{"publication":{"title":"According to AI: These are Finland's go-to insurance companies.","summary":"We tested 20 Finnish-language questions about home, car, travel and family insurance across six AI engines using bot.spot. These five companies appeared in the highest share of answers:\n\n1. If: 64%\n2. LähiTapiola: 57%\n3. OP: 41%\n4. Fennia: 41%\n5. Turva: 37%\n\nThe results varied by engine. If appeared in 85% of Google AI Mode answers, compared with 40% on Perplexity. Gemini's most-mentioned company was LähiTapiola.\n\nAI also looked beyond insurance companies' websites. It cited fine.fi in 23% of answers, making it the third most frequently cited domain, behind If and LähiTapiola.","slug":"insurance-companies-finland","edition":1,"published_at":"2026-11-02T15:52:11.322Z","url":"https://www.bot.spot/research/insurance-companies-finland","license":"https://creativecommons.org/licenses/by/4.0/","publisher":"bot.spot (Botdot Oy)"},"document":{"kind":"industry","rank":{"position":null,"of":7},"audit":{"panels":[{"id":"discovery","lines":[],"counts":{"issue":0,"passed":0,"review":0,"not_measured":0},"reason":"Discovery checks could not run","status":"not_measured","flagged":[],"check_ids":[]},{"id":"seo","lines":[],"counts":{"issue":0,"passed":0,"review":0,"not_measured":0},"reason":"SEO checks could not run","status":"not_measured","flagged":[],"check_ids":[]},{"id":"performance","lines":[],"counts":{"issue":0,"passed":0,"review":0,"not_measured":0},"reason":"Lab test did not run","status":"not_measured","flagged":[],"check_ids":[]},{"id":"agentic","lines":[{"label":"llms.txt","value":"Couldn't check","status":"info","check_id":"llms_txt.present"}],"counts":{"issue":0,"passed":0,"review":0,"not_measured":0},"reason":"Interaction checks were not measured","status":"not_measured","flagged":[],"check_ids":[]}],"status":"skipped","platform":null,"site_facts":null,"robots_found":false,"llms_txt_found":false,"sitemap_url_count":0,"sitemap_url_count_capped":false},"brand":null,"scope":{"status":"partial","failed_runs":40,"completed_runs":100,"requested_runs":140,"engines_measured":["chatgpt","google_ai_overviews","google_ai_mode","gemini","claude"],"contributing_prompts":20,"engines_not_measured":["perplexity","copilot"]},"engines":[{"engine":"chatgpt","metrics":{"visibility":{"delta":null,"prior":null,"current":0},"owned_citation":{"delta":null,"prior":null,"current":0},"share_of_voice":{"delta":null,"prior":null,"current":0}},"has_data":true,"included":true,"completed_answers":20,"prior_completed_answers":0},{"engine":"google_ai_overviews","metrics":{"visibility":{"delta":null,"prior":null,"current":0},"owned_citation":{"delta":null,"prior":null,"current":0},"share_of_voice":{"delta":null,"prior":null,"current":0}},"has_data":true,"included":true,"completed_answers":20,"prior_completed_answers":0},{"engine":"google_ai_mode","metrics":{"visibility":{"delta":null,"prior":null,"current":0},"owned_citation":{"delta":null,"prior":null,"current":0},"share_of_voice":{"delta":null,"prior":null,"current":0}},"has_data":true,"included":true,"completed_answers":20,"prior_completed_answers":0},{"engine":"gemini","metrics":{"visibility":{"delta":null,"prior":null,"current":0},"owned_citation":{"delta":null,"prior":null,"current":0},"share_of_voice":{"delta":null,"prior":null,"current":0}},"has_data":true,"included":true,"completed_answers":20,"prior_completed_answers":0},{"engine":"perplexity","metrics":{"visibility":{"delta":null,"prior":null,"current":null},"owned_citation":{"delta":null,"prior":null,"current":null},"share_of_voice":{"delta":null,"prior":null,"current":null}},"has_data":false,"included":true,"completed_answers":0,"prior_completed_answers":0},{"engine":"copilot","metrics":{"visibility":{"delta":null,"prior":null,"current":null},"owned_citation":{"delta":null,"prior":null,"current":null},"share_of_voice":{"delta":null,"prior":null,"current":null}},"has_data":false,"included":true,"completed_answers":0,"prior_completed_answers":0},{"engine":"claude","metrics":{"visibility":{"delta":null,"prior":null,"current":0},"owned_citation":{"delta":null,"prior":null,"current":0},"share_of_voice":{"delta":null,"prior":null,"current":0}},"has_data":true,"included":true,"completed_answers":20,"prior_completed_answers":0}],"lineage":{"origin":"build","edition":1,"series_id":"e878efad-beff-4e36-b32b-a288df998ae1","source_edition":null,"source_engines":[],"compared_engines":[],"source_report_id":null,"source_generated_at":null},"request":{"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"persona_count":4,"prompts_per_persona":5},"summary":{"visibility":{"delta":null,"prior":null,"current":0,"prior_numerator":null,"current_numerator":0,"prior_denominator":null,"current_denominator":100},"avg_position":{"delta":null,"prior":null,"current":null,"prior_numerator":null,"current_numerator":null,"prior_denominator":null,"current_denominator":0},"owned_citation":{"delta":null,"prior":null,"current":0,"prior_numerator":null,"current_numerator":0,"prior_denominator":null,"current_denominator":100},"share_of_voice":{"delta":null,"prior":null,"current":0,"prior_numerator":null,"current_numerator":0,"prior_denominator":null,"current_denominator":277}},"industry":{"name":"Insurance companies","focus":"Insurers selling voluntary home, car, travel and personal insurance to Finnish households. Cover first homes, families, motorists and frequent travellers. Compare coverage information, customer service, claims handling and bundling. Exclude pension insurers, insurance brokers and corporate-only insurance.","scope":"Insurance companies licensed to sell voluntary non-life and personal insurance policies (home, motor, travel, and health/accident) to Finnish private households and consumers.","market":"FI","language":"fi","segments":["Home & Property Insurance","Car & Vehicle Insurance (Motor Third-Party & Casco)","Personal Health & Accident Insurance","Travel Insurance","Comprehensive Household Bundles"],"requested":"Insurance Companies","description":"The retail non-life and voluntary personal insurance industry in Finland provides property, motor, travel, and health insurance to private households. Leading providers compete across comprehensive coverage options, online and local customer service, rapid digital claims processing, and multi-policy bundling discounts."