Formula used
Annual-payment total = annual premium + fees + taxes + add-ons − discountsInstalment total = deposit + monthly payment × payments + fees + taxes + add-ons + interest − discountsTotal excess = voluntary excess + compulsory excessPercentage above cheapest = (quote total − cheapest total) ÷ cheapest total × 100How to use this tool
- Add at least two insurance quotes.
- Enter premiums, fees, discounts, and excess amounts.
- Mark each benefit as included, optional, excluded, or unknown.
- Select cover that every acceptable policy must include.
- Adjust weights to match your priorities.
- Submit the form and review every warning.
- Export results for later policy checking.
Example comparison
| Provider | Annual premium | Fees | Total excess | Included benefits |
|---|---|---|---|---|
| Northway Motor | £720.00 | £35.00 | £450.00 | 13 |
| CityDrive Cover | £685.00 | £80.00 | £600.00 | 11 |
| Harbour Auto | £760.00 | £20.00 | £350.00 | 15 |
Understanding the comparison
Premium price alone cannot show a policy’s real value. Excess amounts can change your claim costs significantly. Exclusions may remove benefits you expected to receive.
Monthly instalments often include interest or arrangement charges. Compare their full total with annual payment pricing. Check whether quoted monthly figures already include every fee.
The value score reflects only your entered information. It cannot measure service quality or claim handling. Always confirm wording directly inside the insurer’s policy documents.
Frequently asked questions
What is the comparison total?
It uses the payment method selected for each quote. Annual and monthly totals are calculated separately. The selected figure controls ranking and price scoring.
Why can monthly cover cost more?
Insurers may charge interest or instalment arrangement fees. A deposit can also change the payment schedule. Compare the full instalment total before choosing monthly payments.
What does total excess mean?
Total excess combines voluntary and compulsory excess amounts. It estimates your contribution toward an eligible claim. Some claim types may use different excess rules.
How is the value score calculated?
The score combines six normalised comparison categories. Your weights control each category’s influence. Missing must-have cover also reduces the calculated score.
Should the highest score always win?
No score can replace careful policy reading. Important exclusions may not fit simple comparison fields. Choose cover that matches your actual risks and needs.
What does optional coverage mean?
Optional coverage normally requires another payment or selection. Its cost may already appear within add-ons. Confirm every optional item before comparing final totals.
Why mark coverage as unknown?
Unknown prevents assumptions when quote wording remains unclear. It highlights information requiring confirmation from the provider. Do not treat unknown cover as automatically included.
Does local auto-save send information anywhere?
The script stores form values inside your browser. It does not include a server database. Clearing browser storage can remove saved comparison information.
Can this tool guarantee claim acceptance?
No calculator can guarantee an insurer’s claim decision. Acceptance depends on policy wording and disclosed facts. Contact the insurer when any condition remains uncertain.
How many quotes can I compare?
The page supports two through six quote cards. Duplicate a similar quote to reduce repeated entry. Remove unused cards before submitting your final comparison.
Important disclaimer
This calculator provides an organisational comparison only. It does not provide insurance or financial advice. Calculations depend entirely on the values you enter.
Policy wording, eligibility, exclusions, and claim rules may differ. Confirm all details with each authorised insurance provider. Keep copies of quotations and final policy schedules.