Insurers choose detectives and experts in fraud detection

ICEA (Cooperative Research between Underwriters and Pension Funds), in its report on the Spanish Insurance Fraud 2011 presented by shows that is increasing the attempted insurance fraud, reaching 95,312 in the car insurance industry, which an annual increase of 10.5%.But who is behind the fraud?"Virtually all cases are detected correspond to individuals.

The amount claimed by case usually low," says a director of ICEA, more worrisome considering the action of organized gangs. "They represent a small volume of cases in each scam but manage to get much more relevant quantities. Primarily active in the auto industry."Almost always, it is the insured who is committing fraud.

The role of contrast is relevant only in car accidents (22%). And neither mediators nor insurance providers (shops, doctors, builders ...) are often involved in the scams.The best case of fraud detectedICEA convenes an annual contest to choose the juiciest deception. The fraud prevention departments of the first Spanish insurance refer more curious cases have been detected at ICEA.

The jury weighs both the economic quantity that has saved the insurer to discover the thymus as detection techniques employed and the strength of evidence.In the case that won first prize last year, coordination of parallel investigations was fundamental. We detected a possible fraud in an incident in which a person became paraplegic due to a car accident. The insurer suspected that the claimant had posed as copilot, when it really was the driver of the vehicle at the time of the accident.In the auto insurance policies to third parties, the driver of the car is not covered, but the companions.

The combined action of the company's experts, an engineering center that reconstructed the accident sequence and specialists of forensic medicine chair failed to prove at trial that the accident was driving the car at the time of the incident.Is it profitable for insurers to avoid scams?Sometimes the cure is worse than the disease, but overall it is very beneficial. The key lies in knowing the companies decide when and in what compensates investigate is less expensive to overlook ...Last year, the 21 entities that contributed to the study ICEA fraud allocated 6.7 million euros to analyze possible scams. This investment allowed avoiding scams where net demanded payment of 341 million euros in compensation. For every dollar spent on research is avoided paying almost 52 euros.

To uncover the deceptions insurers mobilize their experts, who are responsible for evaluating the origin of the claim and the amount of damages. They also hire the services of private detectives. Their job is to contrast the documentation provided and the accounts presented by those involved in the incident. Sometimes, companies turn to specialized laboratories to analyze samples collected at the scene.

The technological sophistication also extends in fraud detection activities, resulting in a massive increase use of internet and social networks for monitoring and investigation of claims. Internet helps to reveal if there are any pre-existing relationship between the cause of the accident and the injured. There have been cases where those involved in a traffic collision when they were denied knowing clearly in contact on social networks.The Data Protection Act has cut so far all projects to create an official file insurance fraudsters. However, it is common practice for insurance servicers hold data of families who have tried to cheat in the last sector.

Car insurance for young

Search and find car insurance for a young affordable when driver age is between 18-25 years is a rather complicated task. With our car insurance comparison you can check what insurance companies themselves would be willing to cover and which ones offer specific car insurance for young people, including a detailed analysis of coverage and rates.

Young people, especially those included in the age group between 18 and 25 years, who bear the higher insurance premiums, which can be up to 400% higher than those of most drivers age in the same circumstances. The rationale is that insurance for young people are the ones that generate higher spending per policy to the insurance companies, because according to statistics, the recklessness and lack of driving experience of under 25 increases the likelihood of have an accident. However, the raw vary widely depending on the case.

When studying the cost of car insurance for young, variables that modify the end result:- Age at which we took the card- Types of vehicles insured- Election of the policy of the company and the bonus system.Each insurer a world

To guide you on which companies can provide you a good value for money, we have mentioned in the past that each company has its own strategy, and base their safe driving profiles and different insurance. Because of our experience in this sector we know that:* If you are between 18 and 25 years old and you're a woman, some insurers will offer you better value for your car insurance.

* Other companies to consider getting car insurance for young people cheap, ensure both women and men, as long as the vehicle characteristics (power, capacity) and the driver are within tolerable risk.

* Another option for car insurance for young people is to ensure the car insurance companies that launch specific products to young people, who generally are aimed at young people aged between 18 and 30 years. In the latter case, the main characteristic of youth specific insurance is usually offered to pay a premium based on the responsibility of every driver behind the wheel, making a custom quote depending on driving style of each. In addition, young people who show good driving behavior are rewarded by the insurance company with advantages of type-fuel cards, important bonuses with each renewal premium, and if proven track record of accidents should have been insured previously in another company.