},"personas":[{"id":"3b2a5b0d-ec8d-45ad-a053-e83ec33ba745","title":"First-time movers and homebuyers","market":"FI","prompts":[{"id":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:claude"}],"prompt_text":"Mistä saa edullisen kotivakuutuksen vuokra-asuntoon heti voimaan?","prompt_type":"direct","share_of_voice":0,"companies_named":6,"visibility_rate":0,"consensus_answer":"Kotivakuutuksen vuokra-asuntoon saa heti voimaan ostamalla sen verkkopankkitunnuksilla suoraan vakuutusyhtiön verkkopalvelusta. Edullisia ja nopeita vaihtoehtoja tarjoavat esimerkiksi POP Vakuutus, Turva, If, OP ja LähiTapiola. Turva ja If tarjoavat usein erillisiä verkko-ostoalennuksia ensimmäisen vuoden vakuutusmaksuihin.","consensus_claims":[{"text":"Kotivakuutuksen vuokra-asuntoon saa heti voimaan ostamalla sen verkkopankkitunnuksilla suoraan vakuutusyhtiön verkkopalvelusta.","sources":[{"engine":"chatgpt","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:chatgpt"},{"engine":"google_ai_overviews","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:google_ai_overviews"},{"engine":"google_ai_mode","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:google_ai_mode"},{"engine":"gemini","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:gemini"}]},{"text":"Edullisia ja nopeita vaihtoehtoja tarjoavat esimerkiksi POP Vakuutus, Turva, If, OP ja LähiTapiola.","sources":[{"engine":"chatgpt","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:chatgpt"},{"engine":"google_ai_overviews","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:google_ai_overviews"},{"engine":"gemini","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:gemini"}]},{"text":"Turva ja If tarjoavat usein erillisiä verkko-ostoalennuksia ensimmäisen vuoden vakuutusmaksuihin.","sources":[{"engine":"chatgpt","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:chatgpt"},{"engine":"google_ai_overviews","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:google_ai_overviews"},{"engine":"google_ai_mode","evidence_ref":"6bfb356a-5e30-418d-a0f1-8f90feb1bb11:google_ai_mode"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61","leader":{"canonical_name":"OP Pohjola","apex_domain":"op.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:claude"}],"prompt_text":"Mitä vakuutuksia ensimmäiseen omaan kotiin muuttava tarvitsee ja mistä niitä kannattaa pyytää?","prompt_type":"discovery","share_of_voice":0,"companies_named":6,"visibility_rate":0,"consensus_answer":"Ensimmäiseen omaan kotiin muuttava tarvitsee ennen kaikkea kotivakuutuksen irtaimistolleen, ja siihen on hyvä sisällyttää vastuu- sekä oikeusturvavakuutus. Tarpeen mukaan voi harkita myös tapaturma-, terveys- tai matkavakuutusta. Tarjouksia kannattaa kilpailuttaa vakuutusyhtiöiltä, kuten If, LähiTapiola ja Fennia, suoraan verkkosivuilta.","consensus_claims":[{"text":"Ensimmäiseen omaan kotiin muuttava tarvitsee ennen kaikkea kotivakuutuksen irtaimistolleen, ja siihen on hyvä sisällyttää vastuu- sekä oikeusturvavakuutus.","sources":[{"engine":"chatgpt","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:google_ai_mode"},{"engine":"gemini","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:gemini"},{"engine":"claude","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:claude"}]},{"text":"Tarpeen mukaan voi harkita myös tapaturma-, terveys- tai matkavakuutusta.","sources":[{"engine":"chatgpt","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:google_ai_mode"},{"engine":"gemini","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:gemini"},{"engine":"claude","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:claude"}]},{"text":"Tarjouksia kannattaa kilpailuttaa vakuutusyhtiöiltä, kuten If, LähiTapiola ja Fennia, suoraan verkkosivuilta.","sources":[{"engine":"google_ai_mode","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:google_ai_mode"},{"engine":"gemini","evidence_ref":"eaf45a30-f35f-4d6b-bb64-1358d7aaef61:gemini"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"57888ff7-dd8e-4e4b-8960-44885cc90017","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:claude"}],"prompt_text":"Mikä vakuutusyhtiö on edullisin ja luotettavin pieneen vuokra-asuntoon nuorelle aikuiselle?","prompt_type":"recommendation","share_of_voice":0,"companies_named":6,"visibility_rate":0,"consensus_answer":"Suomen suuret vakuutusyhtiöt ovat luotettavia, eikä yhtä ainoaa halvinta ole, koska hinta määräytyy yksilöllisesti. POP Vakuutus nousee usein esiin edullisimpana vaihtoehtona yksin asuville ja nuorille suunnattujen alennustensa ansiosta. If ja LähiTapiola saavat puolestaan kiitosta asiakaskokemuksesta ja luotettavuudesta.","consensus_claims":[{"text":"Suomen suuret vakuutusyhtiöt ovat luotettavia, eikä yhtä ainoaa halvinta ole, koska hinta määräytyy yksilöllisesti.","sources":[{"engine":"gemini","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:gemini"},{"engine":"google_ai_mode","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:google_ai_mode"}]},{"text":"POP Vakuutus nousee usein esiin edullisimpana vaihtoehtona yksin asuville ja nuorille suunnattujen alennustensa ansiosta.","sources":[{"engine":"chatgpt","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:chatgpt"},{"engine":"claude","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:claude"},{"engine":"gemini","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:gemini"},{"engine":"google_ai_mode","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:google_ai_mode"}]},{"text":"If ja LähiTapiola saavat puolestaan kiitosta asiakaskokemuksesta ja luotettavuudesta.","sources":[{"engine":"claude","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:claude"},{"engine":"google_ai_mode","evidence_ref":"57888ff7-dd8e-4e4b-8960-44885cc90017:google_ai_mode"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"9681b581-a78b-4e5c-a1be-ffaea8415125","leader":{"canonical_name":"OP","apex_domain":"op.