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UK Insurance Calculators

Last reviewed: July 2026 • Independent UK Insurance Resource

Three free, interactive calculators to help you estimate life insurance cover, home buildings and contents sum insured, and how car insurance excess affects a claim payout. All calculations happen in your browser and nothing you enter is stored or sent anywhere.

Life Insurance Cover Calculator

Estimate a cover amount using both the income multiplier and needs-based methods.

Income Multiplier Method
Needs-Based Method

Home Sum Insured Calculator

Estimate a starting figure for buildings rebuild cost and contents sum insured.

Buildings Rebuild Cost
Contents Sum Insured

Car Insurance Excess Impact Calculator

See how compulsory and voluntary excess affect what you'd actually receive on a claim.

Claim Details
Important: These calculators provide educational estimates only, based on the figures you enter and simplified, commonly used calculation methods. They do not constitute financial advice, a quote, or a guarantee of any insurer's terms. Always check individual policy documents and consider speaking with a regulated financial adviser for personal recommendations.

Frequently Asked Questions

Are these insurance calculators free to use?

Yes, all calculators on this page are free to use and do not require any personal details, an account, or a quote request.

Do these calculators provide an actual insurance quote?

No, these are educational estimating tools only. They provide a starting point for your own planning and research, not a binding quote or financial advice from an insurer or adviser.

How accurate is the life insurance cover calculator?

The calculator applies two commonly used estimation methods, the income multiplier and needs-based approaches, based on the figures you enter. Accuracy depends entirely on the accuracy of your own inputs and individual circumstances not captured by a simplified calculation.

Should I use the buildings rebuild cost or market value for home insurance?

Buildings insurance should be based on rebuild cost, which reflects the cost of rebuilding your home from scratch, not its market sale value. These two figures are often very different.

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