Examples of savings with wider policy coverage with ANO brokers
Example 1 of savings procured by Ano insurance brokers
ACCIDENT INSURANCE
Policies contracted without ANO broker
Policies contracted with ANO broker
Contracted coverage:
TENDER
(market access, acquisition of proposals, negotiations with insurers)
(market access, acquisition of proposals, negotiations with insurers)
Death due to accident EUR 11,547.40
Death due to illness EUR 2,654.57
Permanent disability due to accident EUR 23,094.80
Bone fracture EUR 663.64
Death due to illness EUR 2,654.57
Permanent disability due to accident EUR 23,094.80
Bone fracture EUR 663.64
Same coverage
Annual premium based on 260 employees:
EUR 10,352.84
(EUR 39.82 per employee)
EUR 10,352.84
(EUR 39.82 per employee)
Lowest annual premium with the same coverage:
EUR 7,868.85
(EUR 30.26 per employee)
EUR 7,868.85
(EUR 30.26 per employee)
savings
EUR 2,483.99, i.e. 24%
It is possible to contract broader coverage while saving insurance premiums compared to the previous year. For example, the premium from one insurer’s offer in option 2 amounts to EUR 9,215.13, which includes additional risks like daily fees for hospital stays, grave illnesses (carcinoma, stroke, etc.), and sudden death caused by illness.
Example 2 of savings procured by Ano insurance brokers
VEHICLE INSURANCE
Policies contracted without ANO broker
Policies contracted with ANO broker
Mandatory insurance / Comprehensive insurance
TENDER
(market access, acquisition of proposals, negotiations with insurers)
(market access, acquisition of proposals, negotiations with insurers)
Total premiums
25 vehicles / 12 vehicles
EUR 6,367.01 / EUR 6,455.57
25 vehicles / 12 vehicles
EUR 6,367.01 / EUR 6,455.57
Same number of vehicles
Same coverage
Same coverage
Total premium
EUR 12,822.57
EUR 12,822.57
Total premium
EUR 8,673.37
EUR 8,673.37
savings
EUR 4,149.20, i.e. 32.35%
It is possible to contract broader coverage while saving insurance premiums compared to the previous year. For example, the premium from one insurer’s offer amounts to EUR 10,522.93 and provides coverage for two comprehensive damages per vehicle without malus (usually, only the first damage is fully covered, while the second and each subsequent malus is calculated), includes a replacement vehicle in case of hull damage and vehicle breakdown for up to five days, etc.
* Savings representations are according to actual cases we have realized for our clients