 vs Principal
- CHECK24 vs ARAG
- CHECK24 vs Allianz Lebensversicherungs-AG
- CHECK24 vs Aviva
- CHECK24 vs Barmenia
- CHECK24 vs Guardian1821
- CHECK24 vs KS Auxilia
- CHECK24 vs MyPhysicianPlan
- CHECK24 vs HanseMerkur Reiseversicherung AT
- CHECK24 vs AXA
- CHECK24 vs Linxea
- HanseMerkur vs Explorer Travel Insurance
- CHECK24 vs HelloSafe (Atlas)
- CHECK24 vs MSIG Insurance (Thailand)
- CHECK24 vs TIPINSURE
- CHECK24 vs Vuso UA
- CHECK24 vs Lemonade
- CHECK24 vs Acko
- CHECK24 vs Getsafe
- CHECK24 vs DirectAsia
- CHECK24 vs YouSet
- CHECK24 vs WAS Insurance
- HanseMerkur vs MoneyHero