Estimate what you should pay for car, home, life and travel insurance. Know what cover you need before you compare quotes.
Each tool gives you an estimated cost or recommended cover level — then links you to compare real quotes.
Estimate your annual premium based on age, vehicle, mileage and no-claims discount. See the real cost of paying monthly vs annually and get an IPT breakdown.
Calculate car insurance →Work out the correct rebuild cost for buildings insurance and replacement value for contents. See how your excess choice affects your premium.
Calculate home insurance →Calculate the cover amount you actually need using the income multiple method and the DIME method. Get a recommended term length and estimated monthly cost.
Calculate life cover →Estimate your premium, see whether single-trip or annual multi-trip cover is better value for you, and check if your medical cover is adequate.
Calculate travel insurance →What each type covers and what you are legally required to hold.
Third party only is the legal minimum to drive on UK roads. Comprehensive cover typically costs less than third party fire and theft — a well-known quirk of insurer pricing. Telematics (black box) policies can significantly reduce premiums for young drivers.
Buildings insurance is required by most mortgage lenders. Contents insurance is optional but recommended. Buying both from the same insurer usually delivers a 10–15% multi-policy discount. The rebuild cost is almost always lower than the property market value.
Term life pays a lump sum if you die within the policy term. Level term keeps the payout fixed. Decreasing term reduces in line with your mortgage balance. Whole of life has no end date but costs significantly more. Most people with dependants need level term as a minimum.
Single-trip covers one journey. Annual multi-trip covers unlimited trips up to a maximum duration per trip (commonly 31 or 45 days). If you travel more than twice per year, annual cover is almost always cheaper. The GHIC card covers EU emergency treatment but is not a substitute for travel insurance.
Our calculators give you an informed starting point — comparison sites show you live prices from dozens of insurers. Use both together for the best result.
The average UK car insurance premium in 2026 is around £650–£900 per year for a standard driver. Young drivers under 25 typically pay £1,500–£3,000 or more. The main factors are age, vehicle type, annual mileage, years of no-claims discount and postcode. Use our car insurance calculator to get a personalised estimate.
Buildings insurance should cover the full rebuild cost of your home — not its market value. For an average 3-bedroom semi-detached UK property this is typically £150,000–£250,000. Contents insurance should cover the replacement cost of everything inside, commonly £30,000–£60,000 for a family home. Use our home insurance calculator for an accurate figure.
A widely used rule is 10 times your annual salary. The DIME method — Debt + Income replacement + Mortgage + Education costs — gives a more precise figure. A £250,000 level term policy over 25 years costs from around £10–£20 per month for a healthy non-smoker in their 30s. Our life insurance calculator calculates both methods for you.
For domestic UK holidays, travel insurance is optional but covers cancellation, medical emergencies and lost luggage. For European travel the GHIC card covers emergency treatment but does not cover cancellation, repatriation or lost baggage — so separate travel insurance is strongly recommended.
Insurance Premium Tax (IPT) is a UK government tax on general insurance premiums. The standard rate is 12% and applies to car, home and life insurance. Travel insurance attracts the higher 20% rate. IPT is already included in the premium quoted to you — it is not an extra charge on top.
Paying annually is almost always cheaper. Monthly payments typically carry an effective APR of 20–40% because insurers treat them as a credit arrangement. On a £700 annual premium, paying monthly could cost £800–£840 over the year. Our car insurance calculator shows you the exact difference.