Premium calculation · Third-party liability
Personal liability insurance
In our own estimate, the basic example costs from €89 to €115, depending on the company. From there, 5 tables with 19 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 17 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.
- Cover limit
- €100,000
- People in the household
- 3
- Pets
- None
- Your home
- Owned
- Postcode
- no postcode - the average of Greece
- The reference tier
- Family
- €89 - €115
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 |
|---|---|---|---|
| FamilyCovers you and your household. · the reference tier | €89Anytime | €115Allianz Ευρωπαϊκή Πίστη | +29%17 companies |
| With petsCovers your pet as well. | €102Anytime | €131Allianz Ευρωπαϊκή Πίστη | +28%17 companies |
| With household staffCovers your staff as well. | €114Anytime | €148Allianz Ευρωπαϊκή Πίστη | +30%17 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 × 0.67 to × 1.53 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| €50,000 | × 0.67 | × 0.82 |
| €100,000 | × 1.00 | × 1.00 |
| €300,000 | × 1.33 | × 1.18 |
| €500,000 and over | × 1.53 | × 1.28 |
From × 0.73 to × 1.12 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| one person | × 0.73 | × 0.86 |
| two people | × 0.88 | × 0.94 |
| three people | × 1.00 | × 1.00 |
| four people and over | × 1.12 | × 1.06 |
From × 1.00 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 | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| no pet | × 1.00 | × 1.00 |
| one pet | × 1.27 | × 1.14 |
| two or more | × 1.48 | × 1.26 |
From × 1.00 to × 1.18 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| owner | × 1.00 | × 1.00 |
| tenant | × 1.18 | × 1.10 |
From × 0.98 to × 1.10 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| Attica | × 1.10 | × 1.10 |
| Thessaloniki | × 1.06 | × 1.06 |
| Large cities | × 1.02 | × 1.02 |
| Rest of mainland Greece | × 1.00 | × 1.00 |
| Islands | × 0.98 | × 0.98 |
| Greece, national average | × 1.04 | × 1.04 |
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 the other party is at fault and its insurer refuses to pay. | - | €38Anytime | €49Allianz Ευρωπαϊκή Πίστη | +29%17 companies |
| Damage to a rented propertyThe damage you do to the house you rent: the washing machine flood, the kitchen fire. Without it the landlord takes it out of the deposit and chases you for the rest. | Covers your staff as well. | €25Anytime | €32Allianz Ευρωπαϊκή Πίστη | +28%17 companies |
| Liability for people who work in your homeIf the cleaner or the carer is injured inside your home. It is an accident at work and the liability is yours. | Covers your staff as well. | €30Anytime | €39Allianz Ευρωπαϊκή Πίστη | +30%17 companies |
| Bicycle and e-scooterThe damage you do to a pedestrian or a car with a bicycle or a scooter. The likeliest accident in a city filled with two-wheelers that carry no plate. For a scooter the law wants a policy that names its serial number, so ask whether this cover is enough. | Covers your pet as well.Covers your staff as well. | €11Anytime | €14Allianz Ευρωπαϊκή Πίστη | +27%17 companies |
| DroneDamage from a drone. The regulation requires it for some categories. | - | €14Anytime | €18Allianz Ευρωπαϊκή Πίστη | +29%17 companies |
Minimum premium: from €27 to €35 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.