Insurance rates in 2012

It talks about the difficult situation will live the insurance industry during this 2012 car. According to some industry executives, 2011 has been a year "troubled" that condition the economy is expected to recover only in the long term and that will lead to "very tough scenarios."

The ICEA insurance association say there should be no "illusions" about whether this crisis can affect lesser extent insurance companies car than other sectors. However, an argument for not becoming discouraged is that while premiums have declined in the past four years, the number of uninsured has grown.

Several companies were slight decreases in turnover of car insurance in 2011, and is considered to have a greater concentration of companies in the business through mergers and acquisitions.

As for the business prospects in 2012, senior executives of insurance predict fierce competition in the car insurance industry. There is also talk of a number of aspects that characterize 2012 as the sector's profitability, customers in search of cheaper car insurance, project-oriented business models for growth, heterogeneous players, the sector well capitalized and type of high interest.

And specifically in the car insurance business, there may be some opportunities, like the great knowledge of pricing or sectoral good tools, and also some risks, such as inflation risk by updating the scale or pricing based on auction.

Raw in April 2012
Although this price stabilization are strong fluctuations between insurers being the Third Basic category in which most evident: between 6% -7% up and down as companies analyzed. The data show that the average price in the category of Third Basic for April stays at 387 euros.Also in the Third Expanded mode preserves the average premium is 436 euros.

With excess is the category that has suffered a decline since early 2012.Without excess manifests a variation in the average prices of April up to 1081-1088 euros.

Prices in 2011The average annual change in insurance prices closed last year with a drop of 3.75% cumulative average in the four types of insurance.

All types experienced a decrease in premiums in 2011, reaching up to 5 percentage points of difference in the case of Third Expanded and with excess, which, with 5% each, are the categories that showed a steeper decline . I followed Third Core with a decrease of 3% and, finally, without excess, which is 2% experienced a smaller decline at year end.

Another interesting data is that January and February were those who offered, on average, the highest prices of the year. However, lower average prices were in August for Third Basic and without excess, and in September and Expanded Third Party with excess.

Car insurance for people with disabilities

People with disabilities face a multitude of obstacles in their daily lives. Those with disabilities are in the market only vehicles adapted to their condition, have to spend much money in suit and most insurers do not cover the needs of this group.
Seguronce was, until recently, the only institution offering car insurance for disabled. This organization has developed its services in order to provide specific solutions to associations of disabled people which have resulted in the marketing of specialty insurance and adapted to the needs of this group of people.
Some private insurers are committed to promote in your wallet car insurance for disabled people, who have always been in the background or it may not have been considered. In 2009 he launched the first exclusive car insurance for disabled and since then more and more.
Such policies cover situations and offer a number of very specific services, responding to the demands and needs of a sector composed of about 700,000 people using adapted vehicles.In such policies find very specific coverages: luggage including wheelchair transfers and escorts direct client to your destination by car or taxi adapted (Eurotaxi) if immobilization workshop or car accident passenger travel expenses by accident or disease of people with disabilities during the trip; adaptation of vehicle coverage without additional cost to an amount, typically the first 4,000 euros; guidance on handling of appeals or requests for financial aid.
In some cases, it also provides psychological and social counseling in case of accident. All this is covered up to certain amounts, normally valued at 5,000 euros.
The essential condition is insurance that suits all insured, whatever their situation and need. For people with disabilities that private insurers they think is a big plus, on the market since minorities are sometimes problems to find solutions that suit them.

However, insurers in this market can find new business opportunities and niches that can make a company that specializes in put them ahead of the pack with ease.

What is insurance profits?

In monetary terms, lost profits is money that would not have happened livestock damage. For example, the merchant whose goods have been destroyed as a result of the car accident can claim the price of it, and the benefit that would have been obtained, the taxi driver, as a result of a road crash, lost days of work while fix your car, the lawyer who lost the sight of a trial ...
In Spain lost profits compensation of victims of road accidents. The courts are generous when it comes to compensation for moral damage but are more restrictive property damage. When an accident with personal injury, the law distinguishes between:
• Current Consequential Damages: hospital expenses.• Loss of earnings: disorders arising from the inability of the victim to work for the duration of convalescence.• Indirect damage future treatment costs permanent sequelae.• Loss of earnings future earnings foregone as a result of disability.From the Spanish Union of Insurance and Reinsurance (UNESP) note that the 'Spanish System for Damage Assessment Body in car accident', better known as the scale, is obsolete and urgent update because reality has changed siniestral substantial.
The car insurance insurers support the need for the upgrade, but warn of a consequent rise in prices, from Unespa suggest setting a ceiling. The employer supports a more fair and balanced than the present, which is consistent with victims' associations, but clarifies that the increase will affect the cost of car insurance compensation because "we pay all". With reservations, victims advocate for economic protection for the most serious injuries, especially for families who lose one of its components to provide income or household work.
The eligibility requirements for compensation for loss of earnings are as follows:• That the profits exists and can be tested, along with his relationship with the damage. This requirement is more difficult to prove.• What can be determined economically the amount that has not received. For example, if a person was unable to work for a month because of an injury in a traffic accident, loss of income was his salary for a month (less, if applicable, pensions could have received).


