Auto Insurance Premium Estimator

Get an indicative annual auto-insurance premium based on vehicle type, value, age, and coverage choices.

How Auto Insurance Premiums Work

Your annual auto-insurance premium is the sum of an own-damage component (which scales with the vehicle's insured value) and a third-party liability component (which is mostly regulated). On top of that, insurers price in driver-risk factors and any add-ons you choose, then subtract your No Claim Bonus.

Choosing the right coverage

Protecting your No Claim Bonus

NCB is a percentage discount on your own-damage premium that accumulates with each claim-free year, capping at 50%. Filing even one small claim resets it to zero. For dents and scratches costing less than 4-5x your NCB savings, it is almost always cheaper to repair out of pocket. You can also pay a small premium for a "NCB protection" add-on that lets you make one claim per year without losing the discount.

Frequently Asked Questions

Third-party only covers damage you cause to others. Comprehensive adds protection for your own vehicle against theft, fire, accident damage, and natural disasters, and costs 3-5x more.
On vehicles up to about 5 years old, yes. Zero-dep ensures you get full replacement cost rather than depreciated value. Premium increases roughly 15-20% but a single claim usually recovers more than that.
NCB is a discount on your own-damage premium for every claim-free year, starting at 20% after year one and rising to 50% after five consecutive claim-free years. One claim can reset it to zero.
Comprehensive premium scales with the insured declared value (IDV), which depreciates roughly 5% per year. Older vehicles have a lower IDV and therefore a lower premium.
Drivers under 25 are statistically far more likely to claim. Insurers apply surcharges of 20-50% for under-25s and a smaller surcharge for drivers with less than 3 years of experience.

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