Online comparison portals advertise speed and the "best price." But what happens when advice is missing and the fine print works against you? A look behind the scenes of the portal world.
The Problem with "Advice Light"
Large comparison portals are not just information sites – they are giant insurance brokers. But with one crucial difference: the transaction usually takes place without a real, individual needs assessment. You click a few boxes, choose the cheapest price, and receive a policy.
The risk: If you misunderstand a question or overlook an important option, you are liable for the consequences yourself. Since no personal consultation took place, it is almost impossible to hold the portal liable for a wrongly chosen tariff.
Hidden Pre-selection
Not all insurance companies participate in comparison portals. Many high-performance providers and specialized tariffs are completely missing there. Portals primarily show companies with which they have commission agreements. This is not a neutral market overview, but a filtered list of partner companies.
Who Helps You in the Event of a Claim?
Have you ever tried to get help with a million-euro claim from an anonymous hotline? Portals are designed for volume, not for individual support. When it really matters, you often stand alone against the legal department of the insurance company.
Beware of Existential Risks!
For car insurance, an online purchase might still be justifiable. But when it comes to occupational disability or private health insurance, clicking through without a risk pre-assessment and expert advice is grossly negligent. A mistake in the health questions here leads to a total loss of protection. Learn more about Occupational Disability Insurance and Private Health Insurance (PKV).
The Broker Advantage: Personal & Liable
When I advise you, I take the time for your details. I know the pitfalls of the application questions and know which insurer actually pays in the event of a claim. And the most important thing: I am liable for my recommendation. That is your safety guarantee.
Checklist: Portal or Broker?
- Portal: Anonymous mass instead of individual analysis.
- Broker: Personal support even after the contract is signed.
- Broker: Support and "advocacy" in the event of a claim.