Insurance Calculators

How much cover is enough, and what that cover is likely to cost, sit behind every insurance decision. Insurance calculators answer both sides, sizing life cover and income protection against a household's commitments and estimating premiums for cars, homes, pets, travel and business liability, which makes it easier to judge a quote or to spot where a policy leaves a gap.

The Life Insurance Needs Calculator works out how much cover a family needs once income, mortgage, debts and family costs are counted, and the Income Protection Calculator does the same for a salary before estimating premiums by age and deferral period. Cover for serious illness is priced by the Critical Illness Cover Calculator on age, amount, term and smoker status, the Home Insurance Estimate Calculator separates buildings, contents and combined cover by property type, and the Employers' Liability Insurance Calculator estimates the premium a business faces from its industry and wage bill.