Ten free, interactive calculators and checklists to help you estimate life insurance cover, home buildings and contents sum insured, how car insurance excess affects a claim payout, an income protection benefit amount, the Insurance Premium Tax included in a quoted premium, a GAP insurance shortfall, the cash value of your no claims bonus discount, whether an annual or single-trip travel policy works out cheaper, whether a valuable item may exceed a standard single article limit, and which types of business insurance are commonly relevant to businesses like yours. All calculations happen in your browser and nothing you enter is stored or sent anywhere.
Estimate a cover amount using both the income multiplier and needs-based methods.
Estimate a starting figure for buildings rebuild cost and contents sum insured.
See how compulsory and voluntary excess affect what you'd actually receive on a claim.
Estimate a monthly benefit amount based on a replacement percentage of your gross income.
See how much Insurance Premium Tax is included in a quoted premium.
See the illustrative gap between what you'd want covered and an estimated market value if your car were written off.
See the cash value of your no claims discount, and model a what-if scenario using your own figures.
Compare the total cost of single-trip policies against an annual multi-trip policy, using your own figures.
Check whether an item's value is likely to exceed a standard contents policy's single article limit.
Answer a few questions about your business to see general information about cover types commonly considered by similar businesses.
Yes, all calculators on this page are free to use and do not require any personal details, an account, or a quote request.
No, these are educational estimating tools only. They provide a starting point for your own planning and research, not a binding quote or financial advice from an insurer or adviser.
The calculator applies two commonly used estimation methods, the income multiplier and needs-based approaches, based on the figures you enter. Accuracy depends entirely on the accuracy of your own inputs and individual circumstances not captured by a simplified calculation.
Buildings insurance should be based on rebuild cost, which reflects the cost of rebuilding your home from scratch, not its market sale value. These two figures are often very different.
It applies a replacement percentage, typically 50 to 65 percent, to your gross annual income to estimate a monthly benefit, then optionally offsets any existing sick pay or benefits you enter. Actual available cover depends on insurer underwriting, occupation and health, not just income.
It treats your quoted premium as already including Insurance Premium Tax, then works backwards using the standard 12% or higher 20% rate to show the underlying premium and the tax amount separately, based on the current rates verified in our Insurance Premium Tax guide.
It subtracts an estimated market value from the amount you'd want covered if your car were written off, such as the purchase price or outstanding finance settlement, to show an illustrative shortfall. It is not a valuation or a quote, and actual insurer settlement methodology varies by provider.
No. It uses only the premium and discount percentage you enter, which you can find on your renewal documents, because no claims bonus scales vary significantly between insurers and ShopTera does not assume any particular provider's scale.
It multiplies the number of trips you enter by your typical single-trip policy cost, then compares that total against an annual multi-trip premium you enter, showing which option works out cheaper based on your own figures.
If no limit is entered, it uses £1,500 as a reference point, the single article limit used in the worked case study in our Jewellery and Valuables Insurance guide. This is an illustrative example only, not a typical or universal limit, and actual limits vary by insurer and policy.
No. It provides general information about insurance types commonly considered by businesses with similar characteristics to those you select, and clearly distinguishes any legal requirement from commonly considered options. It does not name or recommend any specific insurer or policy, and is not a substitute for professional advice.
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