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:claude"}],"prompt_text":"Kannattaako kotivakuutus keskittää omaan pankkiin vai ottaa erilliseltä vakuutusyhtiöltä?","prompt_type":"comparison","share_of_voice":0,"companies_named":6,"visibility_rate":0,"consensus_answer":"Kotivakuutusta ei kannata keskittää pankkiin automaattisesti, vaan kokonaishintaa on syytä vertailla. Pankin etuna ovat asioinnin helppous samassa palvelussa sekä maksuja pienentävät bonukset. Erillinen vakuutusyhtiö puolestaan tarjoaa usein halvemman perushinnan ilman keskittämispakkoa.","consensus_claims":[{"text":"Kotivakuutusta ei kannata keskittää pankkiin automaattisesti, vaan kokonaishintaa on syytä vertailla.","sources":[{"engine":"chatgpt","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:chatgpt"},{"engine":"claude","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:claude"}]},{"text":"Pankin etuna ovat asioinnin helppous samassa palvelussa sekä maksuja pienentävät bonukset.","sources":[{"engine":"google_ai_overviews","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:google_ai_overviews"},{"engine":"gemini","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:gemini"}]},{"text":"Erillinen vakuutusyhtiö puolestaan tarjoaa usein halvemman perushinnan ilman keskittämispakkoa.","sources":[{"engine":"google_ai_overviews","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:google_ai_overviews"},{"engine":"google_ai_mode","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:google_ai_mode"},{"engine":"gemini","evidence_ref":"9681b581-a78b-4e5c-a1be-ffaea8415125:gemini"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"8a5d25bf-e396-4c85-9f11-24bc0db34a69","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:claude"}],"prompt_text":"Muutan vuokralle ja sopimuksessa vaaditaan laaja kotivakuutus vastuuvakuutuksella. Mitä se käytännössä korvaa ja miten todistan sen vuokranantajalle?","prompt_type":"problem","share_of_voice":0,"companies_named":3,"visibility_rate":0,"consensus_answer":"Laaja kotivakuutus korvaa omien tavaroiden äkillisiä rikkoutumisia sekä tulipalon tai vesivahingon aiheuttamia tuhoja. Vastuuvakuutus korvaa muille, kuten vuokranantajalle tai naapurille, aiheutettuja vahinkoja, joista olet korvausvastuussa. Vakuutuksen voimassaolon voi todistaa toimittamalla vuokranantajalle vakuutusyhtiöltä pyydetyn vakuutustodistuksen.","consensus_claims":[{"text":"Laaja kotivakuutus korvaa omien tavaroiden äkillisiä rikkoutumisia sekä tulipalon tai vesivahingon aiheuttamia tuhoja.","sources":[{"engine":"chatgpt","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:chatgpt"},{"engine":"gemini","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:gemini"}]},{"text":"Vastuuvakuutus korvaa muille, kuten vuokranantajalle tai naapurille, aiheutettuja vahinkoja, joista olet korvausvastuussa.","sources":[{"engine":"chatgpt","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:google_ai_mode"},{"engine":"gemini","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:gemini"}]},{"text":"Vakuutuksen voimassaolon voi todistaa toimittamalla vuokranantajalle vakuutusyhtiöltä pyydetyn vakuutustodistuksen.","sources":[{"engine":"gemini","evidence_ref":"8a5d25bf-e396-4c85-9f11-24bc0db34a69:gemini"}]}],"completed_answers":5,"owned_citation_rate":0}],"attributes":{"needs":["Home and contents insurance covering residential risks","Personal liability and legal expenses coverage","Transparent policy terms distinguishing essential coverage from optional add-ons","Multi-policy bundle options combining property, travel, or personal accident insurance"],"life_stage":"Young adult or early-career mover setting up a first independent household.","objections":["Difficult-to-understand insurance terminology and non-transparent pricing structures","High deductible (excess) costs that limit the utility of claims for minor incidents","Worry about paying for unnecessary policy riders or duplicate coverages"],"pain_points":["Absence of a centralized comparison platform across major local insurance providers","Uncertainty over what is legally required versus voluntary when renting or buying in Finland","Time-consuming process of requesting individual quotes across multiple insurer websites"],"budget_context":"Cost-conscious due to moving and furnishing expenses; seeks affordable monthly premiums without disproportionately high out-of-pocket deductibles.","usage_contexts":["Submitting proof of insurance to a landlord or property management agency during lease signing","Filing a claim following home water leaks, broken household items, or bicycle theft","Managing coverage limits and deductibles via a self-service mobile app or web portal"],"buying_triggers":["Signing a new rental lease that mandates proof of home insurance","Purchasing a first apartment or residential property requiring lender-mandated coverage","Moving to Finland or establishing an independent household for the first time"],"generation_hint":"Base this persona on 'First-Time Homebuyer or Mover'. Young adults, expats, or couples acquiring their first home or rental apartment in Finland seeking reliable baseline home and liability coverage. Typical roles: Head of household, Tenant, First-time buyer. Buyer group: 'Finnish Private Households' (B2C). They are looking for: Home Insurance, Comprehensive Insurance Bundles.","jobs_to_be_done":["Obtain verified proof of home and liability insurance for a landlord or mortgage bank","Protect personal possessions, furniture, and appliances against theft, fire, or water damage","Secure personal liability coverage for accidental property damage to a rented flat or third parties"],"desired_outcomes":["Immediate compliance with landlord or mortgage lender insurance requirements","Financial protection against personal property loss, theft, water damage, or liability claims","Frictionless digital policy onboarding and straightforward claims settlement"],"decision_criteria":["Affordable premium rates and clear deductible (excess) amounts","Simplicity of purchasing online and receiving instant