Car Insurance Cost Planner
Use this planner to record the premium and policy details you receive from insurers. It does not calculate a real market price or predict what an insurer will offer.
How to use it
Enter the annual premium from an actual quote, then add any instalment charges, optional extras and the excess. Compare like-for-like cover, not headline price alone.
What affects a quote
Insurers may assess vehicle, driver, address, annual mileage, use, claims and convictions, security, cover level and excess. The weighting differs between providers.
Budget worksheet
Write down: annual premium; total payable if monthly; compulsory and voluntary excess; cover type; named drivers; permitted use; exclusions; renewal date. Re-check every answer for accuracy before buying.
Questions to ask before arranging cover
Is this a live quote calculator?
No. It is a comparison checklist and budget planner. It does not connect to insurers or provide a quote.
Can I lower a premium by changing details?
Never give inaccurate information. Ask insurers about legitimate options such as mileage, security or excess, and check the trade-offs.