Original research · Insurance & Finance

Allianz.

Last measured · 18 May 2026 Wave · Q2-2026-PILOT Tier · proprietary Confidence · C
Brand
Allianz SE
Agent success

Comparison portals capture the category before allianz.de.

Bottleneck Interception
Intercepted before the brand is the answer.
3.2 /10
Agent Success Score estimate
AI Visibility 20 / 100

Found & recommended by AI agents

AI Usability 30 / 100

Can an agent use the surface to get the job done

Coverage · 1 of 6 lanes measured Commerce lane · Wave Q2-2026-PILOT
Commerce 3.2
Talent
After-sales
Procurement
Investor
Press

This page measures the commerce lane: can an agent find Allianz, and once it arrives, transact. Talent, after-sales, procurement, investor and press lanes run on different surfaces and are not yet measured.

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The test

Invested in AI accessibility. Two of five agent types are blocked before reaching the calculator.

We asked five kinds of AI agent to get a Kfz-Versicherung quote at allianz.de. A browser agent ran the full quote wizard three times with no login, landing between €420 and €432. But the simplest agents never got in: a plain fetch was turned away with a 403, even though the price sits right there in the page. And before any of that, broad insurance queries route through Check24 and Verivox, so an agent often never reaches allianz.de at all.

One label, many breeds. From a plain reader to an autonomous operator, the kinds behind ChatGPT, Perplexity, and Claude Code:

Plain reader reads your raw page text, no browser Blocked
Search assistant finds you through search Partial
Coding agent a script hitting your site Blocked
Computer-use agent clicks and types like a person Succeeded
Autonomous operator runs the whole task unattended Succeeded

Blocked somewhere on the path: Plain reader, Coding agent. A customer whose assistant runs on one of those breeds never finishes the task.

Scope. This is one product. Allianz sells motor, home, life, health, travel, and liability insurance, each with its own calculator.

Commerce lane

Found, and able to transact?

Two questions, measured separately. A brand can be recommended and still un-buyable, or perfectly buyable and never found.

AI Visibility

When someone asks an agent to find cover, does it route to Allianz?

20 / 100

Allianz comes up roughly one time in five. The rest of the time, an agent recommends an alternative first.

Discoverability · 18-datapoint audit
AI Usability

Once an agent is on Allianz's site, can it get a binding quote?

30 / 100

Computer-use agent and Autonomous operator reach a quote; the other agent classes do not.

Browser-class agents reach a quote; text / code agents are blocked, no path past the quote was tested · breakdown above

Not yet measured

This AI Usability read is an estimate, not yet sourced to a clean fleet run. Allianz's measurement is in progress; treat it as provisional until the run lands.

Evidence · 70 / 100 · estimate An estimate of how provable and consistent the result is, grounded in cross-method ground-truth agreement (the methods that ran returned the same price), not a separate measured run. A confidence layer on the two scores above, not a third sales axis.

What's next

What this means for Allianz.

Diagnosis

On product discovery, Allianz is not losing because agents can't complete the journey, they can. It loses earlier, where broad insurance intent routes through Check24 and Verivox before Allianz is ever the answer.

What changes the outcome

Not another calculator. A dedicated agent surface for insurance-category intent: Reference Pages for the core product lines, Answer Pages for the comparison questions buyers ask, Concept Pages that own the category vocabulary, so Allianz is the cited answer before Check24 or Verivox frame the shortlist.

What proof looks like

The proof isn't more content. It's agents naming, citing, and recommending Allianz directly in more category-level insurance journeys, re-measured each wave.

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Channel position

Comparison portals like Check24 capture 22% of insurance demand before Allianz.

In the Gate-1 audit, the AI recommended comparison portals (Check24, Verivox, Tarifcheck) as the route in about one in five responses (4 of 18). The intermediary is avoidable: agents route directly to allianz.de when prompts are brand-specific or when Allianz's Answer Pages surface above the portals. Both levers are addressable on the Hyperize side.

