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Industry report · Data as of 1. September 2026

Insurance

AI models recommend AXA 9 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 holds the leading average rank in classic web search. Although the search queries predominantly seek independent comparisons and general advice, direct insurance providers constitute the majority of the top fifteen recognized 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

    5 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

    Tarifcheck is named 15× in AI answers and appears 6× in classic web search. AI models weight the brand more heavily than Google does.

  • Single provider dominant

    Stiftung Warentest gets 88 % of its AI mentions from a single model (Perplexity). The other providers rarely name the brand.

  • Web search only

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

  • Stability

    1 % 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 CHECK24
check24.de
 67.5
2 Allianz
allianz.de
 66.6
3 Tarifcheck
tarifcheck.de
 61.3
4 VERIVOX
verivox.de
 56.8
5 PKV
pkv.de
 55.9
6 Finanztip
finanztip.de
 54.1
7 HUK-COBURG
huk-coburg.de
 52.5
8 Huk24
huk24.de
 49.3
9 ERGO
ergo.de
 46.1
10 Wgv
wgv.de
 45.9

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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
Tarifcheck
tarifcheck.de
 – #3
VERIVOX
verivox.de
 #7 #4
PKV
pkv.de
 #9 #5
Finanztip
finanztip.de
 #5 #6
HUK-COBURG
huk-coburg.de
 – #7
Huk24
huk24.de
 #2 #8
ERGO
ergo.de
 #6 #9
Wgv
wgv.de
 – #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-coburg.de
Huk24
huk24.de
Stiftung Warentest
test.de
PKV
pkv.de
Finanzfluss
finanzfluss.de
Allianz
allianz.de
DEVK
devk.de
Finanztip
finanztip.de
Bundesgesundheitsministerium
bundesgesundheitsministerium.de
VHV Versicherungen
vhv.de

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

ChatGPT citations Classic web search
CHECK24
check24.de
Tarifcheck
tarifcheck.de
Huk24
huk24.de
HUK-COBURG
huk-coburg.de
Allianz
allianz.de
Finanztip
finanztip.de
PKV
pkv.de
Vzhh
vzhh.de
Handelsblatt
handelsblatt.com
ADAC
adac.de

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

Claude citations Classic web search
CHECK24
check24.de
VERIVOX
verivox.de
Allianz
allianz.de
PKV
pkv.de
Bundesgesundheitsministerium
bundesgesundheitsministerium.de
Bu-Portal24
bu-portal24.de
Worksurance
worksurance.de
die Bayerische
diebayerische.de
Vgh
vgh.de
Vkb
vkb.de

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

Gemini citations Classic web search
Stiftung Warentest
test.de
Allianz
allianz.de
HUK-COBURG
huk-coburg.de
DEVK
devk.de
PKV
pkv.de
Bundesgesundheitsministerium
bundesgesundheitsministerium.de
Bu-Portal24
bu-portal24.de
Finanzfluss
finanzfluss.de
Tarifcheck
tarifcheck.de
Huk24
huk24.de

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

Perplexity citations Classic web search
HUK-COBURG
huk-coburg.de
Allianz
allianz.de
Finanztip
finanztip.de
DEVK
devk.de
Huk24
huk24.de
Tarifcheck
tarifcheck.de
PKV
pkv.de
CosmosDirekt
cosmosdirekt.de
VHV Versicherungen
vhv.de
Stiftung Warentest
test.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
Kfz
huk.de
 9
Krankenkassen vergleichen
krankenkassen.de
 2
Verbraucherzentrale
verbraucherzentrale.de
 2
Zurich
zurich.de
 2
Versicherungsriese
versicherungsriese.de
 3

Visible in AI answers, absent from web search

Brand AI mentions
HUK-COBURG
huk-coburg.de
 12
AXA
axa.de
 9
Verti
verti.de
 9
Wgv
wgv.de
 8
ERGO
ergo.de
 7

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
 1
Borderline
appears in 1 of 3 runs; plan for it with care
 14
Drift
appears only sporadically; may be missing on the next run
 100

Based on 115 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.

The queries ask for: 7× marketplaces 5× media outlets 3× products

Query AI top
private krankenversicherung kosten F.A.Z. Kaufkompass 1×
private krankenversicherung vergleich Handelsblatt 4×
private krankenversicherung nachteile private Krankenversicherung (PKV) 12×
kfz-versicherung wechseln vwfs.de 3×
kfz-versicherung günstig HUK24 7×
haftpflichtversicherung wohnung HDI 3×
kfz-versicherung online CHECK24 8×
haftpflichtversicherung steuerlich absetzbar axa.de 3×
berufsunfähigkeitsversicherung sinnvoll Allianz 3×
versicherung vergleichen sparen ObjektiVa 3×
haftpflichtversicherung vergleich HUK-COBURG 4×
hausratversicherung vergleich Verivox 6×
berufsunfähigkeitsversicherung rechner Swiss Life 6×
risikolebensversicherung vergleich Huk24 7×
rechtsschutzversicherung vergleich ROLAND 4×