proof of coverage","Clarity of coverage limits for personal belongings and tenant liability","Availability of bundling discounts when combining home, accident, or travel policies","User-friendly digital claims and policy management tools"],"household_context":"Single adults, couples, or international newcomers establishing an independent home or rental apartment.","alternatives_considered":["Purchasing only minimal baseline tenant liability coverage","Relying on the housing company building insurance without contents coverage","Bundling insurance through an existing banking service provider","Foregoing voluntary contents insurance where not strictly mandated"]},"description":"Young adults, couples, or expatriates moving into their first rental apartment or purchased home in Finland. They need reliable home and liability coverage to satisfy landlord or mortgage lender requirements while safeguarding personal contents against unexpected damages.","customer_type":"consumer","share_of_voice":0,"visibility_rate":0,"attribute_schema":"persona.consumer.v2","completed_answers":25,"owned_citation_rate":0},{"id":"f1a872d7-d870-4dcf-8a2c-8ed755532909","title":"Private vehicle owners and motorists","market":"FI","prompts":[{"id":"aed8b1e7-c69e-47ea-aa21-2fc237c99063","leader":{"canonical_name":"Fennia","apex_domain":"fennia.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:claude"}],"prompt_text":"Mistä saa parhaan ja edullisimman kaskovakuutuksen henkilöautoon?","prompt_type":"direct","share_of_voice":0,"companies_named":7,"visibility_rate":0,"consensus_answer":"Yhtä ainoaa parasta tai halvinta kaskovakuutusta ei ole, sillä hinta määräytyy aina yksilöllisesti auton, asuinpaikan ja kuljettajan tietojen mukaan. Vakuutusyhtiöiden väliset hintaerot voivat olla satoja euroja vuodessa, joten tarjoukset kannattaa kilpailuttaa eri toimijoilta. Vertailuissa kärkipaikoille ovat nousseet esimerkiksi LähiTapiola, If, Turva ja Fennia.","consensus_claims":[{"text":"Yhtä ainoaa parasta tai halvinta kaskovakuutusta ei ole, sillä hinta määräytyy aina yksilöllisesti auton, asuinpaikan ja kuljettajan tietojen mukaan.","sources":[{"engine":"chatgpt","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:chatgpt"},{"engine":"google_ai_overviews","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:google_ai_overviews"},{"engine":"gemini","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:gemini"}]},{"text":"Vakuutusyhtiöiden väliset hintaerot voivat olla satoja euroja vuodessa, joten tarjoukset kannattaa kilpailuttaa eri toimijoilta.","sources":[{"engine":"google_ai_mode","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:google_ai_mode"},{"engine":"google_ai_overviews","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:google_ai_overviews"},{"engine":"claude","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:claude"}]},{"text":"Vertailuissa kärkipaikoille ovat nousseet esimerkiksi LähiTapiola, If, Turva ja Fennia.","sources":[{"engine":"chatgpt","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"aed8b1e7-c69e-47ea-aa21-2fc237c99063:google_ai_mode"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:claude"}],"prompt_text":"Mitkä toimijat tarjoavat autovakuutuksia Suomessa ja mitä eroja niiden kaskopaketeissa on?","prompt_type":"discovery","share_of_voice":0,"companies_named":7,"visibility_rate":0,"consensus_answer":"Suomessa autovakuutuksia tarjoavat muun muassa If, Pohjola Vakuutus, LähiTapiola, Fennia, POP Vakuutus, Turva ja Pohjantähti. Yhtiöt jakavat kaskot yleensä osakaskoon ja täyskaskoon, joista laajempi kattaa myös oman auton kolaroinnin ja ulosajon. Kaskopakettien erot näkyvät muun muassa lasi-, lunastus- ja pysäköintiturvissa sekä sijaisauton kuulumisessa vakuutukseen.","consensus_claims":[{"text":"Suomessa autovakuutuksia tarjoavat muun muassa If, Pohjola Vakuutus, LähiTapiola, Fennia, POP Vakuutus, Turva ja Pohjantähti.","sources":[{"engine":"chatgpt","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:google_ai_mode"},{"engine":"gemini","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:gemini"}]},{"text":"Yhtiöt jakavat kaskot yleensä osakaskoon ja täyskaskoon, joista laajempi kattaa myös oman auton kolaroinnin ja ulosajon.","sources":[{"engine":"gemini","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:gemini"},{"engine":"claude","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:claude"}]},{"text":"Kaskopakettien erot näkyvät muun muassa lasi-, lunastus- ja pysäköintiturvissa sekä sijaisauton kuulumisessa vakuutukseen.","sources":[{"engine":"chatgpt","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:chatgpt"},{"engine":"claude","evidence_ref":"cb7a7ad2-6b7a-4602-8ee8-3989964e88c1:claude"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"01fd7ded-b0db-4b81-805b-970d1ccb192d","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:claude"}],"prompt_text":"Mikä autovakuutus kannattaa valita, jos ajaa vuodessa vähän kilometrejä ja haluaa kattavan tiepalvelun?","prompt_type":"recommendation","share_of_voice":0,"companies_named":5,"visibility_rate":0,"consensus_answer":"Vähän ajavalle suositellaan kilometripohjaista vakuutusta, jossa esimerkiksi POP Vakuutus antaa alennusta ajomäärän mukaan. Tiepalvelu edellyttää kaskovakuutusta, sillä lakisääteinen liikennevakuutus ei kata hinausta tai matkan keskeytymistä. Kattavaa 24/7-tiepalvelua tarjoaa muun muassa If, ja vakuutuksesta erillisenä vaihtoehtona toimii Autoliitto.","consensus_claims":[{"text":"Vähän ajavalle suositellaan kilometripohjaista vakuutusta, jossa esimerkiksi POP Vakuutus antaa alennusta ajomäärän mukaan.","sources":[{"engine":"chatgpt","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:google_ai_mode"},{"engine":"claude","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:claude"}]},{"text":"Tiepalvelu edellyttää kaskovakuutusta, sillä lakisääteinen liikennevakuutus ei kata hinausta tai matkan keskeytymistä.","sources":[{"engine":"chatgpt","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:google_ai_mode"},{"engine":"gemini","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:gemini"}]},{"text":"Kattavaa 24/7-tiepalvelua tarjoaa muun muassa If, ja vakuutuksesta erillisenä vaihtoehtona toimii Autoliitto.","sources":[{"engine":"chatgpt","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:chatgpt"},{"engine":"claude","evidence_ref":"01fd7ded-b0db-4b81-805b-970d1ccb192d:claude"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"4ac90934-03ac-4ca3-909f-99d34e72f1a9","leader":{"canonical_name":"Pohjola Vakuutus","apex_domain":"op.