Premium calculation · Vehicles

E-scooter insurance

The reference case costs from €47 to €63 depending on the company. From there, 2 tables with 10 bands in all raise or lower the price - the same steps at every company, a different height.

8companies in the model

2factor tables

47 – €63the basic example, from the cheapest estimate to the dearest

2optional covers

The reference case

Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.

Rider's age: 32
Scooter value (€): 600
Postcode: no postcode: the rural mainland

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	€47Hellas Direct	€63Allianz Ευρωπαϊκή Πίστη	+34%8 companies
With personal accidentCovers you as well.	€65Hellas Direct	€89Allianz Ευρωπαϊκή Πίστη	+37%8 companies
With theftCovers the scooter itself as well.	€122Hellas Direct	€156Allianz Ευρωπαϊκή Πίστη	+28%8 companies

The factors

The same bands at every insurer, different 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.

Age Hellas DirectAllianz Ευρωπαϊκή Πίστη

From × 0.94 to × 1.56 along the scale. Click a band or drag the control.

× 1,00

× 1.56× 1.28

15 – 17

× 1.19× 1.10

18 – 24

× 1.00× 1.00

25 – 44

× 0.94× 0.97

45 and over

Try it: 25 – 44

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

Band	Hellas Direct	Allianz Ευρωπαϊκή Πίστη
15 – 17	× 1.56	× 1.28
18 – 24	× 1.19	× 1.10
25 – 44	× 1.00	× 1.00
45 and over	× 0.94	× 0.97

Region Hellas DirectAllianz Ευρωπαϊκή Πίστη

From × 0.85 to × 1.60 along the scale. Click a band or drag the control.

× 1,00

× 1.60× 1.60

Attica

× 1.15× 1.15

Thessaloniki

× 1.30× 1.30

Large cities

× 1.00× 1.00

Rest of mainland Greece

× 0.85× 0.85

Islands

× 1.26× 1.26

Greece, national average

Try it: Rest of mainland Greece

× 1.00 ±0 € × 1.00 ±0 €

The table behind the figure

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 declared sums

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% on €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 company's expense. On e-scooters it matters more than it seems: fault in a collision with a car is almost always disputed.	-	€9Hellas Direct	€12Allianz Ευρωπαϊκή Πίστη	+33%8 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%8 companies

Minimum premium: from €29 to €39 depending on the company. No price falls below its own.