Third-party motor insurance
The law says you must have it. For the same car, quotes often differ by a hundred euro a year — and above all in whether you get towing and a courtesy car.
from €62 a yearInsurance brokers since 2014
A policy only counts when something happens.
We compare what insurers offer — not just the price, but what they actually cover and where the exclusions are. And when you make a claim, we deal with the insurer, not you.
11years in business
14insurers compared
1,900+clients
€0claims handling
What we insure
Five areas and one extra
We arrange insurance for people and for businesses. The extra is claims handling — and it's exactly why people come back to us a second time.
Comprehensive cover
Your own damage, theft, storms and animal collisions. For a car under five years old it's almost always worth it; for an older one we'll work it out — and sometimes talk you out of it.
from €210 a yearHouse, apartment and contents
This is where we most often find underinsurance — a sum insured from 2010 isn't enough for even half a repair today. We recalculate it at today's building costs.
from €78 a yearBusinesses and the self-employed
Property, business interruption, public liability and professional indemnity. With businesses, the most important thing is setting the right limits.
depending on the extentPersonal liability
The cheapest policy that makes the most sense. For a few euro a month it covers damage you cause to someone else — from flooding the neighbours to knocking down a cyclist.
from €24 a yearClaims
Reporting the claim, the assessment, dealing with the loss adjuster and appealing when the insurer pays out less. For our clients it costs nothing.
€0Compare
Not the cheapest — the best fit
Enter the details and you'll see three sample quotes side by side. Notice that they don't differ only in price: the difference is usually in the breakdown cover, the excess and what's excluded.
What we insure
Claim-free years
Add to it
The rates in the comparison are made up and are only there to demonstrate the feature. Real prices depend on dozens of factors that insurers assess individually — we'll request exact quotes for you and send them within one working day.
When something happens
We handle the claim
This is work we don't charge our clients anything for — and it's also the one moment that shows whether the policy was set up well.
You call straight away
After an accident, call us before the insurer. We'll tell you what to photograph and what not to sign — the accident report is often decisive and can't be corrected afterwards.
at weekends tooWe report it and send the paperwork
We fill in the claim form, send the supporting documents and arrange the assessment. You supply the photos and documents; the rest is up to us.
within 24 hWe keep track of deadlines
The insurer has deadlines for settling a claim. When it misses them, we chase it up — otherwise the client would only find out after months of silence.
30 daysWe appeal when they pay out less
Roughly one claim in seven comes back reduced. Some of that is justified and some isn't — and we know the difference, because we set up the policy.
€0 for clientsPrices
How you pay us
The short answer: you don't. The long answer is below and worth reading, because it also covers where a conflict of interest comes in.
| Service | How to pay | How much |
|---|---|---|
| Comparing quotesfrom 14 insurers, with the differences explained | for a comparison | €0 |
| Taking out a policythe insurer pays us commission; the premium is the same as buying direct | commission | from the insurer |
| Reviewing existing policiesincluding ones you took out elsewhere | for a review | €0 |
| Handling a claimreporting, paperwork, chasing up | per claim | €0 |
| Appealing a reduced settlementincluding an expert assessment | per appeal | €0 |
| Annual review of sums insuredso you don't end up underinsured | a year | €0 |
| Advice onlywhen you just want an opinion and will take out the policy yourself | per hour | €50 |
How it works
Four steps to a better policy
Send us what you have
A photo of your policy, or just the policy number, is enough. We'll pull up the terms and read them — including the small print.
We compare
Not just the price. We also show the differences in cover, excess and exclusions, because that's what decides whether a policy pays out when you claim.
We explain and recommend
With reasons. If your current policy is better than anything new, we'll say so — it happens a lot with older policies.
We switch, or leave it
If you switch, we handle cancelling the old policy and keep an eye on the dates. You sign the new one electronically, with no need to go anywhere.
FAQ
What you ask us most often
Is insurance through a broker dearer?
No. The premium is the same as if you bought directly from the insurer — the insurer pays the commission out of its own margin, not you on top. The difference is that when you claim, you have someone to handle it for you.
How do I know you won't recommend whatever pays you the most commission?
You can't check that, and it's a real conflict of interest for every broker. That's why, on request, we tell you the commission on every quote, and we always show a cheaper option too, explaining what it lacks. The decision is yours.
What is underinsurance, and why do you keep talking about it?
If your house is insured for €90,000 and rebuilding it today costs €180,000, the insurer will only pay half of any claim — even a small one. It's the most common reason for reduced settlements that we see. That's why we recalculate the sum insured once a year.
Is comprehensive cover worth it for a ten-year-old car?
Usually not. The insurer pays out up to the market value of the car, which is low for an old car, while the premium stays the same. We'll work it out for your case — and if it doesn't add up, we'll tell you, even though we won't earn anything from it.
Can I switch insurer at any time?
You can switch at renewal. Your insurer has to send you the renewal notice at least 20 working days before the renewal date — we keep track of it for you and get in touch a month ahead. Buying a car or a change in your circumstances can also be a reason to switch mid-term.
Do you handle claims for people insured elsewhere?
We'll advise anyone who calls, and the basics are free. We only handle claims from start to finish for clients whose policies are with us — with someone else's policy we don't have access to the documents and can't act for the client.
Contact
Get in touch
Send us what you have now — a photo of your policy is enough. We'll compare it and tell you whether it's worth switching. It usually takes a day.
- Office41 Main Street, Anytown
- OpenMon – Fri 8:30 – 17:00
The business's phone and email are left out on purpose — this is an example website of a made-up business and we don't want anyone calling or writing to a stranger's number. A real website would show your contact details here. If you'd like a website like this, write to apoliak@apoliak.online.