This resource is the empty skeleton of the decision-support comparison table: rows that any building can fill in for any set of three quotes. The methodology behind the table is in the criteria-table article and the decision article – here the structure is the point: copy it, fill it in, take it to the general meeting.
- The template's six blocks: basic data, scope of cover, sums and limits, deductibles, service, premium – in that order.
- Golden rule: the premium row comes last – content first.
- If the building runs the tender with me, you get the filled-in table ready-made – this template is for checking things on your own.
The skeleton of the table
| Criterion | Quote 1 | Quote 2 | Quote 3 |
|---|---|---|---|
| Sum insured (at rebuild value) | |||
| Renewal date / start of the insurer's cover | |||
| Natural perils (how far the list goes) | |||
| Water damage from pipes (with tracing and access work?) | |||
| Glass breakage (scope + limit) | |||
| Building liability (limit!) | |||
| Burglary and criminal damage, vandalism | |||
| Add-ons (lift, solar panels, other) | |||
| Deductibles (cover by cover) | |||
| Main exclusions, policy terms | |||
| Claim reporting, service | |||
| Annual premium (payment schedule) |
Tip: mark the critical differences (with a ★ or a colour, say) – at the general meeting the discussion will be built around them.
Advice on filling it in
The sum-insured row is only comparable if every quote is written on the same value – if it isn't, have the quotes brought onto a common basis first (sizing). In the cover rows don't write “yes/no”, write substance: the limit, the condition – the word “yes” hides something different in every quote. In the deductible row it is worth thinking in forints as well, applied to a typical claim (how deductibles work). And the questions worth putting to whoever brings the quote: 5 questions.
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