Updated September 29, 2026 · AssureCue Editorial Team
CHECK24 vs WAS Insurance
Where CHECK24 and WAS Insurance differ
| Compare |  CHECK24 |  WAS Insurance |
|---|---|---|
| Insurance types | Auto, Home, Life, Health, Travel, Pet, Motorcycle, Dental, Income protection, GadgetCovers more | Travel, Pet |
| Provider type | Comparison site | Broker |
| Cover limit | EUR 5 million to EUR 50 million, recommended at least EUR 10 million | Unlimited medical |
| Claims channels | CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post | Phone, Email, Online |
| Premium from | €0.69 | Not confirmed |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | A$100 |
| Age range | Not confirmed | 18-99 |
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Key differences
- CHECK24 scores higher overall: 9.3 vs 8.9.
- CHECK24 is available in 2 more countries.
- Insurance types: only CHECK24 offers Auto, Home, Life.
- Claims channels: only CHECK24 offers CHECK24 Versicherungscenter online claim form, Insurer online claim form, Post.
- Claims channels: only WAS Insurance offers Phone, Email, Online.
- Support channels: only CHECK24 offers Chat, 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.
WAS Insurance
WAS Insurance suits travellers and pet owners in AU who want a broker with help via email and phone. It accepts a wide age span of 18-99 for cover, so you can check eligibility and claim options before you compare quotes.
Score breakdown
| Area | CHECK24 | WAS Insurance |
|---|---|---|
| Cost | 9.8HigherEntry premium €0.69 sits well under the site median of €8.37, though monthly payments decide the total. | 9.0Pet claims carry excess of AUD 100 per claim. |
| Offer | 9.6Higher | 8.8Range covers travel and pet only, focused on travel and pet. |
| Trust | 8.6 | 8.8HigherWiseandsilent Pty Ltd holds licence 536280 under ASIC. |
Side by side, item by item
| Insurance types | CHECK24 | WAS Insurance |
|---|---|---|
| Auto | Yes | No |
| Home | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | Yes |
| Motorcycle | Yes | No |
| Dental | Yes | No |
| Income protection | Yes | No |
| Gadget | Yes | No |
Where each is licensed and available
| Country | CHECK24 | WAS Insurance |
|---|---|---|
| Australia | Not confirmed | ASIC 536280 |
| 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 WAS Insurance: 1.
How they place
| Ranking | CHECK24 | WAS Insurance |
|---|---|---|
| Travel insurance | 13 of 291 | 32 of 291 |
| Pet insurance | 7 of 161 | 12 of 161 |
Every fact side by side
| Fact | CHECK24 | WAS Insurance |
|---|---|---|
| Pricing model | Monthly | Monthly |
| Legal entity | CHECK24 Vergleichsportal GmbH | Wiseandsilent Pty Ltd |
| Headquarters | Germany | Australia |
| Founded | 1999 | Not confirmed |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | CHECK24 | WAS Insurance | Median |
|---|---|---|---|
| Premium from | €0.69lowest quarter | Not confirmed | €5.97 |
| Excess from | Not confirmed | A$100above the median | A$0 |
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.
WAS Insurance
Pros
- Travel medical protection is listed as Unlimited medical, which addresses high hospital bills abroad.
- Claims accept phone, email and online, so you can call, email or file online when you need help.
- Billing follows monthly and monthly payments are available, which spreads premiums across the year.
Cons
- Range stays limited to travel and pet, so auto or home needs sit elsewhere.
- Support runs on email and phone only, so chat help is outside email and phone.
- Pet claims include excess of AUD 100, which adds to vet bills.
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.
WAS Insurance
Who it suits
- Travellers who want medical led cover should shortlist WAS Insurance over andsafe, thanks to Unlimited medical.
- Pet owners who want phone and online claims should prefer WAS Insurance to LV=, with routes via phone, email and online.
- Budget planners who want to spread premiums should pick WAS Insurance over die Bayerische, as billing follows monthly.
Who should look elsewhere
- Drivers or homeowners who need auto or home cover should consider andsafe, as WAS Insurance covers travel and pet only.
- Shoppers wanting life, health or income protection should consider die Bayerische, which goes beyond travel and pet.
- Households wanting auto, home and life in one place should consider LV=, rather than the focused travel and pet.
Country by country
| Country | CHECK24 | WAS Insurance |
|---|---|---|
| Australia | No | Yes |
| Austria | Yes | No |
| 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.
WAS Insurance
Is WAS Insurance an insurer or a broker?+
WAS Insurance works as a broker based in Australia under the name Wiseandsilent Pty Ltd. That means it arranges cover rather than underwriting it directly, so you should read each policy for insurer details and terms.
How is WAS Insurance regulated in Australia?+
Australian oversight comes through ASIC under licence 536280 held by Wiseandsilent Pty Ltd. You can search the licence register before you buy, and keep policy documents for any later query about cover or claims.
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