Car Insurance Estimator

📖 Introduction

Enter the new car price, number of seats, car age, no-claim discount and third-party cover limit, and you get a rough figure for a year of cover, broken down into compulsory insurance, own damage, theft, passenger, glass and third-party components. It gives you a reference point before renewal, so you can tell whether a quote is in the right ballpark.

Anyone approaching renewal who wants to know roughly what it will cost. First-time car buyers trying to understand the difference between compulsory and commercial cover. And anyone holding a quote who wants to check whether the breakdown makes sense.

Anyone approaching renewal who wants to know roughly what it will cost. First-time car buyers trying to understand the difference between compulsory and commercial cover. And anyone holding a quote who wants to check whether the breakdown makes sense.

• How far off is it from a real quote? Insurers apply their own pricing factors, so the gap can exceed twenty percent. Treat this as a reference.
• Which no-claim discount should I pick? The longer you go without claiming, the lower the factor. Use last year's actual situation.
• How much third-party cover? Two hundred thousand or more is sensible in big cities or areas with expensive cars.
• Should I enter a deductible? It lowers the premium, but you pay that portion yourself when you claim.

Compulsory cover uses a flat base that depends only on seating capacity, which is why it barely moves when you change the car price. The commercial portion is the part that reacts: own damage and theft are both scaled off the depreciated value of the car, while passenger and glass cover are closer to fixed amounts. Third-party pricing rises with the limit you choose, though not in a straight line, since higher tiers usually cost proportionally less per unit of cover. The no-claim factor is applied to the commercial subtotal as a whole, so it is the single largest lever on the final figure for most drivers.

✨ Features

• Itemised breakdown: compulsory cover, own damage, theft, passenger, glass and third party listed separately.
• Depreciation: the insured value drops nine percent per year, with a floor of twenty percent of the original price.
• No-claim discount: five factors from 1.0 down to 0.5, applied directly to the commercial portion.
• Third-party limit: four tiers from 500 thousand to 3 million. Higher limits cost more.
• Deductible: entering an absolute deductible shaves the premium further, up to thirty percent.
• Monthly view: the annual premium divided by twelve, handy for a household budget.

🚀 How to Use

1. Enter the new car price, in units of ten thousand.
2. Choose the number of seats and the car age. Commercial cover is based on the depreciated value.
3. Pick last year's no-claim factor. The longer you go without a claim, the lower it gets.
4. Tick the add-on covers you want and choose a third-party limit.
5. Click Estimate. The annual total and the breakdown appear on the right.

⚠️ Notes

• Not a quoteThis is a rough estimate, not a quote. The real premium depends on the insurer's own pricing factors.
• Base rate onlyCompulsory cover uses a flat base of 950 for up to six seats and 1100 above that, without the usual浮动.
• No regional factorRegional rate adjustments, channel rebates and promotional discounts are not included.
• Official terms governFor actual cover and claims, rely on the insurer's formal quote and policy wording.
• Gap vs real quoteInsurers apply their own pricing factors, so the gap can exceed twenty percent. Treat this as a reference.