Restrictive legislation

Unlike Spain, in almost all European countries are seeking full compensation for injuries in traffic accidents. Economic damages are repaired without restriction in the UK, Germany, France and Italy. The courts in these countries are open to the setting of compensation for loss of earnings, while moral damages are valued more arbitrary and restrictive in these countries than it is in Spain.Our country has followed the tradition of the restrictive interpretation of the so called profits, causing difficulty plus the whole satisfaction, which, in the opinion of the expert, "should not happen in cases where the proof of loss has been properly proved. " And is that the legal system of assessment established by the Revised Text of the Law on Regulation and Supervision of Private Insurance not say whether the compensation for loss of income in the event of death, permanent injury or temporary disability of the victim, exhausted to weightings of the Scale.

Compulsory Liability Insurance

Under Spanish law, effective in early 2008, all vehicles, including second hand, must have car insurance minimum coverage which is mandatory liability. Driving without her, can pose sanctions ranging from 601 euros to 3,005 euros and can inhabilitarnos the vehicle.

Car insurance compulsory or mandatory liability insurance, has the minimum coverage required by law. This insurance coverage is not sold on its own in the companies, it is generally offered in a package with other coverages such as legal expenses, driver insurance, travel assistance, etc..Only I can find no other coverage added in the Insurance Compensation Consortium. Sometimes, companies refuse to insure a user, ie, they do not even do the most basic insurance including Liability Compulsory. The reason is usually caused by poor driving experience (less than 2-5 years of age card), or by the young age (under 25, although there are companies in which is from 27, or even more ) or insure the vehicle (with power / weight ratio high).

When this occurs, and as we can not travel without insurance, there is a public entity that will assume the legal minimum for all these people that no private company assumes.These coverages are valid in Spain and all countries of the Multinational Agreement Guarantee (the EU, Switzerland, Iceland, Norway, Croatia, Slovenia, Hungary, Czech Republic and Slovak Republic).What coverages offered


Compulsory Liability Insurance?
The range covered by this insurance is related to damage that may have made the driver of the car against other people, namely:* Damage to third parties (including a pedestrian) amounting to 70 million Euros per claim.* Damage against animals* Against property damage up to 15 million Euros per claim.

What coverages are not included?

No cover us if the person hit or otherwise damaged in the vehicle is a relative of the driver at fault. Up to the third degree of consanguinity to the driver at fault this coverage does not include damage of a material nature that were not (historically these claims were brought about intentionally and therefore the exception in today's terms).Therefore, the major risk of this insurance contract can only be the limitations that we would suffer with it. For while it is designed to ensure that if we are owners of a vehicle and caused damage to other persons or property they will be covered, in no case shall this insurance cover damage we cause we ourselves or family, we will have no supplemental coverage, and in any case the coverage will be limited.

Increasingly women-only insurance

The accident statistics do not lie the DGT, women have a lower risk of causing accidents or being involved in one. Men are the highest accident record (4 out of 5 deaths and 3 out of 4 injured in road accidents). As a general rule women are more cautious when they are behind the wheel, so car insurance companies offer lower premiums under the lower claims.Not only are more careful driving but also choose smaller displacement cars and tend to drive less frequently than men, so the possibility of causing an accident and the potential damage of lesser importance.

However, following the opinion of the Court of Justice of the European Union that outlaws that sex can be a source of differentiation in the price of insurance, insurers may not offer different premiums to men and women in the car insurance , life and health, when differences were recorded before arriving up to 33% on the final price.

The car insurance premiums for women will consequently increased their amount. According to a report commissioned by the CEA, the European insurance employer, which attempts to assess the economic consequences of the implementation of the European directive that establishes the disappearance of gender differences, which are classified as direct discrimination, one of the first consequences will increase the price of car insurance policies for women. Quantified increased by 11% as GDV, the German Insurance Association.Insurers aware of the specific needs of this group have begun to offer vehicle insurance with coverage designed especially for the women. Many of these companies claim to be over 25 and have not lost more than six points, assessing aspects of history at the wheel adjusting the price accordingly based on the claims.