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:claude"}],"prompt_text":"Kannattaako autovakuutus keskittää samaan yhtiöön kotivakuutuksen kanssa vai kilpailuttaa omana vakuutuksenaan?","prompt_type":"comparison","share_of_voice":0,"companies_named":6,"visibility_rate":0,"consensus_answer":"Vakuutukset kannattaa kilpailuttaa sekä yhdessä että erikseen, sillä keskittäminen ei ole automaattisesti edullisin ratkaisu. Keskittämisalennus voi jäädä hyödyttömäksi, jos yhtiön lähtöhinta on kilpailijoita korkeampi. Keskittäminen kuitenkin helpottaa asiointia ja voi tuoda alennusten ohella muita lisäetuja.","consensus_claims":[{"text":"Vakuutukset kannattaa kilpailuttaa sekä yhdessä että erikseen, sillä keskittäminen ei ole automaattisesti edullisin ratkaisu.","sources":[{"engine":"chatgpt","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:google_ai_mode"},{"engine":"gemini","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:gemini"},{"engine":"claude","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:claude"}]},{"text":"Keskittämisalennus voi jäädä hyödyttömäksi, jos yhtiön lähtöhinta on kilpailijoita korkeampi.","sources":[{"engine":"chatgpt","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:google_ai_mode"},{"engine":"gemini","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:gemini"},{"engine":"claude","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:claude"}]},{"text":"Keskittäminen kuitenkin helpottaa asiointia ja voi tuoda alennusten ohella muita lisäetuja.","sources":[{"engine":"chatgpt","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:google_ai_mode"},{"engine":"gemini","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:gemini"},{"engine":"claude","evidence_ref":"4ac90934-03ac-4ca3-909f-99d34e72f1a9:claude"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"34388b30-22c5-4335-95d9-ec196e7bcb78","leader":{"canonical_name":"Fennia","apex_domain":"fennia.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:claude"}],"prompt_text":"Autovakuutuksen hinta nousi vuosiuusinnassa, miten saan hinnan alas menettämättä kertyneitä bonuksia?","prompt_type":"problem","share_of_voice":0,"companies_named":4,"visibility_rate":0,"consensus_answer":"Autovakuutuksen voi kilpailuttaa, sillä kertyneet bonukset ja vahinkohistoria siirtyvät vakuutusyhtiötä vaihdettaessa mukanasi. Hintaa voi alentaa myös neuvottelemalla suoraan nykyisen yhtiön kanssa uudesta tarjouksesta tai keskittämiseduista. Lisäksi maksua saa pienennettyä ilman bonusten menetystä kaskon omavastuuta nostamalla tai vuosikilometrejä päivittämällä.","consensus_claims":[{"text":"Autovakuutuksen voi kilpailuttaa, sillä kertyneet bonukset ja vahinkohistoria siirtyvät vakuutusyhtiötä vaihdettaessa mukanasi.","sources":[{"engine":"chatgpt","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:google_ai_mode"},{"engine":"gemini","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:gemini"}]},{"text":"Hintaa voi alentaa myös neuvottelemalla suoraan nykyisen yhtiön kanssa uudesta tarjouksesta tai keskittämiseduista.","sources":[{"engine":"chatgpt","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:chatgpt"},{"engine":"gemini","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:gemini"}]},{"text":"Lisäksi maksua saa pienennettyä ilman bonusten menetystä kaskon omavastuuta nostamalla tai vuosikilometrejä päivittämällä.","sources":[{"engine":"chatgpt","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:google_ai_mode"},{"engine":"claude","evidence_ref":"34388b30-22c5-4335-95d9-ec196e7bcb78:claude"}]}],"completed_answers":5,"owned_citation_rate":0}],"attributes":{"needs":["Comprehensive Casco coverage for collision, glass, theft, vandalism, and weather damage","24/7 roadside emergency towing and breakdown assistance","Flexible terms and pricing adjustments for seasonal use or low annual mileage","Multi-policy options that combine vehicle and home coverage for shared discounts"],"objections":["Fear of losing accumulated bonus discounts when switching insurance companies","High deductibles that make minor damage claims uneconomical","Rigid premium structures that fail to discount low annual driving distances"],"pain_points":["Threat of major unexpected repair and towing expenses from roadside breakdowns or winter accidents","Inflexible policies that penalize seasonal vehicles such as motorbikes, campers, or boats during storage periods","Unclear policy terms regarding what is covered under mandatory liability versus voluntary Casco tiers"],"budget_context":"Cost-conscious regarding recurring annual premiums and repair deductibles, actively seeking high bonus discounts and low-mileage adjustments.","usage_contexts":["Daily commuting and family travel across varied Finnish seasonal weather conditions","Requesting emergency roadside towing or jump-starts during sub-zero winter temperatures","Registering and insuring a newly acquired or seasonally activated vehicle"],"buying_triggers":["Purchasing a new, used, or seasonal vehicle","Switching providers to claim higher starting Casco bonuses or low-mileage discounts","Experiencing a premium increase on an existing motor insurance policy at renewal"],"generation_hint":"Base this persona on 'Vehicle Owner & Motorist'. Car, van, motorcycle, or boat owners seeking comprehensive Casco coverage, roadside assistance, and competitive bonus structures. Typical roles: Car owner, Driver, Commuter. They are looking for: Car & Vehicle Insurance, Comprehensive Insurance Bundles.","jobs_to_be_done":["Fulfill mandatory motor third-party liability requirements while adding voluntary Casco protection","Ensure rapid roadside