Insurando Insurance Review
This comprehensive review examines Insurando AG, a Swiss technology company specializing in insurance comparisons. We'll delve into its history, services, pricing, customer support, and overall reputation to help you determine if it's the right platform for your insurance needs.
Overview
Insurando AG, initially established on April 11, 2019, in Bern, Switzerland, has since relocated to Zurich. The company's journey involved a name change to esurando AG in 2020, before reverting back to Insurando AG in 2024. Its primary focus is on providing free, independent comparisons of insurance products to Swiss consumers, empowering them to make informed decisions about their coverage.
Regulatory Compliance and Licenses
Insurando AG operates with transparency and adheres to Swiss regulations. Key identifying details include its UID/VAT number (CHE-398.994.674), Commercial Register Number (CH-036.3.077.333-9), and legal form as a Company limited by shares (AG).
Insurance Products and Services
Main Insurance Products
Insurando AG primarily offers comparison services for various insurance types. Its core offerings include:
- Home Contents Insurance: Facilitates finding the most affordable home contents insurance options available in Switzerland. This comparison tool helps consumers identify plans that best fit their budget and coverage requirements.
- Personal Liability Insurance: Provides a clear comparison of current premiums for personal liability insurance, enabling consumers to choose the plan that suits their needs and risk profile.
- Other Insurance Products: Insurando extends its services to a broader range of insurance products, tailoring its comparisons to meet the specific demands of individual consumers.
Coverage Options and Policy Details: Insurando's commitment to transparency ensures that users understand critical aspects of each policy. Their comparisons highlight essential details, including notice periods, deductibles, and potential coverage gaps, which are often overlooked. While the policy details themselves are sourced from the respective insurance providers, Insurando's platform facilitates easy access to the complete terms and conditions.
Additional Services
While Insurando’s core service is comparison, there are indications of additional support. The comprehensive nature of their insurance comparisons suggests a degree of implicit financial advisory, although this is not explicitly advertised. Retirement planning is not a stated service, but their long-term focus on insurance solutions could indirectly assist consumers in this area. Critically, Insurando provides practical support with sample letters and templates for both cancellations and claims, offering valuable assistance in navigating these processes.
Premiums and Pricing
Pricing Structure
Insurando's service is free for consumers. Their value lies in providing a neutral and independent comparison of premiums from various insurance providers in Switzerland. This comparative analysis allows users to readily identify potential cost savings and select policies that offer the best value for their needs. The platform's analysis also benchmarks the presented premiums against industry averages, offering additional context for users' decision-making.
Discounts and Special Offers
While Insurando itself doesn't directly offer discounts or promotions, the underlying insurance providers often include them. Common discounts such as multi-policy discounts (bundling multiple insurance products), safe driver discounts (for car insurance), and loyalty rewards (for long-term policy holders) are frequently available through the insurers featured on the Insurando platform, although these are dependent on individual insurer policies and not directly controlled by Insurando.
Customer Service and Support
Contact Methods
Insurando’s customer support is primarily delivered through email ([email protected]). While phone and live chat support are not explicitly mentioned on their website, such channels are typical for online services of this kind and future development may see these introduced.
24/7 Support and Multilingual Assistance: Currently, Insurando doesn't advertise 24/7 support or multilingual assistance. This may be an area for future development, especially considering Switzerland's multilingual nature. The current email support is likely sufficient for the majority of queries given their focus on clear and readily available information through their website.
Pros and Cons of Insurando Insurance
Pros
- Competitive Premiums: Insurando’s core strength lies in its ability to help consumers find competitive insurance premiums by providing a transparent and unbiased comparison across multiple providers.
- Comprehensive Coverage: By highlighting crucial policy details such as notice periods, deductibles, and potential coverage gaps, Insurando ensures consumers are fully aware of the terms and conditions, leading to more informed choices.
Cons
- Limited Services: Insurando focuses primarily on insurance comparisons. Unlike full-service insurance brokers, they don't directly sell policies or offer extensive additional services like financial advisory or retirement planning.
- Data Security: While Insurando has a privacy policy outlining data handling practices, more detailed information regarding specific security measures and certifications would enhance transparency and build user trust.
Conclusion
Insurando AG provides a valuable service to Swiss consumers seeking insurance. Its strong focus on providing free, independent comparisons of insurance benefits and premiums empowers users to make informed decisions based on their specific needs and budget. Its commitment to transparency by highlighting potential coverage gaps and policy details is commendable. However, users should be aware of the limited additional services offered compared to full-service insurance brokers. While the website provides a significant level of clarity, more comprehensive explanations of data security protocols would strengthen overall user confidence.
Frequently Asked Questions about Insurando Insurance
While Insurando doesn't have a dedicated FAQ section on their website, most common questions concerning their policies, services, and claims procedures can be addressed through a careful review of the information provided on their website or by directly contacting them via email. The transparency of their comparison service and readily accessible policy information minimizes potential ambiguity, ensuring that consumers can access the details they need to make confident decisions.
References
- [1] https://www.moneyhouse.ch/en/company/esurando-ag-15643465131
- [2] https://insurando.ch/en/about-us/
- [3] https://www.swissmadesoftware.org/en/companies/insurando-ag/home.html
- [4] https://insurando.ch/en/home-building/
- [5] https://insurando.ch/en/privacy-policy/