To get more competitive prices can help our car insurance comparison with which not only saves money, but also time in choosing the car insurance deal that best fits your needs.ExamplesAmong the available supply in the market stands Insurance Penelope, a new brand launched by the Group Hotline offering coverage to address the peace and safety of the drivers, but can also be contracted by men. This insurance is intended to make life easier for the insured, particularly as related to roadside assistance, field repairs, workshops and specific allowances.

Coverages offered highlights of theft bag inside the car, offering compensation of up to 200 euros and the management of low credit cards. Penelope offers roadside assistance for pregnant women, in case of indisposition for this contingency, are responsible for the insured and take your car to a medical center or to their home, as required. Car service also offers Agenda, helping to save time conducting, managing the agenda revisions of your car. In the repairs, the insured will have free choice of workshop and the assurance that your car will be washed and vacuumed after repair.Other highlights include the additional cover legal assistance on various topics such as labor law, fiscal or civilian vehicle repaired in situ, wherever possible and collection and delivery services vehicle, crane urgent (roadside assistance unlimited mileage) and replacement vehicle, among others.

Another policy to mention is the Policy We Pelayo, to suit the specific needs of everyday women and among other features the following

What does have a duty free car insurance?

The car insurance contracts are a voluntary agreement for both parties. First, the user must pay a sum of money in advance to secure a car. And for another, the insurance company takes over if that risk leads to a loss by paying the compensation is stipulated in clauses.However, there is a mixed formula, which is a compromise between the parties involved, in which each party is responsible for a fraction of the obligation of the other. In other words, you pay a lower premium to its share of the insurance contract and the insurer pay compensation below that correspond.Thus was born the concept of franchising this mutual commitment, by which each party is responsible for a share of the obligation of the other party.


Definition
 

Franchising is an amount of money that the insured fails to collect the car insurance company for compensation that would apply as a result of an accident.It is applied to the first X euros of compensation and each and every one of the incidents that occur during the period of insurance.In return, the insurer lowers the total premium that you must pay for such insurance, a certain amount of money, it does not have to match the value of the franchise, sometimes being higher and others lower.What coverage is best to apply a franchise?
 

* Theft, fire and moons
Since the cost of procurement of these hedges is relatively low, apply a franchise they just lower the price and also if for example, a glass breaks or try to pick a lock to steal the car, you will be responsible for the almost repair entirety. Logically, if the car catches fire or stolen, it would be otherwise.

 

* Own damage
In this case, hire own damage coverage is very expensive relative to the other, so applying a franchise, in most cases it can be a very substantial reduction in the premium.Hiring or not a franchise for this coverage depends on the type of driver. While no one knows in advance whether an accident will be serious and if the driving record can help you make a decision. The driver will know whether or not parties have given their insurance, then according to this history can predict the risk of having an accident.When the accident history does not record incidents only, then it may be worth considering employing a franchise to reduce premiums. But if the driver usually give parties regularly, either to fix minor knocks or incidents of guilty is then reduced interest in insurance with excess.


What amount of franchise we choose?

The decrease of the premium payable is not entirely proportional to the value of the franchise hired. Interestingly apply several possibilities, franchises 150, 300, 600 or 1,200 €.Give part of the insurance claim to fix minor bumps, scratches, with or without excess, in most cases it does not matter, as there may be losing reduced annual bonus. In these cases, hiring a small franchise interesting. In any case depend on the driver's accident history, frequency and importance of their mishaps.

Moreover, an important consideration is that the exemption applies to all claims involving coverage where we hired and applies only once per claim. It is not legal to join several claims to only apply a franchise.

