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Industry report · Data as of 1. August 2026

Insurance

AI models recommend MOTOR 7 times in this vertical, but the brand does not appear in classic web search.

CHECK24 is the most frequently cited brand by AI assistants and also achieves the highest average rank among these top brands in classic web search. While AI coverage for comparison portals and consumer media is predominantly neutral, direct insurance providers generate more varied sentiment. CosmosDirekt stands out in this regard, receiving positive mentions in the majority of its AI citations compared to the neutral baseline of other brands.

15 Queries Sample: 195 AI models: ChatGPT, Claude, Gemini, Perplexity

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What stands out in this industry

Achtung.app derives every observation directly from the collected numbers. It describes visibility in AI answers, not product quality.

  • Channel consensus

    6 of 10 top brands appear in both channels. The others are named only by AI or only in classic web search.

  • Leader in both channels

    CHECK24 is the most-cited brand in AI answers and is also prominent in classic web search.

  • Largest channel asymmetry

    HUK24 is named 13× in AI answers and appears 1× in classic web search. AI models weight the brand more heavily than Google does.

  • Single provider dominant

    Stiftung Warentest gets 81 % of its AI mentions from a single model (Perplexity). The other providers rarely name the brand.

  • Web search only

    36 domains appear in classic web search but are named by no AI model. Mostly comparison portals, trade media, and established industry sites.

  • Stability

    2 % of AI mentions are stable. The others may be missing on the next query; reproducible visibility cannot be taken for granted.

The 10 most visible brands in AI answers

Ranked by AI prominence, a consolidated 0–100 visibility score: how often a brand is named, across how many AI models, at what position, and in what sentiment. Two further factors (recommendation strength, momentum) cannot be measured here and remain hidden. How the score is calculated

# Brand Prominence
1 ↑2 CHECK24
check24.de
 69.3
2 ↓1 Allianz
allianz.de
 64.5
3 ↑6 PKV
pkv.de
 55.9
4 ↑1 Finanztip
finanztip.de
 55.7
5 ↑2 VERIVOX
verivox.de
 54.1
6 ↓4 Huk24
huk24.de
 50.9
7 New Tarifcheck
tarifcheck.de
 50.9
8 New HUK-COBURG
huk.de
 48.8
9 ↓1 Bundesgesundheitsministerium
bundesgesundheitsministerium.de
 45.9
10 AXA
axa.de
 45.0

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Past measurements

How the current top brands ranked across previous measurement cycles. Achtung.app re-collects each industry report monthly and keeps earlier snapshots archived.

Brand July 2026 Current
CHECK24
check24.de
 #3 #1
Allianz
allianz.de
 #1 #2
PKV
pkv.de
 #9 #3
Finanztip
finanztip.de
 #5 #4
VERIVOX
verivox.de
 #7 #5
Huk24
huk24.de
 #2 #6
Tarifcheck
tarifcheck.de
 – #7
HUK-COBURG
huk.de
 – #8
Bundesgesundheitsministerium
bundesgesundheitsministerium.de
 #8 #9
AXA
axa.de
 #10 #10

– = not in the top 10 of that measurement cycle.

Same brands, different visibility

Brands present in both channels, normalized to the per-channel peak and sorted by asymmetry. A long AI bar next to a short web-search bar means the brand is named disproportionately often by AI models even though it barely appears in organic web-search results. The reverse holds too.

AI citations Classic web search
HUK-COBURG
huk.de
CosmosDirekt
cosmosdirekt.de
Huk24
huk24.de
PKV
pkv.de
Handelsblatt
handelsblatt.com
Gvv-Direkt
gvv-direkt.de
DEVK
devk.de
VHV Versicherungen
vhv.de
Bundesgesundheitsministerium
bundesgesundheitsministerium.de
AXA
axa.de

Normalized per channel to the peak · sorted by |Δ|

ChatGPT citations Classic web search
CHECK24
check24.de
AXA
axa.de
Versicherungsriese
versicherungsriese.de
Finanztip
finanztip.de
CosmosDirekt
cosmosdirekt.de
HUK-COBURG
huk.de
Huk24
huk24.de
Allianz
allianz.de
DEVK
devk.de
PKV
pkv.de

