🛡️ Rating system

Scoring: insurance comparison

This is how we rate insurance. The focus is on cover, price and claims handling.

Maximum score: 100

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Magnifying glass over a shield

Category	Criterion	Points breakdown	Max. points
Scope of cover	Coverage amount / sum insured	• Very high / unlimited = full points • Above average = 12 points • Industry standard = 8 points • Below average = 3 points	17
	Risks covered	• Comprehensive (beyond standard) = full points • All the essentials = 8 points • Basic = 4 points	12
	Exclusions / restrictions	• Very few = full points • Industry standard = 4 points • Many exclusions = 0 points	8
Costs	Value for money	• Very cheap with top performance = full points • Reasonable = 8 points • Expensive = 3 points	12
	Excess	• None or very low = full points • Moderate (≤ €150) = 4 points • High = 0 points	6
	Discounts available	• Yes (family, annual payment etc.) = 3 points • No = 0 points	3
Claims handling	Claim processing time	• < 5 working days = full points • 5–10 working days = 5 points • 11–20 working days = 2 points • > 20 working days = 0 points	8
	Online claims reporting	• Yes, fully digital = full points • Partly = 2 points • By post only = 0 points	4
	24/7 claims hotline	• Yes = 3 points • No = 0 points	3
Flexibility	Contract term	• Cancellable monthly = full points • 1 year = 3 points • > 1 year = 0 points	5
	Plan adjustment possible	• At any time = 3 points • At year end = 1 point • Not possible = 0 points	3
	Family plan / partner cover	• Yes, at no extra cost = full points • Yes, with discount = 2 points • No = 0 points	4
Customer service & reputation	Customer reviews	• ≥ 4.5 stars = full points • ≥ 4 stars = 4 points • ≥ 3.5 stars = 2 points • < 3.5 stars = 0 points	6
	Support availability	• Phone + chat + email = full points • Phone + email = 3 points • Email only = 1 point	4
	App for management	• Yes, high quality = 3 points • Yes, basic = 1 point • No = 0 points	3
	Financial strength of the insurer	• Very good (A+ rating) = full points • Good = 1 point • Unknown/weak = 0 points	2
Total points:			100

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Checklist with an umbrella