{
  "name": "AI share of voice in European motor and travel insurance",
  "description": "How often insurers, brokers and comparison sites are named when consumers ask OpenAI, Gemini and Claude unbranded questions about compulsory motor liability (MTPL), motor hull (casco) and travel insurance in 27 European markets.",
  "batchId": "sov-batch-2026-09-24_12-29-39, sov-batch-2026-10-05_15-47-40",
  "firstMeasuredOn": "2026-09-24",
  "measuredOn": "2026-10-05",
  "notes": [
    "143 answers from gpt-5.4-mini were excluded from this report.",
    "Claude answers: 118 used default settings; 458 were capped at 10 web searches per answer with low reasoning effort. OpenAI figures use gpt-5.6 only."
  ],
  "method": {
    "questions": "Six unbranded discovery questions per product and market, written in the local language, asked with live web search enabled and retrieval located in the capital city. No system prompt.",
    "sample": "Each question was asked twice to each of three assistants: 36 answers per market and product, before failed or excluded calls.",
    "detection": "Brands are found with a fixed per-market catalogue of names, aliases and domains. A brand counts at most once per answer. Rank is the order of first mention. Brands outside the catalogue are not counted.",
    "aggregation": "Metrics are computed per assistant and then averaged with equal weight, so one assistant's response volume cannot dominate. Failed calls are excluded from denominators."
  },
  "models": [
    "gemini-3.6-flash",
    "gpt-5.6",
    "claude-sonnet-5"
  ],
  "countries": [
    {
      "code": "AT",
      "name": "Austria"
    },
    {
      "code": "BE",
      "name": "Belgium"
    },
    {
      "code": "BG",
      "name": "Bulgaria"
    },
    {
      "code": "HR",
      "name": "Croatia"
    },
    {
      "code": "CY",
      "name": "Cyprus"
    },
    {
      "code": "CZ",
      "name": "Czech Republic"
    },
    {
      "code": "DK",
      "name": "Denmark"
    },
    {
      "code": "EE",
      "name": "Estonia"
    },
    {
      "code": "FI",
      "name": "Finland"
    },
    {
      "code": "FR",
      "name": "France"
    },
    {
      "code": "DE",
      "name": "Germany"
    },
    {
      "code": "GR",
      "name": "Greece"
    },
    {
      "code": "HU",
      "name": "Hungary"
    },
    {
      "code": "IE",
      "name": "Ireland"
    },
    {
      "code": "IT",
      "name": "Italy"
    },
    {
      "code": "LV",
      "name": "Latvia"
    },
    {
      "code": "LT",
      "name": "Lithuania"
    },
    {
      "code": "LU",
      "name": "Luxembourg"
    },
    {
      "code": "MT",
      "name": "Malta"
    },
    {
      "code": "NL",
      "name": "Netherlands"
    },
    {
      "code": "PL",
      "name": "Poland"
    },
    {
      "code": "PT",
      "name": "Portugal"
    },
    {
      "code": "RO",
      "name": "Romania"
    },
    {
      "code": "SK",
      "name": "Slovakia"
    },
    {
      "code": "SI",
      "name": "Slovenia"
    },
    {
      "code": "ES",
      "name": "Spain"
    },
    {
      "code": "SE",
      "name": "Sweden"
    }
  ],
  "products": [
    {
      "id": "mtpl",
      "label": "MTPL"
    },
    {
      "id": "casco",
      "label": "Casco"
    },
    {
      "id": "travel-insurance",
      "label": "Travel"
    }
  ],
  "reports": [
    {
      "country": "AT",
      "product": "mtpl",
      "catalogueSize": 34,
      "detectedBrands": 27,
      "validAnswers": 34,
      "groundedShare": 0.9706,
      "split": {
        "insurer": 0.719,
        "distributor": 0.2019,
        "other": 0.0791
      },
      "question": "Welche ist die beste Kfz-Haftpflichtversicherung in Österreich?",
      "brands": [
        {
          "id": "durchblicker",
          "name": "durchblicker.at",
          "type": "comparison-platform",
          "group": null,
          "presence": 0.098,
          "visibility": 0.8222,
          "firstChoice": 0.3444,
          "weighted": 0.164,
          "citation": 0.2636,
          "rank": 5.1071,
          "byModel": {
            "openai": 0.1026,
            "gemini": 0.0694,
            "claude": 0.122
          }
        },
        {
          "id": "generali",
          "name": "Generali",
          "type": "insurer",
          "group": "Generali",
          "presence": 0.0695,
          "visibility": 0.6389,
          "firstChoice": 0.0611,
          "weighted": 0.0682,
          "citation": 0,
          "rank": 5.3636,
          "byModel": {
            "openai": 0.0641,
            "gemini": 0.0833,
            "claude": 0.061
          }
        },
        {
          "id": "check24",
          "name": "CHECK24",
          "type": "comparison-platform",
          "group": null,
          "presence": 0.0658,
          "visibility": 0.55,
          "firstChoice": 0.0333,
          "weighted": 0.0613,
          "citation": 0.1742,
          "rank": 7.2631,
          "byModel": {
            "openai": 0.0513,
            "gemini": 0.0486,
            "claude": 0.0976
          }
        },
        {
          "id": "zurich",
          "name": "Zurich",
          "type": "insurer",
          "group": "Zurich",
          "presence": 0.0633,
          "visibility": 0.5889,
          "firstChoice": 0.0611,
          "weighted": 0.0652,
          "citation": 0.0288,
          "rank": 5.45,
          "byModel": {
            "openai": 0.0769,
            "gemini": 0.0764,
            "claude": 0.0366
          }
        },
        {
          "id": "uniqa",
          "name": "UNIQA",
          "type": "insurer",
          "group": "UNIQA",
          "presence": 0.0631,
          "visibility": 0.5833,
          "firstChoice": 0.0333,
