{
  "name": "European Insurance Document Transparency",
  "description": "Per-market measurement of which published insurance offers carry an IPID and policy terms, how many cited documents can still be retrieved, how many coverage claims carry a source, and how fresh the last review is.",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "citation": "Boleron EU, European Insurance Document Transparency, boleron.eu",
  "measuredOn": "2026-09-13",
  "method": {
    "documentAvailability": "An offer counts as carrying an IPID or terms when its fixture publishes a document whose declared type names one.",
    "documentReachability": "Every cited URL was fetched once and hashed. Unreachable counts only 404, 410 and failed connections; 403 and 405 are excluded because they read as bot-blocking under a sustained crawl rather than a missing document.",
    "sourceCoverage": "A coverage claim counts as sourced when it carries a source URL.",
    "freshness": "Measured from each offer's last_verified date against the measurement date.",
    "reviewFlag": "Offers the extraction pipeline marked as needing human review, reported as-is and not as a quality judgement."
  },
  "totals": {
    "offers": 1374,
    "offersWithIpid": 930,
    "offersWithTerms": 1147,
    "offersWithAnyDocument": 1334,
    "documents": 4012,
    "documentsUnreachable": 435,
    "coverageClaims": 15956,
    "coverageClaimsWithSource": 15801,
    "offersVerifiedWithin90Days": 1336,
    "offersFlaggedForReview": 265
  },
  "countries": [
    {
      "country": "austria",
      "offers": 61,
      "offersWithIpid": 52,
      "offersWithTerms": 57,
      "offersWithAnyDocument": 61,
      "documents": 240,
      "documentsUnreachable": 17,
      "coverageClaims": 636,
      "coverageClaimsWithSource": 634,
      "offersVerifiedWithin90Days": 61,
      "offersFlaggedForReview": 11
    },
    {
      "country": "belgium",
      "offers": 53,
      "offersWithIpid": 44,
      "offersWithTerms": 45,
      "offersWithAnyDocument": 53,
      "documents": 195,
      "documentsUnreachable": 15,
      "coverageClaims": 582,
      "coverageClaimsWithSource": 569,
      "offersVerifiedWithin90Days": 50,
      "offersFlaggedForReview": 8
    },
    {
      "country": "bulgaria",
      "offers": 42,
      "offersWithIpid": 34,
      "offersWithTerms": 27,
      "offersWithAnyDocument": 41,
      "documents": 102,
      "documentsUnreachable": 5,
      "coverageClaims": 506,
      "coverageClaimsWithSource": 497,
      "offersVerifiedWithin90Days": 42,
      "offersFlaggedForReview": 2
    },
    {
      "country": "croatia",
      "offers": 40,
      "offersWithIpid": 29,
      "offersWithTerms": 31,
      "offersWithAnyDocument": 39,
      "documents": 120,
      "documentsUnreachable": 17,
      "coverageClaims": 459,
      "coverageClaimsWithSource": 458,
      "offersVerifiedWithin90Days": 40,
      "offersFlaggedForReview": 13
    },
    {
      "country": "cyprus",
      "offers": 47,
      "offersWithIpid": 15,
      "offersWithTerms": 16,
      "offersWithAnyDocument": 43,
      "documents": 95,
      "documentsUnreachable": 7,
      "coverageClaims": 494,
      "coverageClaimsWithSource": 486,
      "offersVerifiedWithin90Days": 46,
      "offersFlaggedForReview": 23
    },
    {
      "country": "czechia",
      "offers": 44,
      "offersWithIpid": 29,
      "offersWithTerms": 42,
      "offersWithAnyDocument": 43,
      "documents": 131,
      "documentsUnreachable": 9,
      "coverageClaims": 544,
      "coverageClaimsWithSource": 537,
      "offersVerifiedWithin90Days": 44,
      "offersFlaggedForReview": 6
    },
    {
      "country": "denmark",
