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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 the 10 most-named AI brands are also among the 10 most visible brands in web search. The others lead in one channel only.

  • Leader in both channels

    CHECK24 is the most-named AI brand that is also among the 10 most visible brands in web search: #1 in AI answers, #1 in 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 the 10 most-named AI brands appears in at least 66% of the model runs for its queries. The others may be missing on the next query; repeatable visibility is not a given, even at the top.

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

  1. Allianz

    allianz.de ↑1 76.8 Big Name

    Allianz Deutschland appears in 53 percent of queries across ChatGPT, Gemini, Perplexity, and Claude, achieving a higher average position in AI answers (2.6) compared to classic web search (5.2). One third of its AI mentions carry a positive sentiment, reflecting 10 positive and 20 neutral citations.

  2. CHECK24

    check24.de ↓1 75.9 Big Name

    CHECK24 is cited in 53 percent of queries across Gemini, Perplexity, Claude, and ChatGPT, securing leading average positions in both AI outputs (2.2) and classic web search (3.2). The marketplace exhibits an overwhelmingly neutral sentiment profile, receiving 28 neutral citations and only 3 positive ones.

  3. Tarifcheck

    tarifcheck.de ↑4 69.0 Big Name

    Tarifcheck surfaces in 40 percent of queries across ChatGPT, Gemini, Perplexity, and Claude, showing a noticeable gap between its average AI position (3.1) and its lower classic web search rank (6.8). Every single AI citation for this domain is strictly neutral, with exactly 15 neutral mentions and zero positive or negative classifications.

  4. VERIVOX

    verivox.de ↑1 65.5 Big Name

    VERIVOX reaches a 47 percent query coverage and achieves a higher average placement in AI answers (2.6) than in classic web search (4.7). Despite this broad visibility across Gemini, Perplexity, and Claude, the brand is completely absent from ChatGPT outputs.

  5. Huk24

    huk24.de ↓2 63.8 Big Name

    HUK24 is cited in 27 percent of queries by ChatGPT, Gemini, and Perplexity, registering a higher average position in AI responses (3.2) than in classic web search (7.3). The provider shows a strong positive sentiment skew with 16 positive and only 2 neutral mentions, although it remains entirely unmentioned by Claude.

# Brand Prominence
6 New PKV
pkv.de
 63.6
7 New HUK-COBURG
huk-coburg.de
 62.7
8 ↓4 Finanztip
finanztip.de
 61.8
9 ↑1 Wgv
wgv.de
 60.3
10 New DEVK
devk.de
 56.9

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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 August 2026 Current
Allianz
allianz.de
 #2 #1
CHECK24
check24.de
 #1 #2
Tarifcheck
tarifcheck.de
 #7 #3
VERIVOX
verivox.de
 #5 #4
Huk24
huk24.de
 #3 #5
PKV
pkv.de
 – #6
HUK-COBURG
huk-coburg.de
 – #7
Finanztip
finanztip.de
 #4 #8
Wgv
wgv.de
 #10 #9
DEVK
devk.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.

5 AI only 5 in both 5 web search only

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

stable Brands named in at least 66% of a query's model runs on average, across the queries they appear in.

