Israeli Insurance Comparator
Verified99/100Compare car insurance (mandatory hova, comprehensive makif, third-party), home insurance, and health supplementary insurance across 20+ Israeli insurers using official government calculators and private comparison platforms. Use when a user needs to find the cheapest insurance quote, understand policy differences, or prepare for annual renewal negotiations. Guides through CMA calculator at car.cma.gov.il, Hova.co.il, Shukabit, Wobi, and Bestie. Do NOT use for life insurance, pension fund selection, or travel insurance comparisons.
Trust score 99/100 (Verified) · 290+ installs · 3 GitHub contributors · MIT license
The Israeli insurance market is complex, with multiple product types — compulsory car insurance (hova), comprehensive (makif), third-party (tzad gimel), home insurance, and supplementary health insurance — each offered by dozens of insurers with different pricing structures and policy terms. Manually comparing across 20+ providers requires significant time and expertise, and consumers often overpay due to lack of transparency. This skill aggregates data from the CMA calculator, Hova.co.il, Shukabit, and Wobi to enable fast, informed comparisons.
skills-ilHow to use this skill
Not sure how? Read the guide- 1. Click "Download ZIP" to download the skill files.
- 2. Open Claude Desktop and go to Customize > Skills.
- 3. Click "+" and select "Upload a skill", then upload the ZIP file.
- 4. Start a new conversation. The skill will activate automatically when relevant.
Developers? Install via command line (CLI)
npx skills-il add skills-il/tax-and-finance@v1.2.1-israeli-insurance-comparator --skill israeli-insurance-comparator -a claude-codeWhen to Apply
- Renewing car insurance (hova, makif, or tzad gimel) and comparing quotes across providers
- Evaluating whether to switch supplementary health insurance plans (Clalit Mushlam, Maccabi Zahav, Meuhedet Adif)
- Comparing home insurance costs including structure and contents before signing a mortgage
- Analyzing coverage gaps between existing policies to identify overlaps or missing protections
- Calculating total annual insurance spend for a household and finding savings opportunities
Try These Prompts
Compare compulsory car insurance (hova) for a 2022 private vehicle, driver age 35 with no claims in the past 3 years. Show the 5 cheapest quotes including insurer name, annual price, and discount breakdown.
Compare supplementary health insurance plans from Clalit, Maccabi, Meuhedet, and Leumit — second and third tier. Focus on coverage for private surgeries, medications not in the health basket, and complementary medicine.
I am taking a mortgage on a 2M NIS apartment in Tel Aviv. Compare structure and contents insurance across 5 leading providers, including earthquake and plumbing damage coverage.
I have comprehensive car insurance, home insurance, and third-tier supplementary health insurance. Check for coverage overlaps (e.g., personal accidents, travel abroad) and recommend where I can save.
Frequently Asked Questions
Changelog
Updated the Phoenix-Wobi deal status (Competition Authority cleared it May 2026, CMA sign-off still pending) and accuracy fixes: the CMA calculator is available around the clock, and the annual vehicle-licensing fee is separate from the insurance premium.
Jul 15, 2026
Substantive accuracy fixes: corrected the inverted Maccabi tiers (Zahav=basic, Sheli=premium), removed the false claim that VAT is included in insurance premiums, reframed the Bituach Siudi crisis dates (a proposed directive that was not enforced and slipped to 2026-2027), fixed earthquake coverage (opt-out-by-law, not via a central pool or since 2013), clarified that mandatory hova is tariff-priced, and added core SHABAN facts (regulated uniform pricing, no underwriting).
May 31, 2026
Added Step 0 "Inventory Existing Policies via Har HaBituach" (harb.cma.gov.il). Added Bituach Siudi crisis section (kupot ordered to stop selling July 1 2025; cease all operations Jan 1 2026; CMA tightened patient definition to 4-of-6 ADLs). Added Iron Swords coverage considerations (reservist policies, travel-insurance war exclusions, life/disability terror clauses). Fixed HE typo "רוכשביטוח" → "רוכש ביטוח".
Apr 29, 2026
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