Updated September 28, 2026 · AssureCue Editorial Team
CHECK24 vs Linxea
CHECK24 vs Linxea: the differences
| Compare |  CHECK24 |  Linxea |
|---|---|---|
| Premium from | €0.69Lower | €25 |
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Life |
| Provider type | Comparison site | Broker |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone, Email, Post |
| Monthly payments | Not confirmed | Yes |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Not confirmed |
| Age range | Not confirmed | 18+ |
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Key differences
- CHECK24 scores higher overall: 9.3 vs 8.9.
- Founded is lower at CHECK24: 1999 vs 2001.
- CHECK24 is available in 2 more countries.
- Premium from is lower at CHECK24: €0.69 vs €25.
- Insurance types: only CHECK24 offers Auto, Home, Health.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form.
- Claims channels: only Linxea offers Phone, Email.
- Support channels: only Linxea offers Community.
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.
Linxea
Linxea suits expats in France who want a life policy with monthly payments and a wide support choice. Fees start at €25, which sits above the €8.37 across the ranking, so the account runs on price rather than entry cost.
Score breakdown
| Area | CHECK24 | Linxea |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 8.8Fees start at €25, above the €8.37 and the €7.95 in this ranking. |
| Offer | 9.6Higher | 9.1 |
| Trust | 8.6 | 8.9Higher |
Pick CHECK24 if, pick Linxea if
Pick CHECK24 if cost, offer, premium from, and insurance types matter most.
Pick Linxea if trust matter most.
Where each is licensed and available
| Country | CHECK24 | Linxea |
|---|---|---|
| France | Not confirmed | |
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | Not confirmed |
Additional countries for CHECK24: 3. Additional countries for Linxea: 1.
How they place
| Ranking | CHECK24 | Linxea |
|---|---|---|
| Life insurance | 7 of 261 | 3 of 261 |
Every fact side by side
| Fact | CHECK24 | Linxea |
|---|---|---|
| Audience | Not confirmed | Expats |
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | LINXEA, societe par actions simplifiee, RCS Paris 478 958 762 |
| Headquarters | Germany | France |
| Founded | 1999Lower | 2001 |
| Support channels | Chat, Email, Phone, Help centre | Phone, Chat, Email, Help centre, CommunityCovers more |
Where each stands against the rest
| Fact | CHECK24 | Linxea | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | €25highest quarter | €5.97 |
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.
Linxea
Pros
- Monthly payments are available, which most providers in this ranking also offer.
- Support runs on phone, chat and email, wider than the median provider in this ranking.
- Linxea is a broker, listed in the Orias register under 07 031 073.
Cons
- Fees start at €25, above the €7.95 for this ranking.
- Only life insurance is offered, narrower than auto, home and renters.
- The entry age starts at 18+, so younger savers cannot open an account.
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.
Linxea
Who it suits
- Expats living in France who want a life policy with monthly payments
- Adults who prefer broker advice rather than a direct insurer
- People who want help by phone, chat, email and a help centre
Who should look elsewhere
- Anyone wanting auto, home, health or travel cover alongside life, where Good Sam Insurance Agency covers more ground
- Anyone looking for the lowest entry fee, since bonus.ch starts at CHF 0
- Borrowers comparing loan amounts, since Oney Préstamos ES quotes €1,000
Current offers
Linxea
Current offer
Bonus
100 EUR welcome gift for opening a Linxea Spirit 2 contract for a minor child: 100 EUR
Opening a Linxea Spirit 2 contract for a minor child, under the conditions of the welcome offer
Source, checked September 26, 2026
Bonus
Boost Suravenir Opportunites 2 yield bonus on Linxea Avenir 2 (2026-2027): +1.50% net (target 4.50% net)
From 15/09/2026 to 31/12/2026, minimum 20,000 EUR deposit in free management split between the Suravenir Opportunites 2 euro fund and unit accounts; +1.00% net if at least 30% in non-guaranteed unit accounts, +1.50% net if at least 50%; excludes programmed deposits and Pacte transfers
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Linxea |
|---|---|---|
| Austria | Yes | No |
| France | No | Yes |
| Germany | Yes | No |
| Spain | Yes | No |
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.
Linxea
What does a Linxea policy cost to start?+
The entry point is €25, and monthly payments are available if you would rather spread the commitment. For context, the median starting fee across this site is €8.37, and Linxea ranks at 183 out of 252 brands on this measure. So the starting figure is above the middle of the pack rather than at the budget end.
Can I pay a Linxea policy monthly?+
Yes. Monthly payments are offered, and monthly describes the payment structure. Most brands in this life insurance ranking also offer monthly payments, so this is a common feature rather than a differentiator. It still matters for cash flow, since it turns one yearly commitment into smaller sums spread through the year.
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