Insurance Claims Calculator
Insurance Claims Calculator
Insurance was built to protect you—yet for everyday repairs, using it can cost you more in the long run. We uncover this hidden paradox and give drivers a clear, simple way to decide when filing a claim truly makes financial sense. Should you claim every time just because you have a policy? What does it really do to your premium and no-claim discount? Find out before it costs you more than the repair itself.
| Driver Type | Breakeven Point | 3-Year NCD Impact | Recommendation |
|---|---|---|---|
| New Driver (2 yrs) | £1,951 | £1,701 | Pay Yourself |
| Your Situation | £0 | £0 | - |
| Senior Driver (9+ yrs) | £650 | £400 | File Claim |
This calculator provides estimates based on typical UK insurance practices. The Financial Conduct Authority (FCA) requires insurers to treat customers fairly. Always consult with your insurance provider for accurate, personalised advice. You have the right to complain to the Financial Ombudsman Service if you're unhappy with your insurer's response.
Important: This tool does not save or store any personal data. All calculations are performed locally in your browser for this one-time analysis only.