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 Marketplace / directory
67.5
2 Allianz
allianz.de Service provider
66.6
3 Tarifcheck
tarifcheck.de Marketplace / directory
61.3
4 VERIVOX
verivox.de Marketplace / directory
56.8
5 PKV
pkv.de Institution
55.9
6 Finanztip
finanztip.de Media outlet
54.1
7 HUK-COBURG
huk-coburg.de Service provider
52.5
8 Huk24
huk24.de Service provider
49.3
9 ERGO
ergo.de Service provider
46.1
10 Wgv
wgv.de Service provider
45.9
11 Stiftung Warentest
test.de Media outlet
45.5
12 ADAC
adac.de Service provider
44.4
13 Da-Direkt
da-direkt.de Service provider
44.1
14 Handelsblatt
handelsblatt.com Media outlet
44.0
15 Verti
verti.de Service provider
43.6
16 DEVK
devk.de Service provider
43.1
17 AXA
axa.de Service provider
42.8
18 Swiss Life
swisslife.de Service provider
42.2
19 Roland-Rechtsschutz
roland-rechtsschutz.de Service provider
40.1
20 ARAG Versicherung
arag.de
39.8
21 Vkb
vkb.de
39.4
22 HanseMerkur
hansemerkur.de Service provider
38.9
23 Hellogetsafe
hellogetsafe.com Service provider
37.0
24 CosmosDirekt
cosmosdirekt.de Service provider
36.3
25 Hannoversche Versicherung
hannoversche.de Service provider
35.9
26 Provinzial
provinzial.com Service provider
35.9
27 Bu-Portal24
bu-portal24.de Marketplace / directory
35.0
28 Gev-Versicherung
gev-versicherung.de Service provider
32.9
29 HDI
hdi.de Service provider
32.8
30 Objektiva
objektiva.de
32.8
31 Amtsdeutschland
amtsdeutschland.de
32.8
32 Mvk-Versicherung
mvk-versicherung.de
32.8
33 Inveda
inveda.net
32.8
34 Finanzfluss
finanzfluss.de Media outlet
32.8
35 Faz
faz.net
32.6
36 Evb-Sofort
evb-sofort.com Service provider
31.6
37 Checkalle
checkalle.de Marketplace / directory
31.6
38 Ruv
ruv.de Service provider
31.3
39 Helberg Versicherungsmakler
helberg.info
31.3
40 Versicherungscheck
versicherungscheck.net Marketplace / directory
31.2
41 Worksurance
worksurance.de Service provider
30.8
42 Avd
avd.de Service provider
30.8
43 Pkvergleich
pkvergleich.de Marketplace / directory
30.5
44 Deutscher Ring Krankenversicherung
Service provider
30.5
45 VersicherungsCheck24
versicherungscheck24.de
30.5
46 Meinburechner
meinburechner.de
30.5
47 Basler
basler.de
30.5
48 Münchener Verein
muenchener-verein.de
30.5
49 Wuerttembergische
wuerttembergische.de
30.5
50 GEV Grundeigentümer 30.5
51 Switchfy
switchfy.de Marketplace / directory
29.8
52 Vzhh
vzhh.de Institution
29.8
53 Vertraglotse
vertraglotse.de
29.4
54 Versicherungsvergleich***** Das ORIGINAL
versicherungsvergleich.de
29.4
55 Onverso
onverso.de Marketplace / directory
29.1
56 Krankenkassenservice24
krankenkassenservice24.de Marketplace / directory
28.2
57 Vwfs
vwfs.de Institution
28.2
58 wechselmax
wechselmax.de
28.2
59 Berufsunfaehigkeitsversicherung-Js
berufsunfaehigkeitsversicherung-js.de
28.2
60 Vgh
vgh.de Service provider
28.2
61 Allrecht
allrecht.de
28.2
62 Ukv
ukv.de
28.2
63 Kv-Fux
kv-fux.de
28.2
64 Continentale Versicherung
continentale.de
28.2
65 Kfz-Versicherungsvergleich
kfz-versicherungsvergleich.de
28.2
66 Deutsche-Familienversicherung
deutsche-familienversicherung.de
28.2
67 Auxilia
auxilia.de
28.2
68 Nr1
nr1.de Service provider
27.5
69 Bund der Versicherten e. V.
bundderversicherten.de
27.1
70 Acio
acio.de Service provider
25.9
71 Örag
arag.com Product
25.9
72 Narvergleich
narvergleich.de
25.9
73 Rechner Plus
rechnerplus.de
25.9
74 DELA
dela.de
25.9
75 Autobild
autobild.de
25.9
76 Saw-Assekuranz
saw-assekuranz.de
25.9
77 Geld
geld.de
25.9
78 Bavariadirekt
bavariadirekt.de
25.9
79 Neodigital
neodigital.de
25.9
80 Bundesgesundheitsministerium
bundesgesundheitsministerium.de Institution
25.1
81 Allianzdirect
allianzdirect.de Service provider
24.9
82 Tariftiger24
tariftiger24.de
23.6
83 Dialog-Versicherung
dialog-versicherung.de
23.6
84 Admiraldirekt
admiraldirekt.de
23.6
85 Gvv-Direkt
gvv-direkt.de Service provider
23.6
86 eVB-Nummer online beantragen
evb-nummer-online.com
23.6
87 VHV Versicherungen
vhv.de
23.6
88 Fairfekt
fairfekt.de
23.6
89 Adam-Riese
adam-riese.de
23.6
90 Hallesche
hallesche.de
22.4
91 Versigate
versigate.de Service provider
21.3
92 SparcCheck
sparccheck.com
21.3
93 Europa
europa.de Service provider
21.3
94 LVM
lvm.de
21.3
95 CHECK24-Partnerprogramm
check24-partnerprogramm.de
21.3
96 HFK1676 Premium 21.3
97 Prokundo
prokundo.de
21.3
98 Baloise
baloise.ch
20.6
99 Pkvler
pkvler.de Marketplace / directory
19.0
100 Alte Leipziger
alte-leipziger.de
19.0

Showing 100 of 115 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. The category (service provider, product, marketplace, media outlet) is classified only for the most-mentioned brands; it stays empty for the rest.

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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. September 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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How to cite

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

Achtung.app (2026): Insurance — September 2026. Industry report, data as of September 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

Aggregated observations across all industries are in the latest insights.