Premium calculation · Business
Tourist accommodation insurance
The reference case costs from €494 to €564 depending on the company. From there, 5 tables with 23 bands in all raise or lower the price - the same steps at every company, a different height.
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.
- Type of accommodation
- Rooms or apartments to let
- Rooms
- 10
- Building value
- 450,000
- Equipment value
- 90,000
- Season's turnover
- €100,001 – 300,000
- Year built
- 2,005
- Pool
- Pool
- 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 |
|---|---|---|---|
| Fire and liabilityCovers fire and your liability to guests. | €388INTERASCO | €444Allianz Ευρωπαϊκή Πίστη | +14%13 companies |
| With theft and waterAdds theft, water damage and things that fail on their own. · the reference tier | €494INTERASCO | €564Allianz Ευρωπαϊκή Πίστη | +14%13 companies |
| With earthquake and loss of profitAdds earthquake and the season you lose. | €1,224INTERASCO | €1,384Allianz Ευρωπαϊκή Πίστη | +13%13 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.
From × 0.84 to × 1.26 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Rooms or apartments to let | × 1.00 | × 1.00 |
| Villa or holiday house | × 1.05 | × 1.03 |
| Campsite or glamping | × 0.84 | × 0.90 |
| Hotel, up to 3 stars | × 1.13 | × 1.08 |
| Hotel of 4 – 5 stars, or resort | × 1.26 | × 1.16 |
From × 0.95 to × 1.16 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 5 rooms | × 0.95 | × 0.97 |
| 6 – 15 rooms | × 1.00 | × 1.00 |
| 16 – 40 rooms | × 1.05 | × 1.03 |
| 41 – 100 rooms | × 1.10 | × 1.06 |
| more than 100 rooms | × 1.16 | × 1.10 |
From × 0.90 to × 1.31 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| after 2000 | × 0.90 | × 0.94 |
| 1985 – 2000 | × 1.00 | × 1.00 |
| 1960 – 1985 | × 1.16 | × 1.10 |
| before 1960 | × 1.31 | × 1.19 |
From × 1.00 to × 1.21 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| no pool | × 1.00 | × 1.00 |
| with a pool | × 1.10 | × 1.06 |
| pool and spa or waterslides | × 1.21 | × 1.13 |
From × 1.00 to × 1.00 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Attica | × 1.00 | × 1.00 |
| Thessaloniki | × 1.00 | × 1.00 |
| Large cities | × 1.00 | × 1.00 |
| Rest of mainland Greece | × 1.00 | × 1.00 |
| Islands | × 1.00 | × 1.00 |
| Greece, national average | × 1.00 | × 1.00 |
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 |
|---|---|---|---|
| Building, 0.1% on €450,000on €450,000 | Covers fire and your liability to guests., Adds theft, water damage and things that fail on their own., Adds earthquake and the season you lose. | 0.72‰€324 · INTERASCO | 0.81‰€363 · Allianz Ευρωπαϊκή Πίστη |
| Equipment, 0.1% on €90,000on €90,000 | Adds theft, water damage and things that fail on their own., Adds earthquake and the season you lose. | 0.96‰€86 · INTERASCO | 1.08‰€97 · Allianz Ευρωπαϊκή Πίστη |
| Earthquake, 0.1% on €540,000on €540,000 | Adds earthquake and the season you lose. | 0.96‰€518 · INTERASCO | 1.08‰€581 · Allianz Ευρωπαϊκή Πίστη |
| Loss of profit, 0.1% on €200,000on €200,000 | Adds earthquake and the season you lose. | 0.96‰€192 · INTERASCO | 1.08‰€215 · Allianz Ευρωπαϊκή Πίστη |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Guests' propertyYour guests' luggage, valuables and equipment, in the room and in the safe at reception. The hotelier is liable for them by law, insured or not. | Adds earthquake and the season you lose. | €87INTERASCO | €109Allianz Ευρωπαϊκή Πίστη | +25%13 companies |
| Food poisoningYour liability if guests are made ill by the food or the water. A mass outbreak at an all-inclusive hotel is the most expensive liability claim this line sees, because it arrives from a hundred people at once. | - | €152INTERASCO | €190Allianz Ευρωπαϊκή Πίστη | +25%13 companies |
| Employer's liabilityAn accident at work to your staff - the kitchen, housekeeping, maintenance - for which you are liable beyond what the state fund pays. In seasonal trading, with new staff every May, it is the cover that earns its keep. | - | €129INTERASCO | €161Allianz Ευρωπαϊκή Πίστη | +25%13 companies |
| Money on the premisesThe cash at reception, in the safe and on the way to the bank. A small sum, and the only cover that answers for robbery rather than break-in. | Adds theft, water damage and things that fail on their own.Adds earthquake and the season you lose. | €41INTERASCO | €52Allianz Ευρωπαϊκή Πίστη | +27%13 companies |
| Data breachThe costs and the fines if guest details or card numbers leak from the booking system. Accommodation holds passports, addresses and cards, which is exactly what the GDPR asks to be protected. | - | €175INTERASCO | €218Allianz Ευρωπαϊκή Πίστη | +25%13 companies |
| Terrorism and civil commotionDamage from a terrorist act, civil commotion or malicious damage. It is excluded from the base policy almost always, and asked for in the contract by most foreign tour operators. | - | €110INTERASCO | €138Allianz Ευρωπαϊκή Πίστη | +25%13 companies |
Minimum premium: from €64 to €81 depending on the company. No price falls below its own.