In recent years, both Rastreator as Success, have positioned themselves as leaders in the insurance sales sector. They are the comparators reference. That said, let's take a look at how they have achieved this and what value they bring to an insurance policy we take out with them.
How does Acierto or Rastreator help me?
Both companies, both websites, are comparators. This means that they have very thorough comparison of prices and basic warranties. They do this through very intuitive and easily accessible websites.
They have insurance consultants to help you in this comparison process, advising you on cover and prices between one company and another.
What is certain is that its customer service in this whole process is very good and the telephone service is excellent, although sometimes the waits are longer than desired, when you are passed from one operator to another.
Are these comparators like an insurance brokerage?
The fact is that these two companies operate under the framework of an insurance “Brokerage” or “Mediator”, as shown in the sections of “Legal Notice”.” of their websites:
- Acierto.comExternal collaborator of the insurance brokerage company ASESOR SEGUROS ONLINE, S.L.
- Rastreator.comRastreator Comparador Correduría de Seguros SLU: is the trademark of its own brokerage “Rastreator Comparador Correduría de Seguros SLU”.
However, the services they provide are not identified with those of a brokerage firm.. As we have been able to verify by calling both of them, they make it very clear:
They only assist in the purchase of insurance. Then the insured deals directly with the insurer. This is the main difference compared to an insurance broker.
Right or Rastreator?
Here are some facts about them:
Acierto.com was founded in 2007 as the first insurance comparator in Spain. It defines itself as the independent insurance comparator with more insurers.
Rastreator is an insurance comparator that defines itself as a market leader with more than 45 products and services, more than 11 million unique users and more than 17 million price requests.
Here are some other facts about them that may help you to choose one insurance comparator over another:
ACIERTO.COM
Their customer service seemed a little better, although it took them 3 minutes to put us through to an operator; however, when we asked about after-sales service we were told these phrases:
- “We are only mediators”.”
- “Once the policy is taken out, any problems are already with the company”.”
- “We don't do anything anymore”.”
RASTREATOR
They were even clearer about their role:
- “We are simply a comparator”.”
- “When you issue insurance, who you contact is the company”.”
- By mail, we were told: “Rastreator.com is an online comparator and does not intervene as a mediator in the insurance policy, so in the event of any claim, modification of the policy or for the contract itself you have to contact the insurance company you are interested in”.”. This is clearly described in his “Legal Notice”.” on the website, in the “role we play” section.
Is it better to take out my insurance with them or with a broker?
Brokerage, Acierto or Rastreator? To answer this question, it is best for each person to analyse their pros and cons. We are clear about what our added value is in the policies, when they are subscribed with us:
- Similar consultancy when buying insurance: telephone and digital availability (without a web comparator as good as Rastreator or Acierto).
- Prices with commercial discounts, probably even better in health insurance.
- Full after-sales service once policies are taken out with us:
- It reviews the renewals insurance companies, in order to avoid abusive price increases by insurers.
- Help in the claims managementOur specialised staff will help you to avoid having to contact the insurance company directly.
- For any consultation about your insurance, we are at your full disposal, we do not forget about it once the policy has been taken out.
- We offer you an app and an online portal from which to manage your insurance and control maturities and prices (full transparency)
In addition, a large part of the staff of these two companies are computer programmers and marketing personnel. In other words, their priority is clear: mass recruitment with no need for after-sales service.
Ours is also clear: to give a helpful customer service to make them loyal to us when they see our value in the event of a claim and when renewing their policies.
[gem_table]
| Proactive Renewal Review | Claims management | After-sales service without company referral | |
|---|---|---|---|
| PIB Group Iberia | YES are reviewed | YES help is available | YES, for both consultations and claims |
|
NOT reviewed | NO aid is given | NO, you are then referred to the insurance company. |
 |
NO | NO | NO, you are then referred to the company |
[/gem_table]
Insurers' pricing policies are constantly changing. Therefore, it cannot be left to chance that policy renewals are moderate in their increases. We are vigilant in order to avoid mistreatment by the companies.
This is part of our complete after-sales service. And the fact is that
An insurance provider should not only focus on the sales process, but also on assisting with any formalities that may arise once it is in force.
Conclusions on Acierto and Rastreator
The truth is that these companies have grown considerably. This is a reflection of customers' desire to have full information at the time of contracting, being able to choose from multiple options at once.
In this sense, do a very interesting job of comparing options.
However, the work of the insurance comparator is limited to that. As they define themselves, they are a comparator. After taking out the policy, you will need to speak to the insurer. They, in that sense, are mere commission agents for the policies.
At PIB Group Iberia We also take commissions from the companies, but our role is not only to compare multiple options for the customer, but also to give a after-sales support. We know that problems can occur in day-to-day insurance business. We help our policyholders to:
- that their claims are covered
- policies are reviewed: inserting improvements into policies to try to prevent their insurance from becoming out of date
- improve their renovations
If you want us to look at your policies and manage them from our app or web portal so that you can see how much you are paying and when they expire, we are at your disposal. We can help you with any queries or incidents you may have. Enjoy the benefits of online service and offline added value..