Normalized per channel to the peak · sorted by |Δ|

Claude citations Classic web search
Allianz
allianz.de
VERIVOX
verivox.de
PKV
pkv.de
Bundesgesundheitsministerium
bundesgesundheitsministerium.de
ERGO
ergo.de
Nuernberger
nuernberger.de
Tarifcheck
tarifcheck.de
AXA
axa.de
Swiss Life
swisslife.de
Bu-Portal24
bu-portal24.de

Normalized per channel to the peak · sorted by |Δ|

Gemini citations Classic web search
Huk24
huk24.de
PKV
pkv.de
Bundesgesundheitsministerium
bundesgesundheitsministerium.de
Finanztip
finanztip.de
HUK-COBURG
huk.de
Tarifcheck
tarifcheck.de
Allianz
allianz.de
CosmosDirekt
cosmosdirekt.de
ADAC
adac.de
Stiftung Warentest
test.de

Normalized per channel to the peak · sorted by |Δ|

Perplexity citations Classic web search
Handelsblatt
handelsblatt.com
CosmosDirekt
cosmosdirekt.de
HUK-COBURG
huk.de
Stiftung Warentest
test.de
Finanztip
finanztip.de
Huk24
huk24.de
DEVK
devk.de
VHV Versicherungen
vhv.de
PKV
pkv.de
ERGO
ergo.de

Normalized per channel to the peak · sorted by |Δ|

AI top 10 vs. web-search top 10

On the left, the brands named most often in AI answers; on the right, the brands most visible in classic web-search results. Pink lines connect brands that appear in both top-10 lists.

4 AI only 6 in both 4 web search only

AI top 10 · Top 5
Web-search top 10 · Top 5

stable Brands that appear in at least two of three model runs per query.

Where web search and AI diverge

Brands only one of the two channels knows. For one side that is a gap in AI visibility, for the other a gap in classic web search.

Visible in web search, absent from AI answers

Brand Web hits
Krankenkassen vergleichen
krankenkassen.de
 2
Verbraucherzentrale
verbraucherzentrale.de
 2
Finanzfluss
finanzfluss.de
 2
Alte Leipziger
alte-leipziger.de
 2
Kfz
hannoversche.de
 2

Visible in AI answers, absent from web search

Brand AI mentions
GKV-Spitzenverband
gkv-spitzenverband.de
 8
Motor
motor.com
 7
Evb-Sofort
evb-sofort.com
 6
Hellogetsafe
hellogetsafe.com
 6
ARAG Versicherung
arag.de
 5

One-off hits are excluded: a brand appears here from two mentions in the respective channel onwards. GEO gap in the glossary

How stable are the AI mentions?

AI models do not answer deterministically. Achtung.app runs every query multiple times per model and measures how reliably a brand is named.

Classification Brands
Stable
appears reliably in ≥ 2 of 3 runs
 2
Borderline
appears in 1 of 3 runs; plan for it with care
 4
Drift
appears only sporadically; may be missing on the next run
 89

Based on 95 brands with a recorded run consistency. Run consistency in the glossary

The queries Achtung.app tracked

15 brand-free queries, each put to every AI model and to classic web search.

Query AI top
private krankenversicherung kosten CHECK24 2×
private krankenversicherung vergleich CHECK24 4×
private krankenversicherung nachteile private Krankenversicherung (PKV) 12×
kfz-versicherung wechseln axa.de 2×
kfz-versicherung günstig HUK24 8×
kfz-versicherung online Motor.com.de 3×
haftpflichtversicherung wohnung versicherungscheck24.de 3×
haftpflichtversicherung steuerlich absetzbar axa.de 3×
berufsunfähigkeitsversicherung sinnvoll Allianz 3×
versicherung vergleichen sparen kfzvergleich.app 3×
haftpflichtversicherung vergleich HUK-COBURG (Klassik) 2×
hausratversicherung vergleich kosten.org 3×
berufsunfähigkeitsversicherung rechner LV 1871 5×
risikolebensversicherung vergleich CosmosDirekt 10×
rechtsschutzversicherung vergleich Handelsblatt 6×

Consensus = how many of the AI top-3 brands also appear in the classic web search top 3.

