About the Car Insurance Excess Comparison Tool
A lower premium often comes with a higher excess, and comparing quotes on premium alone can be misleading. This tool compares two options on both figures at once — showing which is cheaper if you never claim, and what each would actually cost you the moment you do.
How it works
The cheaper option with no claim is simply whichever has the lower annual premium. The total cost if you claim is premium + excess for each option, added separately so you can see the full out-of-pocket cost of an at-fault claim under each policy.
Assumptions and behaviour
- Assumes one claim in the year when showing the claim-cost figures — real claim likelihood varies by driver and circumstances.
- Compares premium and excess only — it doesn't weigh cover inclusions, exclusions, or claim limits, which can matter just as much.
- Both options should be for equivalent cover (comprehensive vs comprehensive) for the comparison to be meaningful.
Limitations
- Doesn't factor in what's actually covered — a cheaper policy with a lower excess can still have worse cover (e.g. lower payout caps, fewer inclusions).
- No-claim bonus impact on future premiums isn't modelled — claiming can raise your premium at renewal regardless of which option you pick.
Privacy
The calculation runs entirely in your browser. Nothing is uploaded or stored.
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