Updated September 29, 2026 · AssureCue Editorial Team
CHECK24 vs KS Auxilia
CHECK24 vs KS Auxilia: the differences
| Compare |  CHECK24 |  KS Auxilia |
|---|---|---|
| Premium from | €0.69Lower | €5.04 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, Gadget | Legal expenses, Breakdown |
| Provider type | Comparison site | Insurer |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Unlimited |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Online, Phone, Email, Chat |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €0 |
| Age range | Not confirmed | 18+ |
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Key differences
- KS Auxilia scores higher overall: 9.4 vs 9.3.
- Founded is lower at KS Auxilia: 1964 vs 1999.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €5.04.
- Insurance types: only CHECK24 offers Auto, Home, Life.
- Insurance types: only KS Auxilia offers Legal expenses, Breakdown.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only KS Auxilia offers Online, Phone, Email.
- Support channels: only CHECK24 offers Help centre.
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.
KS Auxilia
KS Auxilia suits drivers and households in Germany seeking dedicated legal expenses and breakdown protection with monthly payments and direct insurer accountability. Entry premium is €5.04 with cover limit at Unlimited and free excess, which keeps initial outlay modest for adults seeking traffic related legal support.
Score breakdown
| Area | CHECK24 | KS Auxilia |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 9.3Modest starting point shown by €5.04 with €0 easing initial spend |
| Offer | 9.6Higher | 9.2Narrow motor legal focus through legal expenses and breakdown capped by Unlimited |
| Trust | 8.6 | 9.6HigherEstablished direct structure as insurer dating to 1964 |
Where each is licensed and available
| Country | CHECK24 | KS Auxilia |
|---|---|---|
| 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.
Positions in our rankings
| Ranking | CHECK24 | KS Auxilia |
|---|---|---|
| Business insurance | 10 of 150 | 1 of 150 |
If neither fits
IATI Seguros Portugal has premium from at €0.58, against €0.69 for CHECK24 and €5.04 for KS Auxilia.
IATI Seguros Portugal reviewWhat we checked
CHECK24
- check24.de: 10 facts, checked September 26, 2026
KS Auxilia
- ks-auxilia.de: 14 facts, checked September 29, 2026
Every fact side by side
| Fact | CHECK24 | KS Auxilia |
|---|---|---|
| Audience | Not confirmed | Seniors |
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | AUXILIA Rechtsschutz-Versicherungs-Aktiengesellschaft |
| Headquarters | Germany | Germany |
| Founded | 1999 | 1964Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Chat, Phone |
Business insurance
| Fact | CHECK24 | KS Auxilia |
|---|---|---|
| Industries | Not confirmed | Private households, trades, medical professions, farmers, companies |
Where each stands against the rest
| Fact | CHECK24 | KS Auxilia | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €5.04below the median | €5.97 |
| Excess from | Not confirmed | €0below 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.
KS Auxilia
Pros
- Cover limit is Unlimited for traffic legal protection, giving broad headroom for insured disputes
- Entry premium is €5.04 with monthly payments available, helping you spread costs
- Excess is €0, so covered traffic claims carry free excess at point of claim
Cons
- Cover spans legal expenses and breakdown only, so you may prefer Esure which lists auto, home and renters for broader household needs
- Support runs on email, chat and phone only, which may feel limited if you value help centre resources
- Eligibility centres on adults within 18+, which rules out younger household members seeking cover
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.
KS Auxilia
Who it suits
- Motorists wanting traffic legal cover rather than Esure broad household mix across travel and home lines
- Drivers seeking unlimited traffic limit rather than Select and Protect focus on home and pet needs
- Adults wanting monthly budgeting and direct insurer handling rather than Dextra Rechtsschutz Swiss tariff route
Who should look elsewhere
- Travellers or pet owners needing wider cover should consider Esure for its broader mix across home, travel and gadget lines
- Swiss residents wanting local tariff choice should consider Dextra Rechtsschutz for its domestic premium structure
Country by country
| Country | CHECK24 | KS Auxilia |
|---|---|---|
| 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.
KS Auxilia
How much does KS Auxilia cover cost to start?+
Entry premium is €5.04 for qualifying traffic legal cover, with final pricing shaped by tariff and options you select. Monthly payments are available, which helps you spread the yearly budget across the policy term in smaller instalments.
What excess applies to a claim?+
Excess is €0 for the traffic tariff, which means you face no deductible when a covered claim proceeds. That free excess structure keeps claims simple and helps you plan legal budgets without added out of pocket uncertainty.
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