Compare up to four insurance quotes side by side to find the best value policy. Enter premiums, excess and key cover amounts to see total cost, cost per pound of cover and which quote offers best overall value.
Enter up to 4 quotes to compare:
| Insurer | Annual Premium | Excess | Cover Amount | Cost per £1k Cover | Rank |
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The cheapest insurance quote is not always the best value. Three factors beyond the premium determine true value: the excess (higher excess = lower premium but more out of pocket per claim), the cover amount (a cheaper policy covering less is not a bargain), and policy exclusions (what the policy specifically does not cover). Always compare policies on a like-for-like basis.
Every insurance policy excludes certain causes or circumstances. Common exclusions: pre-existing conditions (health/life), wear and tear (home/contents), business use (personal car insurance), unoccupied property over 30 days (home insurance), high-value items above the single-article limit (contents). Always read the policy exclusions document, not just the summary.
A policy with £150 premium and £500 excess versus £200 premium with £150 excess: the cheaper premium saves £50/year but costs £350 more per claim. If you claim once in 7 years, the higher excess policy is still cheaper overall. If you claim once in 3 years, the lower excess policy is better. Calculate based on your expected claim frequency.
Compare on identical terms: same cover amount, same cover type, same exclusions. Use the total effective cost = annual premium + (excess × expected claim frequency). Request a policy document from each quote, not just a summary. Check the insurer's Financial Ombudsman and Trustpilot reviews for claims handling. A marginally cheaper premium from an insurer with poor claims handling may cost far more when you actually need to make a claim.