          "weighted": 0.0529,
          "citation": 0,
          "rank": 6.1,
          "byModel": {
            "openai": 0.0641,
            "gemini": 0.0764,
            "claude": 0.0488
          }
        },
        {
          "id": "wiener-staedtische",
          "name": "Wiener Städtische",
          "type": "insurer",
          "group": "VIG",
          "presence": 0.0606,
          "visibility": 0.55,
          "firstChoice": 0,
          "weighted": 0.0374,
          "citation": 0,
          "rank": 6.8947,
          "byModel": {
            "openai": 0.0513,
            "gemini": 0.0694,
            "claude": 0.061
          }
        },
        {
          "id": "allianz",
          "name": "Allianz",
          "type": "insurer",
          "group": "Allianz",
          "presence": 0.0602,
          "visibility": 0.5278,
          "firstChoice": 0,
          "weighted": 0.0408,
          "citation": 0.0167,
          "rank": 6.0556,
          "byModel": {
            "openai": 0.0641,
            "gemini": 0.0556,
            "claude": 0.061
          }
        },
        {
          "id": "muki",
          "name": "muki Versicherungsverein",
          "type": "insurer",
          "group": null,
          "presence": 0.0593,
          "visibility": 0.4778,
          "firstChoice": 0.1,
          "weighted": 0.0799,
          "citation": 0.0121,
          "rank": 3.75,
          "byModel": {
            "openai": 0.0769,
            "gemini": 0.0278,
            "claude": 0.0732
          }
        },
        {
          "id": "smile",
          "name": "smile.direct",
          "type": "insurer",
          "group": "Helvetia",
          "presence": 0.0554,
          "visibility": 0.4667,
          "firstChoice": 0.1667,
          "weighted": 0.1073,
          "citation": 0,
          "rank": 2.4375,
          "byModel": {
            "openai": 0.0513,
            "gemini": 0.0417,
            "claude": 0.0732
          }
        },
        {
          "id": "vav",
          "name": "VAV Versicherung",
          "type": "insurer",
          "group": null,
          "presence": 0.055,
          "visibility": 0.5278,
          "firstChoice": 0.0833,
          "weighted": 0.0633,
          "citation": 0.0349,
          "rank": 4.7778,
          "byModel": {
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            "gemini": 0.0764,
            "claude": 0.0244
          }
        },
        {
          "id": "oeamtc",
          "name": "ÖAMTC",
          "type": "automobile-club",
          "group": null,
          "presence": 0.0524,
          "visibility": 0.4944,
          "firstChoice": 0,
          "weighted": 0.0297,
          "citation": 0.1439,
          "rank": 8.1176,
          "byModel": {
            "openai": 0.0513,
            "gemini": 0.0694,
            "claude": 0.0366
          }
        },
        {
          "id": "vlv",
          "name": "Vorarlberger Landes-Versicherung",
          "type": "insurer",
          "group": null,
          "presence": 0.0399,
          "visibility": 0.3167,
          "firstChoice": 0,
          "weighted": 0.0376,
          "citation": 0.0076,
          "rank": 4.3636,
          "byModel": {
            "openai": 0.0256,
            "gemini": 0.0208,
            "claude": 0.0732
          }
        }
      ]
    },
    {
      "country": "AT",
      "product": "casco",
      "catalogueSize": 34,
      "detectedBrands": 26,
      "validAnswers": 33,
      "groundedShare": 0.9091,
      "split": {
        "insurer": 0.7226,
        "distributor": 0.2254,
        "other": 0.052
      },
      "question": "Welche ist die beste Kaskoversicherung für Autos in Österreich?",
      "brands": [
        {
          "id": "durchblicker",
          "name": "durchblicker.at",
          "type": "comparison-platform",
          "group": null,
          "presence": 0.1172,
          "visibility": 0.8426,
          "firstChoice": 0.2963,
          "weighted": 0.1525,
          "citation": 0.2036,
          "rank": 4.75,
          "byModel": {
            "openai": 0.1148,
            "gemini": 0.0862,
            "claude": 0.1507
          }
        },
        {
          "id": "zurich",
          "name": "Zurich",
          "type": "insurer",
          "group": "Zurich",
          "presence": 0.0763,
          "visibility": 0.5926,
          "firstChoice": 0.1018,
          "weighted": 0.0773,
          "citation": 0.0674,
          "rank": 4.9,
          "byModel": {
            "openai": 0.0656,
            "gemini": 0.0948,
            "claude": 0.0685
          }
        },
        {
          "id": "generali",
          "name": "Generali",
          "type": "insurer",
          "group": "Generali",
          "presence": 0.0744,
          "visibility": 0.5926,
          "firstChoice": 0.1204,
          "weighted": 0.0901,
          "citation": 0.0329,
          "rank": 4.0526,
          "byModel": {
            "openai": 0.1148,
            "gemini": 0.0948,
            "claude": 0.0137
          }
        },
        {
          "id": "check24",
          "name": "CHECK24",
          "type": "comparison-platform",
          "group": null,
          "presence": 0.073,
          "visibility": 0.5278,
          "firstChoice": 0,
          "weighted": 0.0567,
          "citation": 0.1128,
          "rank": 5.4445,
          "byModel": {
            "openai": 0.0492,
            "gemini": 0.0603,
            "claude": 0.1096
          }
        },
        {
          "id": "vav",
          "name": "VAV Versicherung",
          "type": "insurer",
          "group": null,
          "presence": 0.0715,
          "visibility": 0.5463,
          "firstChoice": 0.0278,
