Free Insurance Tools
Simple, free calculators to help you make better insurance decisions. No signup, no quote required — every figure is illustrative and based only on what you enter.
Sum insured
Contents Cover Calculator
Add up the replacement value of your belongings, room by room, and get a tidy sum-insured figure so you are neither under- nor over-insured.
ExcessInsurance Excess Explainer & "Should I Claim?"
Understand compulsory vs voluntary excess, then check whether claiming actually leaves you better off once future premiums are counted.
LikelihoodClaim-Likelihood Estimator
An illustrative model showing how an annual chance maps to "1 in N years" and a cumulative probability over time, with real cited context.