Premium calculation · Vehicles
Trailer and caravan insurance
In our own estimate, the basic example costs from €34 to €46, depending on the company. From there, 3 tables with 8 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 4 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.
- What you tow
- Utility trailer
- Maximum weight (kg)
- 1,000
- Wheels
- Two
- Value today (€)
- 3,000
- The reference tier
- Third-party liability
- €34 - €46
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 liabilityThe damage the trailer does to others. · the reference tier | €34Hellas Direct | €46Allianz Ευρωπαϊκή Πίστη | +35%4 companies |
| With fireAdds fire and natural events. | €53Hellas Direct | €69Allianz Ευρωπαϊκή Πίστη | +30%4 companies |
| With theftAdds theft as well. | €73Hellas Direct | €91Allianz Ευρωπαϊκή Πίστη | +25%4 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 × 1.00 to × 1.40 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 |
|---|---|---|
| utility trailer | × 1.00 | × 1.00 |
| boat trailer | × 1.00 | × 1.00 |
| caravan | × 1.40 | × 1.20 |
From × 0.76 to × 1.24 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 750 kg | × 0.76 | × 0.88 |
| 751 - 1,500 kg | × 1.00 | × 1.00 |
| 1,501 - 3,500 kg | × 1.24 | × 1.12 |
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 | Hellas Direct | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| two wheels | × 1.00 | × 1.00 |
| four wheels | × 1.48 | × 1.24 |
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 |
|---|---|---|---|
| Fire: 0.3% of €3,000on €3,000 | Adds fire and natural events., Adds theft as well. | 3.24‰€10 · Hellas Direct | 3.76‰€11 · Allianz Ευρωπαϊκή Πίστη |
| Natural events: 0.3% of €3,000on €3,000 | Adds fire and natural events., Adds theft as well. | 3.24‰€10 · Hellas Direct | 3.76‰€11 · Allianz Ευρωπαϊκή Πίστη |
| Theft: 0.6% of €3,000on €3,000 | Adds theft as well. | 6.48‰€19 · Hellas Direct | 7.52‰€23 · 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 for the dispute after an accident with the trailer. | - | €7Hellas Direct | €9Allianz Ευρωπαϊκή Πίστη | +29%4 companies |
| Roadside assistance for the trailerThe roadside assistance of the car often does not carry the trailer or the caravan. This one does. | - | €13Hellas Direct | €17Allianz Ευρωπαϊκή Πίστη | +31%4 companies |
Minimum premium: from €26 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.