Brands compared

Every brand with at least one AI mention, ranked by AI prominence. The order measures visibility, not quality.

# Brand Prominence
1 CHECK24
check24.de
 69.3
2 Allianz
allianz.de
 64.5
3 PKV
pkv.de
 55.9
4 Finanztip
finanztip.de
 55.7
5 VERIVOX
verivox.de
 54.1
6 Huk24
huk24.de
 50.9
7 Tarifcheck
tarifcheck.de
 50.9
8 HUK-COBURG
huk.de
 48.8
9 Bundesgesundheitsministerium
bundesgesundheitsministerium.de
 45.9
10 AXA
axa.de
 45.0
11 Swiss Life
swisslife.de
 44.5
12 ADAC
adac.de
 44.2
13 CosmosDirekt
cosmosdirekt.de
 44.0
14 Stiftung Warentest
test.de
 43.0
15 Versicherungsriese
versicherungsriese.de
 40.9
16 Wgv
wgv.de
 40.9
17 ARAG Versicherung
arag.de
 39.2
18 Verti
verti.de
 38.9
19 Handelsblatt
handelsblatt.com
 38.8
20 Hellogetsafe
hellogetsafe.com
 38.4
21 GKV-Spitzenverband
gkv-spitzenverband.de
 36.8
22 Helberg Versicherungsmakler
helberg.info
 35.9
23 Bavariadirekt
bavariadirekt.de
 35.6
24 VersicherungsCheck24
versicherungscheck24.de
 33.5
25 Pkvergleich
pkvergleich.de
 32.8
26 Mr-Money
mr-money.de
 32.8
27 Aonow
aonow.de
 32.8
28 FOCUS online
focus.de
 32.8
29 Fahranfaenger24
fahranfaenger24.com
 32.8
30 meinetarife24
meinetarife24.de
 32.8
31 Berufsunfaehigkeitsversicherung-Js
berufsunfaehigkeitsversicherung-js.de
 32.8
32 die Bayerische
diebayerische.de
 32.8
33 ERGO
ergo.de
 32.6
34 DEVK
devk.de
 32.6
35 Motor
motor.com
 32.3
36 Evb-Sofort
evb-sofort.com
 32.3
37 Rechner Plus
rechnerplus.de
 32.1
38 Checkalle
checkalle.de
 31.7
39 Versicherung-Online
versicherung-online.net
 30.5
40 Acio
acio.de
 30.5
41 Faz
faz.net
 30.5
42 MeinAuto
meinauto.de
 30.5
43 HDI
hdi.de
 30.5
44 Alteos
alteos.com
 30.5
45 Tariftiger24
tariftiger24.de
 29.8
46 Mvk-Versicherung
mvk-versicherung.de
 29.8
47 Bund der Versicherten e. V.
bundderversicherten.de
 29.1
48 Admiraldirekt
admiraldirekt.de
 29.0
49 Private-Krankenversicherung
private-krankenversicherung.xyz
 28.9
50 Kfzvergleich
kfzvergleich.app
 28.9
51 Vwfs
vwfs.de
 28.2
52 Nr1
nr1.de
 28.2
53 Info Krankenversicherung
krankenversicherung.com
 28.2
54 Acv
acv.de
 28.2
55 Kfzversicherung
kfzversicherung.io
 28.2
56 Finanzen
finanzen.net
 28.2
57 Versicherungwissen
versicherungwissen.de
 28.2
58 Zurich Gruppe
zurich.de
 28.2
59 InterRisk
interrisk.de
 28.2
60 Roland-Rechtsschutz
roland-rechtsschutz.de
 28.2
61 DISQ
disq.de
 28.2
62 Pkvler
pkvler.de
 27.5
63 Narvergleich
narvergleich.de
 27.5
64 Gev-Versicherung
gev-versicherung.de
 27.5
65 CalcAssur
calcassur.com
 27.5
66 Nuernberger
nuernberger.de
 27.5
67 Neodigital
neodigital.de
 25.9
68 Versicherungsprofi
versicherungsprofi.online
 25.9
69 Versicherung
versicherung.doctor
 25.9
70 VHV Versicherungen
vhv.de
 25.9
71 Tarifchaos
tarifchaos.de
 24.8
72 Franke-Bornberg
franke-bornberg.de
 24.3
73 Phönix PHV Premium
phoenixgroup.de
 23.6
74 LV 1871
lv1871.de
 23.4
75 Da-Direkt
da-direkt.de
 23.3
76 spar viel.
spar-viel.de
 21.3
77 PREISVERGLEICH.de
versicherungen.preisvergleich.de
 21.3
78 Provinzial
provinzial.com
 21.3
79 VOLKSWOHL BUND Versicherungen
volkswohl-bund.de
 20.6
80 Gvv-Direkt
gvv-direkt.de
 20.1
81 Continentale Versicherung
continentale.de
 19.9
82 Avd
avd.de
 19.0
83 Dfv
dfv.ag
 19.0
84 SIGNAL IDUNA
signal-iduna.de
 17.5
85
Deutscher Ring
deutscherring.de
 16.7
86 Allianzdirect
allianzdirect.de
 16.7
87 Die Haftpflichtkasse
haftpflichtkasse.de
 16.7
88 Barmenia Gothaer BU25 Premium AU
barmenia.de
 14.4
89 HanseMerkur
hansemerkur.de
 12.1
90 Bu-Portal24
bu-portal24.de
 12.1
91 Bbkk
bbkk.de
 9.8
92 Ukv
ukv.de
 9.8
93 Baloise
baloise.com
 9.8
94 Debeka
debeka.de
 9.8
95 Kv-Fux
kv-fux.de
 9.8

