Premium calculation · Vehicles
Car insurance
In our own estimate, the basic example costs from €212 to €293, depending on the company. From there, 7 tables with 41 bands in all raise or lower the price: the same steps at every company, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 19 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Engine size
- 1,400
- Year of first registration
- 2015
- Value today (€)
- 6,000
- Driver's age
- 42
- Years licensed
- 20
- Postcode
- no postcode - the average of Greece
- Last at-fault claim
- 10+ years ago or never
- Vehicles in the household
- One
- The reference tier
- Third-party liability
- €212 - €293
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| Third-party liabilityCovers only what the law asks. · the reference tier | €212Hellas Direct | €293Allianz Ευρωπαϊκή Πίστη | +38%19 companies |
| With some extrasAdds theft, fire and broken glass. | €373Hellas Direct | €515Allianz Ευρωπαϊκή Πίστη | +38%19 companies |
| Fully comprehensiveIncludes damage to your own car as well. | €527Hellas Direct | €702Allianz Ευρωπαϊκή Πίστη | +33%19 companies |
The factors
Every insurer has the same bands, but its own coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.74 to × 1.80 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 900 cc | × 0.74 | × 0.87 |
| 901 - 1,200 cc | × 0.81 | × 0.90 |
| 1,201 - 1,400 cc | × 1.00 | × 1.00 |
| 1,401 - 1,600 cc | × 1.11 | × 1.06 |
| 1,601 - 1,800 cc | × 1.22 | × 1.11 |
| 1,801 - 2,000 cc | × 1.32 | × 1.16 |
| 2,001 - 2,500 cc | × 1.56 | × 1.28 |
| over 2,500 cc | × 1.80 | × 1.40 |
From × 0.89 to × 1.00 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| new, up to 2 years old | × 0.89 | × 0.94 |
| 3 - 5 years old | × 1.00 | × 1.00 |
| 6 - 9 years old | × 1.00 | × 1.00 |
| 10 - 14 years old | × 1.00 | × 1.00 |
| 15 - 19 years old | × 0.97 | × 0.98 |
| 20 years and older | × 0.94 | × 0.97 |
From × 0.97 to × 2.12 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| 18 - 22 | × 2.12 | × 1.56 |
| 23 - 24 | × 1.48 | × 1.24 |
| 25 - 29 | × 1.19 | × 1.10 |
| 30 - 39 | × 1.05 | × 1.02 |
| 40 - 54 | × 1.00 | × 1.00 |
| 55 - 69 | × 0.97 | × 0.98 |
| 70 - 74 | × 1.16 | × 1.08 |
| 75 and over | × 1.48 | × 1.24 |
From × 1.00 to × 1.32 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| under 1 year | × 1.32 | × 1.16 |
| 1 - 2 years | × 1.16 | × 1.08 |
| 3 - 4 years | × 1.06 | × 1.03 |
| 5 - 9 years | × 1.02 | × 1.01 |
| 10 years and over | × 1.00 | × 1.00 |
From × 0.85 to × 1.45 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Attica | × 1.45 | × 1.45 |
| Thessaloniki | × 1.07 | × 1.07 |
| Large cities | × 1.07 | × 1.07 |
| Rest of mainland Greece | × 1.00 | × 1.00 |
| Islands | × 0.85 | × 0.85 |
| Greece, national average | × 1.16 | × 1.16 |
From × 0.95 to × 1.48 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| within the last year | × 1.48 | × 1.24 |
| 1 - 2 years ago | × 1.24 | × 1.12 |
| 3 - 4 years ago | × 1.10 | × 1.05 |
| 5 - 9 years ago | × 1.00 | × 1.00 |
| 10+ years ago or never | × 0.95 | × 0.98 |
From × 0.90 to × 1.00 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| one vehicle | × 1.00 | × 1.00 |
| two vehicles in the same household | × 0.94 | × 0.97 |
| three or more vehicles | × 0.90 | × 0.95 |
Rates on the sums insured
Whatever is priced on a sum you declare, the value, the building, the capital, enters the price before the factors.
| Cover | In tiers | Cheapest | Dearest |
|---|---|---|---|
| Damage to your own vehicle: 2% of €6,000on €6,000 | Includes damage to your own car as well. | 20.35‰€122 · Hellas Direct | 23.65‰€142 · Allianz Ευρωπαϊκή Πίστη |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Roadside assistanceThey come to get you when you break down - not only after an accident, but also with a flat battery or a puncture, if the policy says so. | - | €24Hellas Direct | €32Allianz Ευρωπαϊκή Πίστη | +33%19 companies |
| Broken glassThe windscreen and the windows of the car, when they break, for example from a stone on the motorway. | Adds theft, fire and broken glass.Includes damage to your own car as well. | €26Hellas Direct | €35Allianz Ευρωπαϊκή Πίστη | +35%19 companies |
| FireThe car burns, from its own short circuit, from the vehicle next to it, or from a wildfire passing through. In Greece we see the third every summer. | Adds theft, fire and broken glass.Includes damage to your own car as well. | €25Hellas Direct | €33Allianz Ευρωπαϊκή Πίστη | +32%19 companies |
| Total theftThey pay the current market value if the car is not found. The current value, not what you paid for it. | Adds theft, fire and broken glass.Includes damage to your own car as well. | €66Hellas Direct | €90Allianz Ευρωπαϊκή Πίστη | +36%19 companies |
| Bad weatherFlood, hail, a fallen tree, a storm surge. | Adds theft, fire and broken glass.Includes damage to your own car as well. | €34Hellas Direct | €46Allianz Ευρωπαϊκή Πίστη | +35%19 companies |
| Legal protectionA lawyer at the expense of the company when the other party is at fault and its insurer refuses to pay. | Adds theft, fire and broken glass.Includes damage to your own car as well. | €9Hellas Direct | €12Allianz Ευρωπαϊκή Πίστη | +33%19 companies |
| Driver accidentThird-party liability covers whoever you hit, not you. This covers you, if you are at fault. | Adds theft, fire and broken glass.Includes damage to your own car as well. | €10Hellas Direct | €14Allianz Ευρωπαϊκή Πίστη | +40%19 companies |
| Replacement carThey give you a vehicle while yours is in the workshop. It makes sense if the car is how you get to work and there is no second one. | - | €54Μινέττα Ασφαλιστική | €63Allianz Ευρωπαϊκή Πίστη | +17%8 companies |
Minimum premium: from €94 to €127 depending on the company. No price falls below its own.
Instalments: in two halves the year costs 7% to 8% more, and in four quarters 14% to 16%, by company.