Free UK insurance calculators
Estimate cover needs, compare insurance trade-offs, and understand your options before you buy.
No account, no sales calls, and no medical details — just clear estimates you can actually use.
Pick a type of insurance
See the calculators and guides for it:
Car insurance
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.
Life & protection
Estimate how much life cover your family might need, work out an income shortfall if you couldn't work, and size up mortgage protection.
Home insurance
Estimate your contents value, get a rough rebuild cost (which isn't the same as market value), and check whether you might be underinsured.
Pet insurance
Understand what drives the cost of cover and compare lifetime, maximum benefit, time-limited and accident-only policies in plain English.
Business insurance
Size up business interruption cover, think through public and employers' liability limits, and gauge what a cyber incident could cost.
Travel insurance
Estimate cover for a trip, compare single-trip against annual multi-trip, and work out how much cancellation cover you need.
Most popular calculators
The tools people reach for most often.
Life Insurance Needs Calculator
Estimate a sensible level of cover based on your income, mortgage, debts and family.
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Car Voluntary Excess Calculator
See whether a higher excess is likely to save you money over time.
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Home Contents Calculator
Build up a room-by-room estimate of what your contents are worth to replace.
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Pet Insurance Cost Estimator
Understand the factors that move the price and get an illustrative monthly range.
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Business Interruption Calculator
Estimate how much cover and how long a period your business might need.
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Travel Insurance Cost Estimator
See what drives the price of cover for your trip.
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New tools
Cross-cutting tools that apply across categories.
Insurance Premium Tax Calculator
Add or extract IPT at the standard (12%) or higher (20%) UK rate — with a policy-type guide.
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Monthly vs Annual Premium Calculator
See how much extra paying monthly costs and what the implied APR works out to.
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Life Insurance in Trust Estimator
Understand how writing a life policy in trust could help avoid Inheritance Tax on the payout.
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Built to be useful, not to sell you something
These calculators give you a useful starting point. They're not quotes, and they're not a substitute for advice from your insurer, broker or a qualified adviser.
General information, clearly explained.
Every calculator shows its method and assumptions, so you can see exactly how the result was worked out.
Transparent assumptions.
Where we have to make an assumption, we tell you what it is — and you can adjust it.
No account needed.
Use any calculator straight away. We don't ask you to register or hand over your contact details.
No medical or sensitive details.
Our tools never ask for medical history or personal information you shouldn't be typing into a website.
How our calculators work
We keep the maths transparent. Each tool explains the formula it uses, the assumptions behind it, and what the result does — and doesn't — tell you.
Read our methodologyInsurance, explained simply
Short, practical guides on the things people find confusing — how excess works, why rebuild cost isn't market value, what underinsurance really means, and how to compare policies without the jargon.
Browse the guides