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 at least 66% of model runs
 1
Borderline
appears in 33 to 66% of model 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 Allianz
allianz.de Service provider
76.8
2 CHECK24
check24.de Marketplace / directory
75.9
3 Tarifcheck
tarifcheck.de Marketplace / directory
69.0
4 VERIVOX
verivox.de Marketplace / directory
65.5
5 Huk24
huk24.de Service provider
63.8
6 PKV
pkv.de Institution
63.6
7 HUK-COBURG
huk-coburg.de Service provider
62.7
8 Finanztip
finanztip.de Media outlet
61.8
9 Wgv
wgv.de Service provider
60.3
10 DEVK
devk.de Service provider
56.9
11 Verti
verti.de Service provider
56.4
12 ADAC
adac.de Service provider
55.4
13 ERGO
ergo.de Service provider
54.9
14 Handelsblatt
handelsblatt.com Media outlet
54.6
15 ARAG Versicherung
arag.de
53.6
16 Roland-Rechtsschutz
roland-rechtsschutz.de Service provider
53.5
17 Da-Direkt
da-direkt.de Service provider
53.3
18 Stiftung Warentest
test.de Media outlet
53.2
19 Vkb
vkb.de
52.8
20 Hellogetsafe
hellogetsafe.com Service provider
52.4
21 AXA
axa.de Service provider
52.2
22 Provinzial
provinzial.com Service provider
51.3
23 Swiss Life
swisslife.de Service provider
49.9
24 HanseMerkur
hansemerkur.de Service provider
48.5
25 Gev-Versicherung
gev-versicherung.de Service provider
48.3
26 Mvk-Versicherung
mvk-versicherung.de
48.2
27 Ruv
ruv.de Service provider
46.7
28 CosmosDirekt
cosmosdirekt.de Service provider
46.6
29 Pkvergleich
pkvergleich.de Marketplace / directory
45.9
30 Deutscher Ring Krankenversicherung
Service provider
45.9
31 Meinburechner
meinburechner.de
45.9
32 Münchener Verein
muenchener-verein.de
45.9
33 GEV Grundeigentümer 45.9
34 Evb-Sofort
evb-sofort.com Service provider
45.7
35 Switchfy
switchfy.de Marketplace / directory
45.2
36 Hannoversche Versicherung
hannoversche.de Service provider
43.6
37 Krankenkassenservice24
krankenkassenservice24.de Marketplace / directory
43.6
38 Berufsunfaehigkeitsversicherung-Js
berufsunfaehigkeitsversicherung-js.de
43.6
39 Allrecht
allrecht.de
43.6
40 Ukv
ukv.de
43.6
41 Continentale Versicherung
continentale.de
43.6
42 Kfz-Versicherungsvergleich
kfz-versicherungsvergleich.de
43.6
43 Nr1
nr1.de Service provider
42.9
44 Bu-Portal24
bu-portal24.de Marketplace / directory
42.7
45 Helberg Versicherungsmakler
helberg.info
41.5
46 Acio
acio.de Service provider
41.3
47 Örag
arag.com Product
41.3
48 Rechner Plus
rechnerplus.de
41.3
49 Bavariadirekt
bavariadirekt.de
41.3
50 Neodigital
neodigital.de
41.3
51 Onverso
onverso.de Marketplace / directory
40.6
52 HDI
hdi.de Service provider
40.5
53 Objektiva
objektiva.de
40.5
54 Amtsdeutschland
amtsdeutschland.de
40.5
55 Finanzfluss
finanzfluss.de Media outlet
40.5
56 Inveda
inveda.net
40.5
57 Faz
faz.net
40.2
58 Checkalle
checkalle.de Marketplace / directory
39.3
59 Gvv-Direkt
gvv-direkt.de Service provider
39.0
60 Admiraldirekt
admiraldirekt.de
39.0
61 eVB-Nummer online beantragen
evb-nummer-online.com
39.0
62 Adam-Riese
adam-riese.de
39.0
63 Versicherungscheck
versicherungscheck.net Marketplace / directory
38.9
64 Worksurance
worksurance.de Service provider
38.5
65 Avd
avd.de Service provider
38.5
66 VersicherungsCheck24
versicherungscheck24.de
38.2
67 Basler
basler.de
38.2
68 Wuerttembergische
wuerttembergische.de
38.2
69 Allianzdirect
allianzdirect.de Service provider
37.8
70 Hallesche
hallesche.de
37.8
71 Vzhh
vzhh.de Institution
37.5
72 Vertraglotse
vertraglotse.de
37.1
73 Versicherungsvergleich***** Das ORIGINAL
versicherungsvergleich.de
37.1
74 Versigate
versigate.de Service provider
36.7
75 LVM
lvm.de
36.7
76 HFK1676 Premium 36.7
77 Prokundo
prokundo.de
36.7
78 Baloise
baloise.ch
36.0
79 Vgh
vgh.de Service provider
35.9
80 Vwfs
vwfs.de Institution
35.9
81 wechselmax
wechselmax.de
35.9
82 Deutsche-Familienversicherung
deutsche-familienversicherung.de
35.9
83 Kv-Fux
kv-fux.de
35.9
84 Auxilia
auxilia.de
35.9
85 Bund der Versicherten e. V.
bundderversicherten.de
34.8
86 Pkvler
pkvler.de Marketplace / directory
34.4
87 EVB-Nummer Sofort
evb-nummer-sofort.com
34.4
88 Helvetiafinancial
helvetiafinancial.ch
34.4
89 SIGNAL IDUNA
signal-iduna.de Service provider
33.7
90 Narvergleich
narvergleich.de
33.6
91 DELA
dela.de
33.6
92 Geld
geld.de
33.6
93 Autobild
autobild.de
33.6
94 Saw-Assekuranz
saw-assekuranz.de
33.6
95 Bundesgesundheitsministerium
bundesgesundheitsministerium.de Institution
32.8
96 Private-Krankenversicherung
private-krankenversicherung.xyz Marketplace / directory
32.1
97 Alteos
alteos.com
32.1
98 Tariftiger24
tariftiger24.de
31.3
99 Dialog-Versicherung
dialog-versicherung.de
31.3
100 VHV Versicherungen
vhv.de
31.3

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, computed only from queries where the brand appears 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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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

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