Our children and second conductors

Recall:
the policyholder is the person who hires, ie figure whose name the policy and pays the insurance premium car.The insured is the person who protects, the insured person would have an accident. It may be the same person who signs and pays the policy or not.And the beneficiary is one who would receive compensation in the event of the occurrence of the incident. In most cases, insured and beneficiary are the same person, however, where insurance covers death of the insured, the beneficiary of compensation is another person who is chosen by the borrower to sign the policy.Well, it is advisable that policy in providing information of all drivers, both routinely and occasionally, to drive the vehicle. If insurance company only includes data from a driver record is better than less experienced driver (the minor's age and driving license) to avoid problems in case you need to claim compensation for an accident.Insurers will cover the backs
As companies often distrust the occasional driver figure, we apply a surcharge that may be less than if the child is declared regular driver, but in any case the mark will be important (between 30 and 50 percent of the premium without bonus).I
n addition, in the event that the driver "casual" have a claim (of any type, such as broken windows), you may be expected to apply a franchise that may require us to pay between 200 and 500 euros, according to the company .
Sometimes, we can change the data raise asks insurance for young and novice drivers, as insurers either charge an exorbitant amount, or not say.First, as parents, if we try to cover the situation of a child aged 25 or putting novice driver as regular driver and car insurance policyholder, we know that if the company finds that the car is in the name of the child (as I will ask for documentation), we may reject the car insurance policy, because the risk is too obvious.
If the insurer accepts the policy, in case of accident could not receive any compensation as car insurance policyholder, we will have to bear all the expenses, and claims that servicers can claim bad faith on part, because probably the person having the accident with the car is not really the policy, but the son is not stated in the policy as the main driver.
In the best case, what can happen is that you never give one party and not have to resort to the insurance company, but, clearly, we advise you to pay a premium annually to an insurer that will give us trouble cover us when we need it, it is better to pay a little more and be well secured. Moreover, in any case, son will not gain seniority as insured. The sooner he faces the reality of insurance before they earn the right to lower premiums over the years.
We also recommend purchasing a vehicle other than sport or over 100HP, and that the premium will go up considerably.

For these cases, or the like as to put women as usual conductive since insurance is cheaper, or placing another person having more years of license or bonus, two things can happen, in case of accident, depending on the gravity:+ We do not cover anything for acting in bad faith,+ We deducted from the compensation the difference in the resulting premium if we press the right data to the main driver for insurance, ie, with adequate risk reality.

Accident or claim against uninsured vehicle

According to the Insurance Compensation Consortium and the DGT, is estimated at more than one million vehicles that currently circulate on our roads without car insurance. In 2002 saw the highest number of uninsured vehicles with about 2.66 million.In 1962 the insurance of motor vehicles became mandatory, due to the increase of Spanish fleet, in order to meet a growing need felt socially, protect victims of acts of circulation, ensuring health care and compensation up to the limit was established, run by the insurer of the vehicle causing. The obligation to ensure the vehicle is imposed in Article 2 of the Regulation on Liability and Insurance on Motor Vehicle Traffic (Royal Decree 8/2004). With mandatory coverage is intended that all responsible for a car accident can cope, through insurance, its obligation to repair the damage.Circular with a vehicle without insurance can lead to severe penalties and consequences
On the one hand economic sanctions, for tourism, driving a vehicle whose permission is required for the class B would sanction € 1500, while for a bike for € 1,250 and any vehicle that requires a permit C1, C1 + E, C, C + E, D1, D1 + E, D or D + E, 2,600 €.On the other hand, if, within 20 calendar days will not be credited to the Traffic Department compulsory insurance of the vehicle, the officers ordered the vehicle tank, having to take care of the costs incurred in this subject, in addition of the corresponding fine. There is a 50% reduction in the amount of the fine, if any payment of the penalty within 20 calendar days from the day following receipt of notification of the penalty.But what if we are involved in an accident with a vehicle that is not insured? Are we helpless?Who should pay compensation when the vehicle is uninsured otherwise?
Under existing law the Insurance Compensation Consortium is responsible for the damage to persons or property by Spanish registered vehicles moving without insurance.How do I proceed?In case you suffer a casualty or accident at a vehicle without insurance, it is important to consider and follow these tips:

    Record data make, model and license plate number otherwise. So, if he leaves the scene of the accident without leaving your data, you can identify later.
    
Tell the police to conduct the crowded.
   
 While waiting for the police, it takes all possible data on the part friendly especially the owner complete data listed in the vehicle documents (certificate) and if different driver.
    Record details of the accident witnesses if any. May testify about what happened if necessary and identify with the vehicle registration charge uninsured.
   
 Communicate the incident within seven days to your insurer. They will be responsible for handling the compensation due to the Consortium if applicable.If there is injury, who is responsible for medical expenses?
The Insurance Compensation Consortium shall assume all healthcare expenses necessary to the healing and consolidation of the aftermath and the compensation and property damage coverage for the vehicle.What about the responsibility of the vehicle without insurance?If the vehicle is declared responsible uninsured casualty or accident happened, the Insurance Compensation Consortium may require reimbursement of all expenses and damages incurred.

