Factmark InsuranceLive

German insurance terms, verified for every agent.

Waiting periods, limits, exclusions and deductibles from each insurer's own documents, tied to clause, page and quote. Agents ask once and get an answer the customer can check.

For insurers
172facts verified, each with clause, page and quote
7insurers mapped from their own websites
680pages of terms read so far

What agents can ask about today.

Analysed products have every comparison field verified. Mapped products have their documents and structure in place; agents get the source document and a clear “not analysed yet”.

Legal expenses insuranceGermany · 24 fields
  • ARAGAnalysed174 p.
  • ROLANDAnalysed182 p.
  • WGVAnalysed26 p.
  • ADVOCARDMapped43 p.
  • DEVKMapped141 p.
  • HUK-COBURGMapped37 p.
Personal liability insuranceGermany · 22 fields
  • AllianzMapped32 p.
  • ARAGMapped68 p.
  • DEVKMapped100 p.
  • HUK-COBURGMapped24 p.
  • WGVMapped30 p.
Home contents insuranceGermany · 8 fields
  • Schema ready. Documents are next.
Snapshot from 7 November 2026Your product missing? Tell us which one.

One question, every insurer, every clause.

The answers differ by insurer and by tariff, and the difference is in the small print. Agents get the whole row in one call instead of reading three PDFs with more than 380 pages between them.

How long is the waiting period for employment law disputes?compare · wait_employment
Insurer and tariffWaiting periodClause
ARAG Aktiv-Rechtsschutz Kompakt6 months§ 4 (5) · S. 40
ARAG Aktiv-Rechtsschutz Komfort3 months§ 4 (5) · S. 40
ARAG Aktiv-Rechtsschutz Premium3 months§ 4 (5) · S. 40
ROLAND Basis-Paket6 monthsPBV-Ba 6.1 · S. 146
ROLAND Komfort-Paket3 monthsA 6.1.1 · S. 44
ROLAND Premium-Paket3 monthsA 6.1.1 · S. 44
WGV BASIS3 months3.1.1 · S. 14
WGV OPTIMAL3 months3.1.1 · S. 14
Live values from the current documents. Two entry tariffs wait six months instead of three.

The fields customers actually ask about.

Every product type has a fixed set of comparison fields, the same for every insurer. Questions outside the fields go to full-text search over the cited clauses.

Legal expenses

24 fields

  • Sum insured, Europe
  • Sum insured, worldwide
  • Deductible
  • General waiting period
  • Waiting period, contract law
  • Waiting period, employment law
  • Waiting period, tax and social law
  • Waiting period, divorce
  • Traffic cover
  • Tenant and landlord
  • Termination agreement
  • Self-employed side activity
  • Cost of advice only
  • Cryptocurrencies
  • Securities
  • Construction disputes
  • Cyber and internet
  • Cases before the contract
  • …

Personal liability

22 fields

  • Sum insured
  • Deductible
  • Co-insured persons
  • Children below the age of liability
  • Lost keys, private
  • Lost keys, work
  • Damage to rented property
  • Borrowed items
  • Default cover
  • Damage when doing a favour
  • Stays abroad
  • E-scooters
  • Drones
  • Animals
  • Internet and data damage
  • Gross negligence
  • …

Home contents

8 fields

  • Sum insured and underinsurance waiver
  • Bicycle theft
  • Gross negligence
  • Natural hazards
  • Limit for valuables
  • Power surge
  • Theft from a car
  • Cover outside the home

Insurance document order. When documents disagree, the higher one wins, and the record keeps both with their pages. Existing contracts are answered with the version that applied on the contract date.

  1. 1Tariff sheettariff-specific deviations
  2. 2Module conditionsper building block
  3. 3General conditionsthe policy terms
  4. 4Overview tablebenefit summary

For insurers: claim your record.

We have already read your public terms. Claim the record, confirm or correct each fact, and see how AI assistants describe your tariffs today.

  1. 1
    Claim your recordSign in with your company domain.
  2. 2
    Confirm or correct each factEvery fact shows its clause, page and quote. Add effective dates and documents we missed.
  3. 3
    Show the sealAgents and customers see which facts you confirmed, for which document version.

Payment never changes a fact, a verdict or an order.

Shown only on records the insurer has claimed and confirmed. See everything insurers can do on the platform overview.

Connect an agent in a minute.

Add the Factmark Insurance address as a custom connector in Claude, or call it from your own agent. No key, no login. It answers only about insurance; the general address mcp.factmark.app covers every product line. Product types: de.rechtsschutz, de.privathaftpflicht, de.hausrat.

https://mcp.factmark.app/insurance

In Claude: Settings, Connectors, Add custom connector, paste the address. Then ask, for example: “Compare the waiting period for employment law at ARAG, ROLAND and WGV.”

Tool list, limits and a request example are on the developer section. Machine-readable summary: llms.txt.

tools/call · comparerequest
{ "name": "compare",
  "arguments": {
    "product_type": "Rechtsschutz",
    "fields": ["wait_employment"],
    "companies": ["ARAG", "ROLAND", "WGV"] } }

// one row per insurer and tariff, each with
// value, ref, page and the verbatim anchor

See how agents describe your tariffs today.

We run your customers' top questions through ChatGPT, Claude and Gemini and show you what they get right and wrong, with the clauses that prove it.

hello@factmark.app