          "weighted": 0.0571,
          "citation": 0.1097,
          "rank": 5,
          "byModel": {
            "openai": 0.082,
            "gemini": 0.0776,
            "claude": 0.0548
          }
        },
        {
          "id": "muki",
          "name": "muki Versicherungsverein",
          "type": "insurer",
          "group": null,
          "presence": 0.067,
          "visibility": 0.4537,
          "firstChoice": 0.037,
          "weighted": 0.0631,
          "citation": 0,
          "rank": 4.4667,
          "byModel": {
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            "gemini": 0.0259,
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          }
        },
        {
          "id": "allianz",
          "name": "Allianz",
          "type": "insurer",
          "group": "Allianz",
          "presence": 0.0669,
          "visibility": 0.5185,
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          "citation": 0.0716,
          "rank": 4.4118,
          "byModel": {
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          }
        },
        {
          "id": "smile",
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          "rank": 2.3333,
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          }
        },
        {
          "id": "vlv",
          "name": "Vorarlberger Landes-Versicherung",
          "type": "insurer",
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        },
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          "id": "uniqa",
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          }
        },
        {
          "id": "oeamtc",
          "name": "ÖAMTC",
          "type": "automobile-club",
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          "visibility": 0.3241,
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            "claude": 0.0137
          }
        },
        {
          "id": "ergo",
          "name": "ERGO",
          "type": "insurer",
          "group": "ERGO",
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          }
        }
      ]
    },
    {
      "country": "AT",
      "product": "travel-insurance",
      "catalogueSize": 34,
      "detectedBrands": 18,
      "validAnswers": 33,
      "groundedShare": 0.9394,
      "split": {
        "insurer": 0.6508,
        "distributor": 0.2383,
        "other": 0.111
      },
      "question": "Welche ist die beste Reiseversicherung für Menschen aus Österreich, die ins Ausland reisen?",
      "brands": [
        {
          "id": "allianz",
          "name": "Allianz",
          "type": "insurer",
          "group": "Allianz",
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          }
        },
        {
          "id": "hansemerkur",
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          "rank": 2.1786,
          "byModel": {
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            "gemini": 0.1277,
            "claude": 0.129
          }
        },
        {
          "id": "europaeische",
          "name": "Europäische Reiseversicherung",
          "type": "insurer",
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        },
        {
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        },
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        },
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          "id": "wiener-staedtische",
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        },
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        },
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        },
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          "id": "arboe",
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          "type": "automobile-club",
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        },
        {
          "id": "generali",
          "name": "Generali",
          "type": "insurer",
          "group": "Generali",
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          "firstChoice": 0,
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            "gemini": 0.0532,
            "claude": 0.0323
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        },
        {
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          "type": "comparison-platform",
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          "presence": 0.0215,
          "visibility": 0.1111,
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          "weighted": 0.01,
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          "rank": 5.5,
          "byModel": {
            "openai": 0,
            "gemini": 0,
            "claude": 0.0645
          }
        }
      ]
    },
    {
      "country": "BE",
      "product": "mtpl",
      "catalogueSize": 22,
      "detectedBrands": 15,
      "validAnswers": 36,
      "groundedShare": 1,
      "split": {
        "insurer": 0.8238,
        "distributor": 0.1502,
        "other": 0.026
      },
      "question": "Wat is de beste BA-autoverzekering in België?",
      "brands": [
        {
          "id": "test-aankoop",
          "name": "Test-Aankoop",
          "type": "comparison-platform",
          "group": null,
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          }
        },
        {
          "id": "baloise",
          "name": "Baloise",
          "type": "insurer",
          "group": "Baloise",
          "presence": 0.1455,
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        },
        {
          "id": "kbc",
          "name": "KBC",
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          "group": "KBC",
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