Tips for hiring a cheap home insurance

Should I always cheaper home insurance?
The home insurance are not standard products. These complex products where the 'fine print' of the policies is very important.
The home insurance may cover only the continent, or even the content you have in the house. They can cover more or less elements (windows, ceramic, mirrors ...) or incidents (fire, theft, flood ...). The cheapest home insurance is compulsory, it is one that only covers the continent and in case of fire. Banks require the recruitment of home insurance fire whenever you hire a mortgage to purchase a home, as the lender needs to ensure the value of the home in case a fire completely or partially diminish its value.
You may also want to protect some of the assets you have in your home, or apart from fire, want to guarantee damages against other claims. In this case, the cheaper home insurance is not necessarily the best choice for you. Insurers determine the price of home insurance by multiplying the probability of a loss (called claims frequency) by the average cost of the damage. In this result will apply other costs, such as their profit margins, administrative costs, customer acquisition, etc.. Therefore, to get a cheap home insurance, insurance companies usually remove hedges relating to items of insured property and casualty casuistry limit protected by the policy or the limits of compensation in case of occurrence the incident.
So, if you want more protection for your home, the best option is to decide what you want to protect, in which assumptions and why quantities. Once you've defined the type of policy you want, the best option is the cheapest home insurance from those that best suit your needs.How I can find cheap home insurance?
As in any purchasing decision, to find a cheap home insurance should compare all available options. It is impossible to know, a priori, what company is going to offer the cheapest insurance for the type of policy you want, since the price of it will depend largely on the assessment of the risk profile of the company to make your home. To do this, you will need to provide certain information about your home, such as your ZIP code, the height of the housing or security measures with which account it. Only once you request a custom quote you know which companies offer you cheap home insurance.To order custom budgets in different companies, you can go directly to each of them and complete the corresponding form, or you can use a home insurance comparison as it offers Kelisto prices and get major insurance companies by completing a single form. By using a price comparison, you can see which companies offer the cheapest home insurance in one place. Plus, you can compare different policies quickly and conveniently. In Kelisto you analyze the fine print of all policies so you can see what each policy offers, and thus can not just hire the cheapest home insurance, but the one that offers the best price / quality ratio.

The useful guide to compare home insurance

Why should I compare home insurance?As in any purchasing decision, compare the offers available is your only guarantee to choose the best product at the best price. Insurance is not an exception. Only by comparing home insurance you know which company offers you the best price based on the specific characteristics of the property insured, and what policy includes coverage and maximum compensation that come closest to what you're looking for.Before comparing home insurance, we must decide what kind of policy we want to hire and what kind of damage we cover. The only home insurance is compulsory which covers the value of your home in case of fire. However, it is desirable to protect the peace of the continent against other damage such as, vandalism, flooding or breaking glass, to give some examples. In terms of content, the different coverage can vary significantly between different policies, but some of the most common are broken marbles, vitro ceramic, document replacement costs or value of stolen goods. Therefore, when comparing home insurance, you should pay attention not only to price but also coverage and limits including hedges. These limits can be set to come on a specific amount (eg, up to 600 € for replacing ceramic vitro) or a percentage of insured losses.Once you have decided what coverage you consider necessary to compare home insurance that will provide the level of protection they consider appropriate and choose the cheapest.How I can compare home insurance and save on my insurance?In Spain there are more than 20 insurers offering home insurance. Most are traditional insurers, ie, those who market their products through insurance intermediaries. And others are direct insurers, operating primarily through telephone and Internet. Therefore, compare home insurance can be an arduous and difficult task, requiring a search of the leading insurers in the market, fill one by one all the various forms of insurance, and manually compare home insurance available. The comparative home insurance Kelisto born with the intention of joining the market in one place, so you can compare home insurance, in minutes, comfortably, and filling out a single form. The comparative home insurance Kelisto queried in real time on each of the insurers included, so that, with the information provided, they calculated the price of premiums.It is not possible to know in advance the price of home insurance. It is not even possible to know a priori which company will offer you a cheaper policy. This is because the prices offered are determined by the risk profile of the insured property (according to their geographical location, height, security measures they have, etc..) And limit the quantities to insure. Therefore, to compare home insurance, you need to provide the data that insurers need to set different budgets to the circumstances of each case.All insurance companies included in the comparison have a high reputation. Both in the case of traditional insurers, where we have the largest insurance market in terms of turnover, as in the case of direct insurers, except Hotline (which is part of Bankinter), are part of large insurance groups. Therefore, when comparing different home insurance, you can choose the one that offers the coverage you need at the cheapest price, as insurers enjoy associated maximum guarantees.