assistance and towing support during vehicle breakdowns or winter conditions","Preserve and maximize accumulated safe-driver bonus percentages when insuring a vehicle"],"desired_outcomes":["Financial security against high out-of-pocket repair, towing, and replacement costs","Lower ongoing ownership costs through high driver bonus retention and bundling rebates","Quick, stress-free digital claims resolution and roadside emergency dispatch"],"decision_criteria":["Starting Casco bonus levels and bonus protection guarantees","Inclusion and responsiveness of 24/7 roadside assistance and towing services","Deductible amounts across collision, animal collision, and vandalism incidents","Availability of multi-policy bundling discounts with household coverage","Fair pricing models reflecting low annual vehicle mileage"],"household_context":"Private household reliant on one or more vehicles for daily commuting, errands, or seasonal leisure travel.","alternatives_considered":["Maintaining only mandatory motor third-party liability insurance without voluntary Casco","Staying with the current insurer on default renewal terms","Selecting basic or partial Casco coverage instead of full comprehensive protection"]},"description":"Finnish vehicle owners and daily commuters who seek dependable voluntary comprehensive Casco and mandatory traffic coverage to protect against accidents, wildlife collisions, breakdowns, and severe weather while maximizing their bonus discounts.","customer_type":"consumer","share_of_voice":0,"visibility_rate":0,"attribute_schema":"persona.consumer.v2","completed_answers":25,"owned_citation_rate":0},{"id":"d472a9c7-1e78-4660-99ab-53f14feb4b22","title":"Family household policyholders","market":"FI","prompts":[{"id":"8c225ad0-9362-4dce-94fa-fbe057a85558","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"8c225ad0-9362-4dce-94fa-fbe057a85558:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"8c225ad0-9362-4dce-94fa-fbe057a85558:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"8c225ad0-9362-4dce-94fa-fbe057a85558:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"8c225ad0-9362-4dce-94fa-fbe057a85558:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"8c225ad0-9362-4dce-94fa-fbe057a85558:claude"}],"prompt_text":"Mistä saa kattavan lapsivakuutuksen, joka korvaa suoraan lääkärikäynnit yksityisellä ilman pitkää korvaushakemusten käsittelyä?","prompt_type":"direct","share_of_voice":0,"companies_named":6,"visibility_rate":0,"consensus_answer":null,"consensus_claims":[],"completed_answers":5,"owned_citation_rate":0},{"id":"228a4ddc-7ac1-4350-a10e-ceb461418d33","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:claude"}],"prompt_text":"Mitä vakuutuksia lapsiperhe tyypillisesti tarvitsee Suomessa ja millaisia keskittämisetuja vakuutusyhtiöt tarjoavat?","prompt_type":"discovery","share_of_voice":0,"companies_named":6,"visibility_rate":0,"consensus_answer":"Lapsiperheen perusturvaan kuuluu kotivakuutus, jonka vastuuvakuutus korvaa lapsen muille aiheuttamia vahinkoja. Lapsivakuutus mahdollistaa nopean pääsyn yksityiselle lääkärille ja korvaa tutkimuksia sekä sairauskuluja. Keskittämiseduiksi yhtiöt tarjoavat yleensä prosenttialennuksia vakuutusmaksuista tai pankkibonuksia.","consensus_claims":[{"text":"Lapsiperheen perusturvaan kuuluu kotivakuutus, jonka vastuuvakuutus korvaa lapsen muille aiheuttamia vahinkoja.","sources":[{"engine":"google_ai_overviews","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:google_ai_overviews"},{"engine":"gemini","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:gemini"}]},{"text":"Lapsivakuutus mahdollistaa nopean pääsyn yksityiselle lääkärille ja korvaa tutkimuksia sekä sairauskuluja.","sources":[{"engine":"chatgpt","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:chatgpt"},{"engine":"google_ai_overviews","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:google_ai_overviews"},{"engine":"claude","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:claude"}]},{"text":"Keskittämiseduiksi yhtiöt tarjoavat yleensä prosenttialennuksia vakuutusmaksuista tai pankkibonuksia.","sources":[{"engine":"chatgpt","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"228a4ddc-7ac1-4350-a10e-ceb461418d33:google_ai_mode"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59","leader":{"canonical_name":"LähiTapiola","apex_domain":"lahitapiola.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:claude"}],"prompt_text":"Mikä vakuutusyhtiö sopii parhaiten lapsiperheelle, joka haluaa keskittää omakotitalon kotivakuutuksen, auton ja lasten sairauskuluvakuutukset samaan paikkaan?","prompt_type":"recommendation","share_of_voice":0,"companies_named":6,"visibility_rate":0,"consensus_answer":"LähiTapiola tarjoaa jopa 17 prosentin keskittämisalennuksen, S-ryhmän Bonusta sekä 25 prosentin alennuksen lapsen sairauskuluvakuutuksesta kotivakuutusasiakkaille. Pohjola Vakuutus palkitsee keskittäjiä OP-bonuksilla, joilla voi maksaa vakuutusmaksuja tai pankkipalveluita, ja tarjoaa jopa 17 prosentin alennuksen.","consensus_claims":[{"text":"LähiTapiola tarjoaa jopa 17 prosentin keskittämisalennuksen, S-ryhmän Bonusta sekä 25 prosentin alennuksen lapsen sairauskuluvakuutuksesta kotivakuutusasiakkaille.","sources":[{"engine":"google_ai_overviews","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:google_ai_overviews"},{"engine":"chatgpt","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:chatgpt"},{"engine":"gemini","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:gemini"}]},{"text":"Pohjola Vakuutus palkitsee keskittäjiä OP-bonuksilla, joilla voi maksaa vakuutusmaksuja tai pankkipalveluita, ja tarjoaa jopa 17 prosentin alennuksen.","sources":[{"engine":"google_ai_overviews","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:google_ai_overviews"},{"engine":"gemini","evidence_ref":"7ffe6ad6-ea80-4034-b477-8a3889dd3c59:gemini"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"d2a15b76-1614-4bcf-b0de-0fba850ce61b","leader":{"canonical_name":"Fennia","apex_domain":"fennia.