      "offers": 76,
      "offersWithIpid": 60,
      "offersWithTerms": 72,
      "offersWithAnyDocument": 75,
      "documents": 192,
      "documentsUnreachable": 58,
      "coverageClaims": 932,
      "coverageClaimsWithSource": 931,
      "offersVerifiedWithin90Days": 76,
      "offersFlaggedForReview": 26
    },
    {
      "country": "estonia",
      "offers": 34,
      "offersWithIpid": 22,
      "offersWithTerms": 26,
      "offersWithAnyDocument": 32,
      "documents": 91,
      "documentsUnreachable": 13,
      "coverageClaims": 391,
      "coverageClaimsWithSource": 391,
      "offersVerifiedWithin90Days": 34,
      "offersFlaggedForReview": 12
    },
    {
      "country": "finland",
      "offers": 25,
      "offersWithIpid": 15,
      "offersWithTerms": 23,
      "offersWithAnyDocument": 25,
      "documents": 74,
      "documentsUnreachable": 3,
      "coverageClaims": 296,
      "coverageClaimsWithSource": 288,
      "offersVerifiedWithin90Days": 23,
      "offersFlaggedForReview": 7
    },
    {
      "country": "france",
      "offers": 46,
      "offersWithIpid": 28,
      "offersWithTerms": 38,
      "offersWithAnyDocument": 44,
      "documents": 126,
      "documentsUnreachable": 15,
      "coverageClaims": 510,
      "coverageClaimsWithSource": 504,
      "offersVerifiedWithin90Days": 45,
      "offersFlaggedForReview": 14
    },
    {
      "country": "germany",
      "offers": 180,
      "offersWithIpid": 81,
      "offersWithTerms": 164,
      "offersWithAnyDocument": 176,
      "documents": 540,
      "documentsUnreachable": 52,
      "coverageClaims": 2055,
      "coverageClaimsWithSource": 2048,
      "offersVerifiedWithin90Days": 180,
      "offersFlaggedForReview": 43
    },
    {
      "country": "greece",
      "offers": 66,
      "offersWithIpid": 42,
      "offersWithTerms": 37,
      "offersWithAnyDocument": 62,
      "documents": 158,
      "documentsUnreachable": 38,
      "coverageClaims": 694,
      "coverageClaimsWithSource": 694,
      "offersVerifiedWithin90Days": 65,
      "offersFlaggedForReview": 3
    },
    {
      "country": "hungary",
      "offers": 41,
      "offersWithIpid": 32,
      "offersWithTerms": 41,
      "offersWithAnyDocument": 41,
      "documents": 147,
      "documentsUnreachable": 16,
      "coverageClaims": 496,
      "coverageClaimsWithSource": 495,
      "offersVerifiedWithin90Days": 39,
      "offersFlaggedForReview": 4
    },
    {
      "country": "ireland",
      "offers": 26,
      "offersWithIpid": 18,
      "offersWithTerms": 25,
      "offersWithAnyDocument": 26,
      "documents": 76,
      "documentsUnreachable": 1,
      "coverageClaims": 363,
      "coverageClaimsWithSource": 355,
      "offersVerifiedWithin90Days": 25,
      "offersFlaggedForReview": 6
    },
    {
      "country": "italy",
      "offers": 78,
      "offersWithIpid": 62,
      "offersWithTerms": 71,
      "offersWithAnyDocument": 76,
      "documents": 261,
      "documentsUnreachable": 23,
      "coverageClaims": 937,
      "coverageClaimsWithSource": 927,
      "offersVerifiedWithin90Days": 73,
      "offersFlaggedForReview": 15
    },
    {
      "country": "latvia",
      "offers": 27,
      "offersWithIpid": 23,
      "offersWithTerms": 21,
      "offersWithAnyDocument": 26,
      "documents": 94,
      "documentsUnreachable": 9,
      "coverageClaims": 306,
      "coverageClaimsWithSource": 305,
      "offersVerifiedWithin90Days": 27,
      "offersFlaggedForReview": 6
    },
    {
      "country": "lithuania",
      "offers": 26,
      "offersWithIpid": 22,
      "offersWithTerms": 22,
      "offersWithAnyDocument": 26,
      "documents": 76,
      "documentsUnreachable": 6,
