Transparency dataset
How transparent is the insurance data in Boleron's European catalogue?
Which insurance products in Boleron's European catalogue publish the documents a buyer needs, and whether those documents can still be retrieved. Every figure below is counted from that catalogue, not estimated or surveyed, and describes the catalogue rather than the whole insurance market.
Compiled by: Desislava Tsvetkova, Boleron EU
- IPID published
- 67%−0.8 pt
- Terms published
- 84%+0.1 pt
- Cited documents unreachable
- 7%−1.4 pt
- Coverage claims with a source
- 99%+0.3 pt
Change in percentage points since 2026-09-14. Other pages may show a different offer count if they were generated on another date.
Markets
By market
How each of the 27 markets performs across the transparency criteria. Select a column to sort.
- Lowest IPID availabilityCyprus · 34%
- Lowest terms availabilityCyprus · 32%
- Highest unreachable shareDenmark · 20%
 Austria | 61 | 85% | 93% | 2% | 99% | 100% |
|---|---|---|---|---|---|---|
 Belgium | 54 | 83% | 85% | 4% | 98% | 94% |
 Bulgaria | 42 | 83% | 69% | 2% | 100% | 100% |
 Croatia | 40 | 73% | 78% | 6% | 100% | 100% |
 Cyprus | 47 | 34% | 32% | 6% | 100% | 98% |
 Czechia | 44 | 64% | 95% | 7% | 99% | 100% |
 Denmark | 76 | 79% | 95% | 20% | 100% | 100% |
 Estonia | 34 | 68% | 76% | 2% | 100% | 100% |
 Finland | 25 | 60% | 92% | 3% | 99% | 92% |
 France | 46 | 59% | 83% | 11% | 99% | 98% |
 Germany | 187 | 42% | 91% | 6% | 100% | 100% |
 Greece | 66 | 64% | 56% | 13% | 99% | 98% |
 Hungary | 41 | 76% | 100% | 10% | 100% | 95% |
 Ireland | 26 | 69% | 96% | 1% | 98% | 96% |
 Italy | 79 | 77% | 91% | 4% | 99% | 94% |
 Latvia | 27 | 85% | 81% | 8% | 100% | 100% |
 Lithuania | 26 | 81% | 77% | 3% | 99% | 96% |
 Luxembourg | 17 | 88% | 82% | 19% | 97% | 94% |
 Malta | 17 | 76% | 82% | 0% | 100% | 82% |
 Netherlands | 93 | 81% | 92% | 2% | 99% | 99% |
 Poland | 79 | 71% | 84% | 12% | 100% | 99% |
 Portugal | 44 | 61% | 80% | 10% | 100% | 100% |
 Romania | 38 | 74% | 61% | 1% | 100% | 100% |
 Slovakia | 34 | 82% | 97% | 8% | 100% | 100% |
 Slovenia | 22 | 91% | 100% | 14% | 99% | 100% |
 Spain | 71 | 41% | 72% | 3% | 97% | 1% |
 Sweden | 39 | 62% | 97% | 1% | 100% | 97% |
Method
How it was measured
- Document Availability
- An offer counts as carrying an IPID or terms when its fixture publishes a document whose declared type names one.
- Document Reachability
- 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.
- Source Coverage
- 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.
- Review Flag
- Offers the extraction pipeline marked as needing human review, reported as-is and not as a quality judgement.
Limitations
What this does not say
- Availability is measured on what Boleron publishes for a market, not on every product sold there. A market with few measured offers says little about the market as a whole.
- A document counts by its declared type. An insurer publishing an IPID under an unusual label is counted as not publishing one.
- Unreachable counts only 404, 410 and failed connections. Servers that refused the request with 403 or 405 are excluded, because under a sustained crawl that reads as blocking rather than a missing document.
- Reachability is a single measurement on the date shown. A document may have returned since, or gone since.
- Carrying a source URL is not the same as the source supporting the claim. Clause-level evidence is not measured here.
Why this matters for AI-driven insurance
When a product document is missing, unreachable or carries no source, an assistant has less evidence to explain the coverage or compare the product. These counts show where Boleron's catalogue has that evidence and where it does not.
See how structured, source-linked product information makes your products easier to discover and compare through AI.
Explore the insurer programmeFor developers and AI agentsRead the same catalogue through the discovery API, with every claim linked to the document it came from.
See how agents use itLicensed under CC BY 4.0. Cite as: Boleron EU, European Insurance Document Transparency, boleron.eu, measured 2026-10-23.
More research
Who AI assistants name
Which insurers, brokers and comparison sites OpenAI, Gemini and Claude name for motor and travel insurance across Europe.
Findings from reviewed offers
Single coverage questions answered by counting only offers a Boleron reviewer has passed, each with a measurement date and a citation line.