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:claude"}],"prompt_text":"Kannattaako perheen vakuutukset keskittää yhteen yhtiöön alennusten takia vai ottaa koti-, auto- ja terveysvakuutukset eri tarjoajilta?","prompt_type":"comparison","share_of_voice":0,"companies_named":5,"visibility_rate":0,"consensus_answer":"Vakuutusten keskittäminen tuo yleensä alennuksia ja helpottaa asiointia, kun laskut ja korvauspalvelut ovat yhdessä paikassa. Hajauttaminen voi silti tulla edullisemmaksi, koska alennukset lasketaan yhtiön omista listahinnoista. Erityisesti terveysvakuutuksissa ehtojen kattavuus voi olla hintaa ratkaisevampi tekijä.","consensus_claims":[{"text":"Vakuutusten keskittäminen tuo yleensä alennuksia ja helpottaa asiointia, kun laskut ja korvauspalvelut ovat yhdessä paikassa.","sources":[{"engine":"claude","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:claude"},{"engine":"gemini","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:gemini"},{"engine":"google_ai_mode","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:google_ai_mode"}]},{"text":"Hajauttaminen voi silti tulla edullisemmaksi, koska alennukset lasketaan yhtiön omista listahinnoista.","sources":[{"engine":"claude","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:claude"},{"engine":"gemini","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:gemini"},{"engine":"google_ai_mode","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:google_ai_mode"}]},{"text":"Erityisesti terveysvakuutuksissa ehtojen kattavuus voi olla hintaa ratkaisevampi tekijä.","sources":[{"engine":"chatgpt","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"d2a15b76-1614-4bcf-b0de-0fba850ce61b:google_ai_mode"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"fb1be59d-dba5-4264-8c1a-28234c25ea80","leader":null,"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:claude"}],"prompt_text":"Julkisen terveydenhuollon jonot ahdistavat lapsen sairastuessa. Miten voimme varmistaa nopean pääsyn yksityiselle lastenlääkärille ilman valtavia omavastuukuluja?","prompt_type":"problem","share_of_voice":null,"companies_named":0,"visibility_rate":0,"consensus_answer":"Lapsivakuutus on keskeinen keino varmistaa nopea pääsy yksityiselle lastenlääkärille ilman suuria kuluja. Kustannuksia voi rajata kiinteällä vuosiomavastuulla ja käyttämällä suorakorvausta lääkäriasemalla. Myös digiklinikat sekä hyvinvointialueen palvelusetelit voivat madaltaa yksityishoidon maksuja.","consensus_claims":[{"text":"Lapsivakuutus on keskeinen keino varmistaa nopea pääsy yksityiselle lastenlääkärille ilman suuria kuluja.","sources":[{"engine":"google_ai_overviews","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:google_ai_overviews"},{"engine":"google_ai_mode","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:google_ai_mode"},{"engine":"gemini","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:gemini"}]},{"text":"Kustannuksia voi rajata kiinteällä vuosiomavastuulla ja käyttämällä suorakorvausta lääkäriasemalla.","sources":[{"engine":"chatgpt","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:chatgpt"},{"engine":"google_ai_overviews","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:google_ai_overviews"},{"engine":"google_ai_mode","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:google_ai_mode"}]},{"text":"Myös digiklinikat sekä hyvinvointialueen palvelusetelit voivat madaltaa yksityishoidon maksuja.","sources":[{"engine":"google_ai_overviews","evidence_ref":"fb1be59d-dba5-4264-8c1a-28234c25ea80:google_ai_overviews"}]}],"completed_answers":5,"owned_citation_rate":0}],"attributes":{"needs":["Comprehensive home and property insurance covering personal liability and domestic damage","Voluntary personal health and accident policies with swift specialist access for dependents","Centralized policy management with clear bundle and loyalty incentives"],"life_stage":"Raising dependent children in an established family household","objections":["Cumulative premium costs becoming prohibitively expensive across multiple family members","Complexity and friction in filing claims across separate health and property incidents","Uncertainty over whether private health plans will exclude pre-existing childhood conditions"],"pain_points":["Long waiting queues in standard healthcare channels when seeking timely medical care for children","Administrative fatigue from managing separate policy renewals, billing schedules, and terms across disconnected providers","Hidden gaps in standard coverage that leave the family vulnerable to high out-of-pocket medical or repair costs"],"budget_context":"Balancing premium costs across multiple family members and physical assets, highly motivated by multi-policy bundling discounts and loyalty bonuses.","usage_contexts":["Booking private pediatric or specialist doctor visits via direct billing channels during an acute illness","Filing claims via a digital portal for damaged home contents or accidental injuries sustained during sports and leisure","Reviewing annual household policy terms and accumulated loyalty benefits ahead of yearly renewal cycles"],"buying_triggers":["Birth of a child or expanding household size requiring additional medical protection","Prolonged wait times in the municipal public healthcare system prompting the need for private pediatric and specialist coverage","Upcoming annual renewal of separate home and auto policies presenting an opportunity to consolidate for loyalty discounts"],"generation_hint":"Base this persona on 'Family Decision Maker'. Families seeking unified protection covering their residence, children, personal health, and everyday accidents with bundled loyalty benefits. Typical roles: Parent, Primary policyholder. They are looking for: Home Insurance, Personal Health & Accident Insurance, Comprehensive Insurance Bundles.","jobs_to_be_done":["Secure prompt medical and accident insurance coverage for growing children","Insure the family residence, fixtures, and personal contents against theft, fire, and water damage","Consolidate fragmented household insurance products under a single comprehensive provider to maximize loyalty