      "coverageClaims": 289,
      "coverageClaimsWithSource": 286,
      "offersVerifiedWithin90Days": 23,
      "offersFlaggedForReview": 10
    },
    {
      "country": "luxembourg",
      "offers": 17,
      "offersWithIpid": 15,
      "offersWithTerms": 14,
      "offersWithAnyDocument": 17,
      "documents": 57,
      "documentsUnreachable": 11,
      "coverageClaims": 196,
      "coverageClaimsWithSource": 180,
      "offersVerifiedWithin90Days": 16,
      "offersFlaggedForReview": 7
    },
    {
      "country": "malta",
      "offers": 17,
      "offersWithIpid": 12,
      "offersWithTerms": 12,
      "offersWithAnyDocument": 15,
      "documents": 51,
      "documentsUnreachable": 0,
      "coverageClaims": 197,
      "coverageClaimsWithSource": 197,
      "offersVerifiedWithin90Days": 13,
      "offersFlaggedForReview": 3
    },
    {
      "country": "netherlands",
      "offers": 93,
      "offersWithIpid": 75,
      "offersWithTerms": 86,
      "offersWithAnyDocument": 93,
      "documents": 314,
      "documentsUnreachable": 12,
      "coverageClaims": 1140,
      "coverageClaimsWithSource": 1127,
      "offersVerifiedWithin90Days": 92,
      "offersFlaggedForReview": 16
    },
    {
      "country": "poland",
      "offers": 82,
      "offersWithIpid": 57,
      "offersWithTerms": 70,
      "offersWithAnyDocument": 78,
      "documents": 201,
      "documentsUnreachable": 24,
      "coverageClaims": 959,
      "coverageClaimsWithSource": 959,
      "offersVerifiedWithin90Days": 81,
      "offersFlaggedForReview": 2
    },
    {
      "country": "portugal",
      "offers": 44,
      "offersWithIpid": 27,
      "offersWithTerms": 35,
      "offersWithAnyDocument": 41,
      "documents": 116,
      "documentsUnreachable": 19,
      "coverageClaims": 535,
      "coverageClaimsWithSource": 535,
      "offersVerifiedWithin90Days": 44,
      "offersFlaggedForReview": 9
    },
    {
      "country": "romania",
      "offers": 41,
      "offersWithIpid": 32,
      "offersWithTerms": 26,
      "offersWithAnyDocument": 40,
      "documents": 93,
      "documentsUnreachable": 10,
      "coverageClaims": 477,
      "coverageClaimsWithSource": 477,
      "offersVerifiedWithin90Days": 41,
      "offersFlaggedForReview": 2
    },
    {
      "country": "slovakia",
      "offers": 34,
      "offersWithIpid": 28,
      "offersWithTerms": 33,
      "offersWithAnyDocument": 34,
      "documents": 112,
      "documentsUnreachable": 13,
      "coverageClaims": 408,
      "coverageClaimsWithSource": 408,
      "offersVerifiedWithin90Days": 34,
      "offersFlaggedForReview": 9
    },
    {
      "country": "slovenia",
      "offers": 22,
      "offersWithIpid": 20,
      "offersWithTerms": 22,
      "offersWithAnyDocument": 22,
      "documents": 85,
      "documentsUnreachable": 22,
      "coverageClaims": 272,
      "coverageClaimsWithSource": 270,
      "offersVerifiedWithin90Days": 22,
      "offersFlaggedForReview": 2
    },
    {
      "country": "spain",
      "offers": 73,
      "offersWithIpid": 31,
      "offersWithTerms": 53,
      "offersWithAnyDocument": 66,
      "documents": 161,
      "documentsUnreachable": 6,
      "coverageClaims": 834,
      "coverageClaimsWithSource": 796,
      "offersVerifiedWithin90Days": 62,
      "offersFlaggedForReview": 0
    },
    {
      "country": "sweden",
      "offers": 39,
      "offersWithIpid": 25,
      "offersWithTerms": 38,
      "offersWithAnyDocument": 39,
      "documents": 104,
      "documentsUnreachable": 14,
      "coverageClaims": 448,
      "coverageClaimsWithSource": 447,
      "offersVerifiedWithin90Days": 38,
      "offersFlaggedForReview": 6
    }
  ]
}