Premium calculation · Vehicles
E-scooter insurance
In our own estimate, the basic example costs from €59 to €79, depending on the company. From there, 2 tables with 10 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 9 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.
- Rider's age
- 32
- Scooter value (€)
- 600
- Postcode
- no postcode - the average of Greece
- The reference tier
- Third-party liability
- €59 - €79
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 the damage you do to others. · the reference tier | €59Hellas Direct | €79Allianz Ευρωπαϊκή Πίστη | +34%9 companies |
| With personal accidentCovers you as well. | €82Hellas Direct | €112Allianz Ευρωπαϊκή Πίστη | +37%9 companies |
| With theftCovers the scooter itself as well. | €153Hellas Direct | €196Allianz Ευρωπαϊκή Πίστη | +28%9 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 × 0.94 to × 1.56 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 |
|---|---|---|
| 17 | × 1.56 | × 1.28 |
| 18 - 24 | × 1.19 | × 1.10 |
| 25 - 44 | × 1.00 | × 1.00 |
| 45 and over | × 0.94 | × 0.97 |
From × 0.85 to × 1.60 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 | × 1.60 | × 1.60 |
| Thessaloniki | × 1.15 | × 1.15 |
| Large cities | × 1.30 | × 1.30 |
| Rest of mainland Greece | × 1.00 | × 1.00 |
| Islands | × 0.85 | × 0.85 |
| Greece, national average | × 1.26 | × 1.26 |
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 |
|---|---|---|---|
| Theft of and damage to the scooter: 8.3% of €600on €600 | Covers the scooter itself as well. | 83.25‰€50 · Hellas Direct | 96.75‰€58 · Allianz Ευρωπαϊκή Πίστη |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Legal protectionA lawyer at the expense of the company, when it is disputed who is at fault in a collision with a car. | - | €9Hellas Direct | €12Allianz Ευρωπαϊκή Πίστη | +33%9 companies |
| Help after an accidentTransport for you and the scooter after a fall. Without it, you go home in a taxi holding a broken scooter. | - | €12Hellas Direct | €16Allianz Ευρωπαϊκή Πίστη | +33%9 companies |
Minimum premium: from €29 to €39 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.