78% direct
22% via intermediary

Intermediaries check24 · verivox · tarifcheck · finanztip

Frozen task slate

Hyperize-selected tasks.

One task from the public sector grid. Task list is frozen before each wave runs.

Allianz Kfz-Versicherung Komfort

Close state
a quote
Bottleneck
Brand-specific queries land direct; category prompts captured by Vergleichsportale upstream.

Fairness note

Q2 2026 audit complete on a single task (Kfz-Versicherung Komfort, quote-ready close state), scored under the public Task Selection Doctrine. Fairness Review pending the sector fairness grid.

Methodology

How the score was produced.

Discoverability is audit-pipeline-derived. 3-provider sample (anthropic, openai, perplexity), 3 query variants per task, 2 runs per variant · 18 valid datapoints scored against a five-state handoff cascade. [S1]

AI Usability is derived from the access-profile above (usability-derivation/v1): how far the best agent reached (close state) modulated by how many agent classes succeeded. The per-class profile is the truth; the score is a reproducible summary of it, not a separate rating. Fleet phases (HTTP / Coding / Browser / ACT) produce the profile. [S2]

Formula

Agent Success Score = (AI Visibility × 0.20) + (AI Usability × 0.70) + (Evidence × 0.10)

On a 0–100 scale, displayed 0–10. AI Usability bundles the agent's reach + completion; AI Visibility is audit-derived discoverability. Weighting is public; the per-prompt derivation is not.

Measurement scope

Confidence C · one measured task on a 3-provider track (anthropic, openai, perplexity). Confidence promotes to B with a second task plus a fourth provider on the next wave.

History

Measurement timeline.

Each wave appends; nothing overwrites. Frozen Wave Rule.

  1. Entry · 01

    15 May 2026

    Wave · Protocol

    DAX9-LEGACY

    v1-hand-assessment

    First-pass hand assessment. Superseded by the v3 audit-derived measurement below.

  2. Entry · 02

    18 May 2026

    Wave · Protocol

    WAVE-Q2-2026-PILOT

    ars-methodology/v1.1

    v3 audit-derived AI Visibility (19.79, 18/18 valid datapoints across 3 providers) on the Kfz-Versicherung Komfort task. AI Usability carried from the v6.2 baseline fleet run, pending a clean rerun.

Sources

Evidence and provenance.

Public methodology references and internal evidence pointers behind every claim above.

  1. [S1]

    Gate-1 audit run · Allianz Wave Q2 2026

    Accessed · 18 May 2026

    Internal · Hyperize evidence

    • · AI Visibility score (audit-derived, 18/18 valid datapoints)
    • · AI platforms queried (anthropic/openai/perplexity, 3-provider track)
    • · the close state reached (quote_ready)
  2. [S2]

    Hyperize fleet · v6.2 baseline (source for C/A/E)

    Accessed · 16 May 2026

    Internal · Hyperize evidence

    • · AI Usability and Evidence inputs
    • · fleet test outcomes (legacy)
  3. [S3]

    a fleet wave act phase (Giorgio repo, legacy reference)

    Accessed · 18 May 2026

    Internal · Hyperize evidence

    • · act phase verification (status=success, 3/3 steps on Kfz-Rechner)
  4. Accessed · 18 May 2026

    Public · hyperize.ai

    • · fairness declaration
    • · Third-Party Interception framing
Last updated · 18 May 2026 Next review · 30 Sept 2026 Wave · Q2-2026-PILOT Tier · proprietary Confidence · C Index score · 3.2/10 Machine-readable record

Editorial coverage

The DAX 40 Agent Success Index is a point-in-time snapshot of the agent-success of public digital touchpoints. Results are not statements about product quality, company performance, service quality, or the legal obligations of the brands named. Brand names and logos remain the property of their respective owners and are used solely for identification and reporting purposes in the context of editorial coverage (§ 23 MarkenG, Art. 5 GG).

Brands wishing to respond, engage, or correct a factual error may contact hello@hyperize.ai. Responses received are published in full alongside the findings. Full methodology and editorial-coverage notice: coverage statement.