Showing 95 of 95 brands with an AI mention. The complete dataset is available as PDF, CSV or JSON. Δ = web-search prominence minus AI prominence, only for brands present in both channels.

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Methodology

Achtung.app sends typical German-language queries for each industry to classic web search and to the active AI models. Queries are brand-free, so results show which brands surface organically. Both channels receive identical prompts so answers can be compared directly. Every brand named in the responses is extracted and consolidated on its canonical domain. The classic-web-search source is Brave Search, a Google-independent organic index.

3 runs per AI model per query; classic web search via a single top-10 fetch. Models queried: ChatGPT, Claude, Gemini, Perplexity. Platforms and infrastructure (e.g. Google Analytics, Instagram, YouTube, LinkedIn, TikTok) are excluded from the brand list because they are marketing channels, not competitors.

How Achtung.app collects, evaluates and what the method cannot do is set out in full in the methodology. Terms such as AI prominence, run consistency and GEO gap are explained in the glossary.

Frequently asked questions about this report

AI prominence is a 0–100 score built from four measured factors: in how many queries the brand is named (coverage), how many of the evaluated AI platforms cite it (breadth), where it appears in the answers (position), and how the mentions read (sentiment). Only measured values go in — no estimates.

This report is based on answers from ChatGPT, Claude, Gemini, Perplexity. Each query was asked multiple times per platform; the details are in the methodology note above.

The numbers come from the collection run of 1. August 2026. Achtung.app re-collects this report monthly; the ranking and texts are fully recomputed each time.

No. The ranking measures how visible a brand is in AI answers, not the quality of its products or services. A high AI prominence means AI assistants name the brand frequently and prominently when users ask questions in this field.

The report only lists brands that appeared in the AI answers or in the classic web search top 10 for the tested queries. If a brand is missing, it was not named for this query set; that says nothing about other topic areas. Pure platform and infrastructure domains are deliberately excluded.

Yes. The published figures and rankings are licensed under CC BY 4.0: you may share and reuse them as long as you credit Achtung.app as the source and link to this page.

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If you use numbers from this report, please cite it like this:

Achtung.app (2026): Insurance — August 2026. Industry report, data as of August 2026. https://achtung.app/branche/insurance. License: CC BY 4.0.

Data in this report is published under CC BY 4.0 · Attribution: Achtung.app · Download the raw data: CSV · JSON

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