Car insurance calculators
Free UK car insurance calculators to help you weigh up a higher or lower voluntary excess, compare comprehensive against third party, fire and theft, and see what your no-claims discount could really be worth.
Voluntary Excess Calculator
See whether a higher voluntary excess is likely to save you money over time, and find the break-even point.
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Comprehensive vs Third Party Calculator
Compare the total cost of comprehensive and TPFT cover over time, factoring in your vehicle's value and depreciation.
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No-Claims Discount Value Calculator
Estimate what your no-claims discount is worth and whether paying for NCD protection makes financial sense.
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Key concepts for car insurance decisions
Voluntary excess trade-off
A higher voluntary excess lowers your annual premium but increases what you pay out-of-pocket if you claim. The right balance depends on how often you are likely to claim and whether you could comfortably pay the excess from savings.
Read the guide →Comprehensive vs TPFT
The right choice depends on your vehicle's value, how quickly it is depreciating, whether you could replace it from savings, and the premium difference between the two options. Comprehensive isn't always significantly more expensive.
Read the guide →No-claims discount
Your NCD is one of the biggest factors in your premium. Protecting it costs extra, but preserving a high NCD can be worth it depending on the premium saving — our calculator helps you compare.
Read the guide →Insurance Premium Tax
Standard car insurance is subject to IPT at 12%. Motor insurance arranged through a car dealer may be subject to the higher 20% rate. Use the IPT calculator if you want to understand the tax element of your premium.
IPT calculator →Related tools
Frequently asked questions
Voluntary excess is an additional amount you choose to pay on top of your compulsory excess in exchange for a lower annual premium. Both apply when you make a claim.
Comprehensive covers damage to your own vehicle as well as third-party claims. Third party, fire and theft (TPFT) covers third-party claims and your own vehicle if stolen or damaged by fire, but not other damage to your own vehicle.
A no-claims discount (NCD) is a reduction in your premium for each year you drive without making a fault claim. It can significantly reduce your annual premium after several years.
Standard car insurance is subject to IPT at the standard rate of 12%. This is included in your premium. Motor insurance arranged by a car dealer may attract the higher 20% rate.