rewards"],"desired_outcomes":["Immediate, frictionless access to private pediatric care and medical specialists when family members fall ill","Financial resilience against severe property losses, water leaks, or liability incidents at home","Consolidated administration of all domestic policies under a single portal with transparent loyalty perks"],"decision_criteria":["Extent and clarity of pediatric and personal health coverage without restrictive exclusions","Overall discount level achieved through multi-policy household bundles","Speed and ease of digital claims reporting and reimbursement for medical expenses","Deductible and excess structures across property and accident claims","Reputation for hassle-free direct settlement agreements with private medical clinics"],"household_context":"Multi-person household with dependent children, owning or renting a family residence and operating one or more vehicles.","alternatives_considered":["Maintaining fragmented standalone policies across multiple individual insurers","Relying strictly on municipal public healthcare without voluntary child medical coverage","Self-insuring everyday personal accident and property damage risks"]},"description":"A parent and primary policyholder in Finland seeking to protect their family home, children, and personal well-being through unified property, health, and accident policies that offer both peace of mind and bundling savings.","customer_type":"consumer","share_of_voice":0,"visibility_rate":0,"attribute_schema":"persona.consumer.v2","completed_answers":25,"owned_citation_rate":0},{"id":"8de28095-ff9a-4ce5-b3b2-4ce1d49801aa","title":"Seasonal motorhome and campervan travelers","market":"FI","prompts":[{"id":"e17494a8-6d3e-444c-83d8-17d827467c03","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"e17494a8-6d3e-444c-83d8-17d827467c03:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"e17494a8-6d3e-444c-83d8-17d827467c03:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"e17494a8-6d3e-444c-83d8-17d827467c03:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"e17494a8-6d3e-444c-83d8-17d827467c03:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"e17494a8-6d3e-444c-83d8-17d827467c03:claude"}],"prompt_text":"Mistä saa kattavan kaskovakuutuksen matkailuautolle, joka korvaa myös asuintilan kiinteät varusteet?","prompt_type":"direct","share_of_voice":0,"companies_named":7,"visibility_rate":0,"consensus_answer":null,"consensus_claims":[],"completed_answers":5,"owned_citation_rate":0},{"id":"ed33516d-72d1-444b-a138-51230623f93f","leader":{"canonical_name":"If","apex_domain":"if.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:claude"}],"prompt_text":"Mitä vakuutuksia asuntoautoon tarvitaan ja mitä matkailuauton kasko yleensä korvaa?","prompt_type":"discovery","share_of_voice":0,"companies_named":4,"visibility_rate":0,"consensus_answer":"Asuntoautoon vaaditaan lakisääteinen liikennevakuutus, joka korvaa henkilövahingot ja vastapuolen omaisuusvahingot mutta ei oman auton vaurioita. Vapaaehtoinen osakasko korvaa yleensä palot, varkaudet, ilkivallan, eläintörmäykset sekä hinauksen. Laajempi täyskasko kattaa lisäksi kolarit, tieltä suistumiset ja omat ajovirheet.","consensus_claims":[{"text":"Asuntoautoon vaaditaan lakisääteinen liikennevakuutus, joka korvaa henkilövahingot ja vastapuolen omaisuusvahingot mutta ei oman auton vaurioita.","sources":[{"engine":"chatgpt","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:chatgpt"},{"engine":"google_ai_overviews","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:google_ai_overviews"},{"engine":"gemini","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:gemini"},{"engine":"claude","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:claude"}]},{"text":"Vapaaehtoinen osakasko korvaa yleensä palot, varkaudet, ilkivallan, eläintörmäykset sekä hinauksen.","sources":[{"engine":"chatgpt","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:chatgpt"},{"engine":"google_ai_mode","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:google_ai_mode"},{"engine":"gemini","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:gemini"}]},{"text":"Laajempi täyskasko kattaa lisäksi kolarit, tieltä suistumiset ja omat ajovirheet.","sources":[{"engine":"chatgpt","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:chatgpt"},{"engine":"google_ai_overviews","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:google_ai_overviews"},{"engine":"claude","evidence_ref":"ed33516d-72d1-444b-a138-51230623f93f:claude"}]}],"completed_answers":5,"owned_citation_rate":0},{"id":"51f54406-cb1b-481b-9703-259b3c0ea19f","leader":{"canonical_name":"Fennia","apex_domain":"fennia.fi","is_self":false},"engines":["chatgpt","google_ai_overviews","google_ai_mode","gemini","perplexity","copilot","claude"],"outcomes":[{"rank":null,"engine":"chatgpt","status":"absent","evidence_ref":"51f54406-cb1b-481b-9703-259b3c0ea19f:chatgpt"},{"rank":null,"engine":"google_ai_overviews","status":"absent","evidence_ref":"51f54406-cb1b-481b-9703-259b3c0ea19f:google_ai_overviews"},{"rank":null,"engine":"google_ai_mode","status":"absent","evidence_ref":"51f54406-cb1b-481b-9703-259b3c0ea19f:google_ai_mode"},{"rank":null,"engine":"gemini","status":"absent","evidence_ref":"51f54406-cb1b-481b-9703-259b3c0ea19f:gemini"},{"rank":null,"engine":"perplexity","status":"failed","evidence_ref":null},{"rank":null,"engine":"copilot","status":"failed","evidence_ref":null},{"rank":null,"engine":"claude","status":"absent","evidence_ref":"51f54406-cb1b-481b-9703-259b3c0ea19f:claude"}],"prompt_text":"Mikä vakuutusyhtiö tarjoaa parhaan kaskon matkailuautolle, joka seisoo talvet poissa liikennekäytöstä?","prompt_type":"recommendation","share_of_voice":0,"companies_named":7,"visibility_rate":0,"consensus_answer":"Liikennekäytöstäpoiston aikana kolarointiturvan laskutus katkeaa, mutta palo-, varkaus- ja ilkivaltaturvat säilyvät yleensä voimassa. Esimerkiksi If, POP Vakuutus ja Fennia hyvittävät törmäysturvan maksuja seisonnan ajalta, jolloin maksettavaksi jää vain osakaskon osuus. 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