Example 1 — 1600cc / driver 30 / region 1.0
- Capacity: 1600
- Driver age: 30
- Region: 1.0
Premium 2,320
No age surcharge.
Motor insurance — third-party / comprehensive estimate
Estimate an illustrative premium from engine capacity, driver age and area factor — framed as third-party/comprehensive style, not a quote.
Model: base = 400 + capacity×1.2 + driver-age surcharge (<26: +300, >65: +150), then × region. Not an insurer quote. Currency from the header.
Result
Enter data and click Calculate.
How results are calculated
Base = 400 + capacity×1.2 + (driver age <26 → 300; >65 → 150; else 0).
Premium = base × region (0.9 / 1.0 / 1.2).
The age field is driver age (not model year).
How to use the calculator
- Enter engine capacity in cc.
- Enter driver age (not model year).
- Pick a region factor.
- Treat the result as orientation, not a quote.
Usage examples
Example 2 — 2000cc / driver 22 / 1.2
- Capacity: 2000
- Driver age: 22
- Region: 1.2
Premium 3,720
Young driver + higher region.
Example 3 — 1400cc / driver 70 / 0.9
- Capacity: 1400
- Driver age: 70
- Region: 0.9
Premium 2,007
Senior + lower region.
FAQ
What does this model estimate?
An illustrative premium: base = 400 + capacity×1.2 + driver-age surcharge, then × region factor.
Is “age” the vehicle age?
No — it is driver age. Surcharge: under 26 (+300), over 65 (+150), otherwise 0.
How does region work?
A 0.9 / 1.0 / 1.2 multiplier on the base — a simplified area factor.
Is this a third-party / comprehensive quote?
No. EN frames it as a third-party/comprehensive-style estimate; the model is capacity + driver age + area — not an insurer quote.
Which factors drive the result?
Engine capacity, young/senior driver surcharge, and the region multiplier.
Is the result currency-formatted?
Yes — via Format.currency when available.
What is out of scope?
Claims history, no-claims discounts, brand, mileage and assistance packs.
When should I not rely only on this?
When buying cover — compare real insurer quotes.